File Chapter 7 Bankruptcy Clayton MO
Giving You a Fresh Financial Start
Clayton, Missouri Chapter 7 Bankruptcy Attorney
When you need a new financial start, a Chapter 7 bankruptcy could be your best debt relief option. My name is L. Barry Gubin and I help people like you eliminate unsecured debt. From my St. Louis office, I guide my clients through the bankruptcy process, from advising them on they type of bankruptcy to file and submitting all of the necessary paperwork to attending any related hearings and obtaining the certificate of discharge from the court.
For a detailed discussion about your debt relief options and whether a Chapter 7 bankruptcy is right for you, contact me to schedule a free initial meeting. With over 22 years of bankruptcy experience, I can help you navigate a personal bankruptcy filing.
Start Fresh & Stop the Calls
What to Expect From a Chapter 7
Bankruptcy in Clayton
A Chapter 7 bankruptcy is often referred to as a “fresh start” bankruptcy. It allows filers to eliminate unsecured debt and essentially start over with their finances. If you qualify, based on a Means Test, here is what you can expect:
- Creditor harassment will end immediately. When you file for bankruptcy, all phone calls, letters and lawsuits by creditors will end.
- Your unsecured debt will be eliminated. That means in most cases you will no longer have credit card payments, medical bills or any other debts not attached to existing assets.
- You will have options for your secured debt. For debt that is attached to assets – such as your home mortgage or car payments – you can determine whether to liquidate those assets to pay back your debts, continue on an existing payment plan or negotiate a new payment plan with your creditors.
When you come to my office, I will begin gathering your financial information to determine if you qualify for a Chapter 7 bankruptcy. If you do, I can manage every part of the process for you. If you do not, other options, such as a Chapter 13 bankruptcy, could be available to you.
Discuss Your Debt Relief Options With an Experienced Lawyer
If you have questions about the bankruptcy process, I can answer them. Contact my St. Louis, Missouri office at 314.432.7400 to schedule a free initial consultation.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.