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.