Rochelle D. Stanton Attorney at Law has been practicing law for nearly three decades. She uses her legal knowledge and experience to protect individuals, families and small businesses from debt and unfair collection practices. If you are unable to pay the bills, call our St. Louis bankruptcy law attorney at 314-262-4390 or contact us online.
Our bankruptcy practice covers a broad range of issues, including:
- Chapter 7 — Many of your debts will be discharged under Chapter 7. It is often good for people with lower incomes or fewer assets.
- Chapter 13 — A good choice if you are behind on mortgage payments or your income is higher than the limit for Chapter 7.
- Small business bankruptcy — Small businesses may be eligible for Chapter 7 bankruptcy if they plan to liquidate assets and go out of business.
- Bankruptcy for churches, pastors and ministers — We can discuss how bankruptcy can help struggling churches and pastors or ministers who are personal guarantors.
- Bankruptcy alternatives/loan modification — Working with your lender may be an option to lower your monthly payments.
- Is this the right time to file? — There are issues to address before you file. We can help you time your filing correctly.
- Valuing personal property — You must properly estimate the value of any personal property, including vehicles, that you intend to redeem in Chapter 7.
- Stripping a second or third mortgage in Chapter 13 — If your first mortgage is more than your property is worth, you may be able to discharge a second mortgage.
- Stop foreclosure — Filing for bankruptcy can stop foreclosure if you are able to keep making mortgage payments under the Chapter 13 repayment plan.
- Avoiding foreclosure — Filing Chapter 7 may delay foreclosure. Loan modification is another possibility.
- Discharging of student loans — This is rarely granted unless you meet specific hardship criteria.
- Ending creditor harassment — Bankruptcy provides an automatic stay that stops all collection actions, including harassment.
- Stop garnishment and repossession — The automatic stay ends wage garnishment and stops repossession if your vehicle has not yet been repossessed.
- Redemption of personal property — Under Chapter 7, you can buy back your personal property for less than the amount you owe.
- Debt negotiation and collection — This is a tricky process with many pitfalls. Know your rights first.
- Nonprofit credit counseling agencies — Generally, nonprofits provide sound advice on credit counseling.
- Private debt relief agencies — Beware of companies that charge for their services. Many are just scams.
- Filing bankruptcy more than once — It is possible to file again, but you must meet certain criteria.
- Taxes and bankruptcy — Most types of taxes are not dischargeable in bankruptcy. There are a few exceptions.
To make an appointment with a lawyer, please call our Missouri office at 314-262-4390. Your consultation is free.
