Oak Grove Chapter 7 and 13 Bankruptcy Lawyer

If you are having a hard time keeping up with your bills, don't be afraid to ask for help. Hardworking people throughout Missouri and across the country are facing financial hardship due to circumstances that they did not create. In many cases, filing for bankruptcy can provide the relief you need to get back on the right financial path.

Whether you need help regaining control of an unmanageable debt load or want to stop a foreclosure action, the Oak Grove Chapter 7 and 13 bankruptcy attorneys at Barton, Hall & Schnieders, P.C., are ready to help. We provide comprehensive consumer bankruptcy services to clients throughout Jackson County and the surrounding area.

Understanding Your Bankruptcy Options

In most cases, consumers file for bankruptcy under Chapter 7 or Chapter 13.

Chapter 7 bankruptcy can be a good option for people who are struggling with substantial amounts of unsecured debt such as credit cards or medical bills. Many people mistakenly believe that they will lose everything they own in a Chapter 7. While it is true that some property may be sold to repay creditors, most of it is protected under federal exemption laws.

Chapter 13 bankruptcy is also referred to as a "wage earner's plan." Under Chapter 13, you would make regular payments over a three- to five-year period according to a court-approved repayment plan, and your trustee would distribute the funds to your creditors. You do not need to worry about how much each creditor is paid. Your only responsibility is making the single payment to the trustee.

At the end of both of these processes, you will receive a discharge of your debts. After you receive your discharge, you will have no further responsibility for the debts that were included in your bankruptcy. Even if your creditors were not fully repaid, the debts are considered to be settled in the eyes of the law.

Talk To A Blue Springs Debt Relief Attorney

Contact our office today to discuss your debt relief needs with one of our Missouri bankruptcy lawyers. We offer a free initial consultation in all bankruptcy cases. You can reach us by phone at 816-690-4111 or via email to schedule an appointment.