Chapter 13 Bankruptcy in Missouri

If you’re struggling financially, a Chapter 13 bankruptcy might be right for you. Let our bankruptcy attorneys help you decide.

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A Chapter 13 bankruptcy is ideal for an individual who does not qualify for a Chapter 7 bankruptcy or wants to keep certain assets. In a Chapter 13 bankruptcy, the individual filing is required to participate in a repayment plan where a portion of your debt will be paid off. The monthly payment amounts are based on your income and what you can afford, and after the three to five year repayment period is over, your unsecured debt is discharged tax-free.

If Chapter 13 bankruptcy sounds like it may be a viable solution to your financial difficulties, the team at Adams Law Group in St. Peters can help. Contact our bankruptcy attorneys today to schedule a consultation.

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The benefits of a Chapter 13 bankruptcy:

  • Filing for bankruptcy stops all collection activity as well as foreclosures and repossessions.

  • If you can afford to continue to pay your monthly payments for your home and car, you can typically keep those assets.

  • Your repayment plan is based on what you can afford.

  • All of your unsecured debt is discharged after your repayment period is complete.

  • Chapter 13 bankruptcy can help you enjoy a brighter financial future.


Stop Foreclosures


Stop Repossessions


Stop Collection Calls


Stop Other Collection Activity

The Chapter 13 Repayment Plan

Chapter 13 bankruptcy includes a repayment plan where the individual filing is required to pay back a portion of their debts. The repayment plan lasts anywhere from three to five years and the payments are based on your income and what you can afford to pay every month. If the individual continues to make these monthly payments and does not default on the repayment plan, after the repayment period is over, the remainder of their unsecured debt will be discharged. The Chapter 13 repayment plan is ideal for those looking to start with a clean financial slate but do not qualify for a Chapter 7 bankruptcy.


Stop Collection Activity Now

When you file for Chapter 13 bankruptcy, or any other type of bankruptcy, the court will order an automatic stay. This requires all creditors to cease collection activity. This means you’ll no longer receive harassing phone calls, emails, or other notifications from your creditors. The automatic stay also stops foreclosures and repossessions. However, it does not distinguish your debts; it simply puts a pause on all collection activity while you work through your financial difficulties.

The team at Adams Law Group can help you file a Chapter 13 bankruptcy and receive an automatic stay from the court. Contact us today.

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Schedule Your Bankruptcy Consultation Today

Are you tired of the harassing collection calls from your creditors? Are you ready to take control of your financial situation and start building a healthy financial future? The team of bankruptcy attorneys at Adams Law Group can help. Contact our Missouri law firm today to schedule a consultation to learn more and determine if a Chapter 13 bankruptcy is right for you.

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