St. Charles Chapter 7 Attorney

Westbrook Law Group focuses exclusively on bankruptcy law in Missouri and has the expertise and background to effectively evaluate your case and determine what type of bankruptcy, if any, would be most beneficial to you. If you’re facing bankruptcy and think you would benefit from filing a Chapter 7, call our St. Charles Chapter 7 bankruptcy lawyers today for a free case evaluation. With offices in St. Charles and Troy, when you choose Westbrook Law Group, you’ll always have an attorney nearby.

Chapter 7 Bankruptcy: The Basics

Chapter 7 Bankruptcy: The Basics

Unlike Chapter 13, Chapter 7 bankruptcies are referred to as “fresh start” bankruptcies because in Chapter 7 an honest debtor may receive a discharge of most of their debts and receive a financial fresh start. Debtors just need to first pass a bankruptcy means test. Some common types of debt that can be discharged in a Chapter 7 proceeding are:

The Automatic Stay: an Immediate Benefit

The most instantaneous benefit that people who file for bankruptcy enjoy is known as the “automatic stay“. The automatic stay is an injunction that occurs the moment that bankruptcy is filed that prevents creditors from trying to collect on the debt. The types of conduct that the stay prohibits creditors from engaging in are:

Call today for a Free Consultation

When you’re in debt, it’s difficult to focus on anything else. But there are steps that you can take to get out of debt – even if your credit is damaged or your income has been cut off completely! Call our St. Charles bankruptcy attorneys at Westbrook Law Group to find out how to escape the shackles of debt and get relief in Missouri.

What Our Clients Say

“The whole bankruptcy experience was so easy and there was no stress while using the services of Westbrook Law. Brent and the whole staff were more than professional and friendly. I highly recommend if bankruptcy is your only option please give Brent Westbrook a Chance. No one works harder for you than them. Thank you Brent for getting me a fresh start again.”

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Call an Experienced St. Charles Chapter 7 Lawyer Today

Westbrook Law Group is here to help you move toward a brighter financial future. Our rates are reasonable and we will work with you to find a payment structure that meets your needs. We understand that our clients are facing financial difficulties and are flexible in our fees. Your initial consultation will be free of charge and you will meet directly with an experienced Chapter 7 attorney in St. Charles or Troy, MO who will evaluate your case and let you know what course of action would be best for you. To help our clients rebuild credit after bankruptcy, we offer 720CreditScore‘s credit program to all our clients free of charge! To schedule a free consultation, call us today at (636) 486-1122 or fill out our online case evaluation form, and a member of our staff will be in touch with you shortly.Learn how to maintain your financial freedom after getting out of debt by creating a budget in 6 easy steps

Is Chapter 7 bankruptcy right for me?

A successful bankruptcy filing under Chapter 7 can wipe out different types of debt. This means that a debtor will no longer need to repay debts that they owe from creditors. However, keep in mind that different types of bankruptcy are suited for different filers, depending on your resources, obligations, as well as short-term and long-term goals. If you plan to file for bankruptcy, consult with our experienced St. Charles MO attorneys at the Westbrook Law Group today. Our Chapter 7 bankruptcy lawyer will look closely into your financial problems and guide you as you make a decision.

How does bankruptcy Chapter 7 help with my debt?

Filing bankruptcy under Chapter 7 is considered the most straightforward and quickest option compared to other types of bankruptcy. While not all of your debt problems will be eliminated when you file Ch 7 bankruptcy, it can help you eliminate certain forms of debt and free up a sufficient budget for you to pay back non-dischargeable debts.If you decide to file for bankruptcy, you need to take both your financial situation and bankruptcy laws into account. An experienced Missouri bankruptcy attorney can evaluate your financial situation and help you rebuild your financial future. Call our Chapter 7 bankruptcy lawyer in St. Charles and Troy, MO has extensive experience handling bankruptcy cases and can provide reliable legal advice and representation to help you get back on track to financial success.

Which types of debt can I discharge in Ch 7 bankruptcy?

A Chapter 7 or liquidation bankruptcy petition is especially useful in eliminating unsecured debt. Unsecured debts refer to loans or debts that don’t have collateral, such as credit card debt, medical bills, and personal loans.

Which debts are nondischargeable in bankruptcy?

Secured debts and certain unsecured debts are considered nondischargeable debt in bankruptcy. Typical examples include particular tax debts, criminal fines and penalties, child support, alimony, and student loan debt.

Do I get bankruptcy protections in Chapter 7?

Most filers seek to benefit from the bankruptcy protection that comes with their case. The automatic stay ensures that creditors will not sue debtors for failure to pay back what they owe. It can also stop creditor harassment and wage garnishment, which is very useful for those struggling with debt. An automatic stay generally takes effect once the relevant bankruptcy court has approved a bankruptcy petition.

How long does Chapter 7 take to complete?

The Chapter 7 bankruptcy procedure will take more or less six months to complete.

Will a Chapter 7 discharge affect my credit score?

A bankruptcy declaration can stay on your credit record for up to 10 years. However, there are steps you can take to rebuild your credit and be able to take out a mortgage or auto loan after declaring bankruptcy. At Westbrook Law Group, we understand how important it is to not only get debt relief but also to get your normal life back.That’s why we offer free enrollment in a credit rebuilding program after your bankruptcy case is completed. Talk to our Chapter 7 bankruptcy in St. Charles, Troy, Columbia, and more areas in Missouri to find out how you can rebuild credit after bankruptcy.

Can I file Chapter 7 bankruptcy?

Before you can file bankruptcy, you need to meet the Chapter 7 qualifications. These include:
  • You must pass the bankruptcy means test, which takes your monthly income, living expenses, and financial situation into account. This me
  • You must not have received Ch 7 bankruptcy discharge within the last eight years.
  • You must not have received a Chapter 13 discharge in the past six years.
  • You must not have filed a bankruptcy petition that was dismissed in the last 180 days due to a court order violation or fraudulent or abusive bankruptcy filing.
  • You must not have requested a dismissal of a bankruptcy case in the last six months for a previous filing.
If you are eligible for Ch 7, make sure to submit the court forms and documentation related to your debts, personal property, and finances and follow the rules in your bankruptcy proceeding. Failure to provide all the required paperwork and supporting documents may result in the early dismissal of your bankruptcy case.Still not sure if you’re qualified for Chapter 7? Our Missouri bankruptcy lawyer can take a look at your debts and evaluation to see if you qualify for Chapter 7. Call us to find our if you are eligible today! We serve Missouri residents in St. Charles, Troy, and nearby locations.

Call today for a Free Consultation

When you’re in debt, it’s difficult to focus on anything else. But there are steps that you can take to get out of debt – even if your credit is damaged or your income has been cut off completely! Call our St. Charles bankruptcy attorneys at Westbrook Law Group to find out how to escape the shackles of debt and get relief in Missouri.


How to file for Chapter 7 Bankruptcy in Missouri

If you’re ready to file bankruptcy, you should familiarize yourself with the bankruptcy process. Below are some of the steps that you must take to have a successful bankruptcy proceeding.

Step 1: Undergo credit counseling.

Counseling with a certified nonprofit credit counseling provider must be accomplished before declaring bankruptcy.

Step 2:  File your bankruptcy petition to court.

Prepare your petition in bankruptcy and submit it to the bankruptcy court, along with the required documents. This typically includes financial statements, a list of all your debts and their creditors, as well as a list of assets you claim to be exempt from bankruptcy. If you’re not sure which documents you need to submit to court or need help preparing your petition, consult a trusted Missouri Chapter 7 bankruptcy attorney today.

Step 3: Attend your 341 meeting with creditors.

Bankruptcy trustees evaluate the case, determine eligibility, and confirm if a filer is qualified for Chapter 7 or not. They will arrange the Meeting of Creditors and manage the transactions between the parties involved.

Step 4: Liquidate your non-exempt assets.

The assigned trustee in bankruptcy filings is in charge of liquidating assets and distributing funds accordingly unless it is a ‘no asset’ case.

Step 5: Settle your secured debts.

Under relevant bankruptcy laws, creditors can repossess property and assets held as collateral to settle a secured debt. To avoid repossession, one must allocate enough funds to repay owed debts to particular lenders.

Step 6: Complete the required financial management course.

Completing a financial education course from a certified credit counseling organization is necessary before obtaining a bankruptcy discharge.

Step 7: Wait for your bankruptcy discharge.

The court order for discharged debts is usually given out around three to six months after filing bankruptcy. After you get your discharge in bankruptcy, all qualifying debts are forgiven or wiped out.

Get help with Chapter 7 bankruptcy in Missouri!

In general terms, Chapter 7 bankruptcy is ideal for filers who do not own many properties and whose debts are greater than their annual income. If you are struggling financially primarily due to unsecured debts, such as medical debt and credit card debt, a Chapter 7 filing is likely an ideal bankruptcy option.Filing for bankruptcy allows you to have a clean slate in terms of your finances. It enabled a lot of individuals to have a fresh start in life after bankruptcy. However, it is essential to seek legal help from a trusted St. Charles bankruptcy lawyer before filing bankruptcy. Get reliable bankruptcy information from our experienced attorneys at the Westbrook Law Group. Call our Missouri bankruptcy law firm for legal representation and assistance.

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