Law Office of
L. Barry Gubin

The Bankruptcy Attorney for St. Louis

St. Louis Chapter 13 Bankruptcy Attorney

Free Up Your Finances

Helping You Solve
Your Debt Problems

When you have a steady income, but your debt has reached a point where you can no longer make your payments, a Chapter 13 bankruptcy could be your best option. My name is L. Barry Gubin. For over 22 years, I have helped people in the St. Louis, Missouri area manage their debt, and I can help you determine if a Chapter 13 bankruptcy is right for you.

To explore your debt relief options with an experienced bankruptcy lawyer, contact me at 314.432.7400. I offer a free initial consultation to determine your financial situation and advise you on where to go next.

Stop Harassment from Creditors

What is a Chapter 13 Bankruptcy?

In a Chapter 13 bankruptcy, you are bringing your debt payments to a more manageable level and keeping your major assets in the process. When you file, you can expect that:

  • Creditor harassment will end. A Chapter 13 bankruptcy will immediately stop intrusive phone calls from creditors, wage garnishment and any lawsuits against you.
  • A new payment plan will be established. We will set up a new, more manageable debt payment plan, the nature of which will be determined by your income, assets and expenses.
  • Repayment of creditors will last for 3-5 years. The length of the plan depends on many factors including the amount of debt you have as well as your income.
  • Remaining debts will be discharged. Once you have completed your plan, all of your unsecured debts that are left over will be discharged.

This is can be a complicated form of bankruptcy. I am available to my clients through every step of the process to address your questions or concerns.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.