No one plans to be overextended financially, especially when he or she has spent a lifetime building toward home ownership, investments and retirement. Unfortunately, even those who have made all of the right moves in planning ahead can face sudden financial stress when medical bills, divorces or unemployment put their well-being at risk.
The St. Louis bankruptcy law attorneys of Karfeld Law Firm, P.C., provide experienced guidance to help individuals throughout the metropolitan area get finances under control.
Attorneys Edward J. Karfeld and Donna L. Karfeld have spent more than 30 years working in various facets of this legal discipline on the consumer bankruptcy, bankruptcy trustee and collections side of proceedings. Their firm grasp of the various issues you face can help you achieve favorable outcomes that protect your assets and your financial future.
Immediate Relief From The Stress Of Overwhelming Debt
Bankruptcy should be used strategically, and not entered into without a thorough assessment of your debts, your assets and your financial hardship. Before you proceed with a debt relief option, you should understand what steps should be taken to protect precious assets like retirement accounts, savings and houses. In many cases, assets like these are exempt, but only if bankruptcy is filed properly with full disclosure in bankruptcy proceedings.
When you file bankruptcy, creditor actions against you are put to an immediate halt (called an "automatic stay"). Wage garnishments, repossession, foreclosure actions and communication from your creditors must go through your attorney.
Advice That Addresses Your Unique Needs To Stop Garnishments And Creditor Actions In St. Charles Missouri
Our firm can bear the legal burden while we work to get debts discharged in Chapter 7 bankruptcy or restructured into manageable payment plans through Chapter 13 bankruptcy. While bankruptcy can help your debts get discharged, in some cases, our experienced lawyers can find alternatives to bankruptcy that can put you in a more favorable position.
We will provide you with straightforward information, only recommending, in good faith, what our years of experience have proven to be the most effective methods for helping clients achieve lasting results.
We offer free confidential consultations via telephone. Contact our firm online or call us at 314-732-0748 (toll free at 888-389-6807).
We are a debt relief agency. We help individuals, businesses and government entities file for bankruptcy relief under the Bankruptcy Code.
Count on Our Experience to Work for You