{"id":1353,"date":"2020-11-25T16:12:34","date_gmt":"2020-11-25T16:12:34","guid":{"rendered":"https:\/\/westbrooklawgroup.com\/?page_id=1353"},"modified":"2023-12-26T05:04:51","modified_gmt":"2023-12-26T10:04:51","slug":"chapter-13","status":"publish","type":"page","link":"https:\/\/westbrooklawgroup.com\/chapter-13\/","title":{"rendered":"Chapter 13 Lawyer St. Charles MO"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1353\" class=\"elementor elementor-1353\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9a90848 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9a90848\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ffdc542\" data-id=\"ffdc542\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c845384 elementor-widget elementor-widget-heading\" data-id=\"c845384\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 18-04-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Chapter 13 Lawyer St. Charles MO<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31e62a7 elementor-widget elementor-widget-text-editor\" data-id=\"31e62a7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 18-04-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><span style=\"font-weight: 400;\">Chapter 13 Bankruptcy in Missouri allows a debtor to engage in a financial reorganization supervised by a federal bankruptcy court. Usually, people who are facing a<\/span><a href=\"https:\/\/westbrooklawgroup.com\/foreclosure-attorney\/\"> <span style=\"font-weight: 400;\">foreclosure<\/span><\/a><span style=\"font-weight: 400;\">,<\/span><a href=\"https:\/\/westbrooklawgroup.com\/car-repossession-lawyer\/?_ga=2.12749310.874178045.1695908143-1704501930.1694247237\"> <span style=\"font-weight: 400;\">car repossession<\/span><\/a><span style=\"font-weight: 400;\">, or people who can afford to pay their disposable income to their creditors choose to file a Chapter 13. Furthermore, people with substantial non-exempt property (that would be sold in a<\/span><a href=\"https:\/\/westbrooklawgroup.com\/chapter-7\/\"> <span style=\"font-weight: 400;\">Chapter 7 bankruptcy<\/span><\/a><span style=\"font-weight: 400;\">) may also benefit. If you\u2019re facing bankruptcy and think you would benefit from filing a Chapter 13 in St. Charles or<\/span><a href=\"https:\/\/westbrooklawgroup.com\/troy-bankruptcy\/\"> <span style=\"font-weight: 400;\">Troy<\/span><\/a><span style=\"font-weight: 400;\">, call our Chapter 13 bankruptcy attorneys today for a<\/span><a href=\"https:\/\/westbrooklawgroup.com\/contact\/\"> <b>free case evaluation<\/b><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a10da2d elementor-widget elementor-widget-heading\" data-id=\"a10da2d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Chapter 13 Bankruptcy: The Basics<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1238496 elementor-widget elementor-widget-text-editor\" data-id=\"1238496\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Unlike some other forms of bankruptcy, a Chapter 13 bankruptcy is available to individuals and businesses alike. It provides an individual or business debtor the ability to reorganize and restructure the obligations owed to creditors. Chapter 13 differs from a Chapter 7 and a Chapter 11 proceeding. In a Chapter 7 case, an individual\u2019s debt is discharged. In other words, a person is relieved of most of his or her debt obligation as a result of the bankruptcy proceeding. Similarly, in a Chapter 11 case, a business obtains a discharge of most of the debt it owes to its creditors.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6eb13c26 elementor-widget elementor-widget-text-editor\" data-id=\"6eb13c26\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><img fetchpriority=\"high\" decoding=\"async\" class=\"size-medium wp-image-1360 alignright lazyloaded\" src=\"\/wp-content\/uploads\/2020\/11\/Chapter-13-Attorney-300x200.png\" sizes=\"(max-width: 300px) 100vw, 300px\" srcset=\"https:\/\/www.westbrooklawgroup.com\/wp-content\/uploads\/2020\/11\/Chapter-13-Attorney-300x200.png 300w, https:\/\/www.westbrooklawgroup.com\/wp-content\/uploads\/2020\/11\/Chapter-13-Attorney.png 498w\" alt=\"Chapter 13 Attorney\" width=\"300\" height=\"200\" data-src=\"https:\/\/www.westbrooklawgroup.com\/wp-content\/uploads\/2020\/11\/Chapter-13-Attorney-300x200.png\" data-srcset=\"https:\/\/www.westbrooklawgroup.com\/wp-content\/uploads\/2020\/11\/Chapter-13-Attorney-300x200.png 300w, https:\/\/www.westbrooklawgroup.com\/wp-content\/uploads\/2020\/11\/Chapter-13-Attorney.png 498w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" data-pagespeed-url-hash=\"1489428942\" \/><\/p><p><span style=\"font-weight: 400;\">In a Chapter 13 bankruptcy, an individual reorganizes their debt in such a way that they propose to pay their creditors their disposable income over a three to five year period. The plan is memorialized in writing, and details all the future transactions that will occur between a debtor and his or her creditors. The debtor in turn makes a payment each month to the court-appointed trustee, who in turn divides the money between the creditors of that debtor. The court establishes a specific time frame in which the obligations or debts in the payment plan must be satisfied or paid off by the debtor. Pursuant to the U.S. Bankruptcy Code, the maximum length of time for a repayment plan in a Chapter 13 bankruptcy case is five years. Generally, the debtor keeps their property, and the creditors receive much less money than had the debtor not filed for bankruptcy.<\/span><\/p><p><span style=\"font-weight: 400;\">The amount of money a debtor needs to pay each month to the trustee in a Bankruptcy case is based upon that individual\u2019s income and the total amount of debt due and owing to all of the creditors. The failure to make required payments will result in a dismissal of the bankruptcy case.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75923da elementor-widget elementor-widget-heading\" data-id=\"75923da\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Advantages of Filing a Chapter 13:<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71d5423 elementor-widget elementor-widget-text-editor\" data-id=\"71d5423\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Stopping a foreclosure<\/li><li>Discharge of debts not dischargeable under Chapter 7<\/li><li>Reinstate suspended license<\/li><li>Protect non-exempt assets<\/li><li>Debts incurred in a divorce<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e30eb7 elementor-widget elementor-widget-heading\" data-id=\"5e30eb7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why Choose Us<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b94d58 elementor-widget elementor-widget-text-editor\" data-id=\"5b94d58\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Below is a list of what to expect in the event that you choose to hire our St. Charles Chapter 13 attorneys:<\/p><ul><li>Free initial consultation<\/li><li>Complete paperwork with attorney &amp; Case filed<\/li><li>Attend creditors meeting<\/li><li>First payment 30 days after filing<\/li><li>Confirmation of plan 30 to 60 days after the creditors meeting<\/li><li>Payments for 36-60 months<\/li><li>Discharge of plan upon completion<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-653eecf elementor-widget elementor-widget-shortcode\" data-id=\"653eecf\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"section\" data-elementor-id=\"3747\" class=\"elementor elementor-3747\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-727ac5a7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"727ac5a7\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2703f1ef\" data-id=\"2703f1ef\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-287bc064 elementor-widget elementor-widget-heading\" data-id=\"287bc064\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Call today for a Free Consultation<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-501d68a6 elementor-widget elementor-widget-text-editor\" data-id=\"501d68a6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>When you&#8217;re in debt, it&#8217;s difficult to focus on anything else. But there are steps that you can take to get out of debt &#8211; 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.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f4068bc elementor-mobile-align-center elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7f4068bc\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:6362450469\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-left\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone-alt\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CALL US NOW - 636-245-0469<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a871bb1 elementor-widget elementor-widget-heading\" data-id=\"a871bb1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Our Clients Say<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8296c0 elementor-widget elementor-widget-text-editor\" data-id=\"d8296c0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u201cEvery person that works in this office is wonderful. Marisa is so kind and helpful. Kathy is always there to answer any questions I may have and Brent was always kind and compassionate with my situation. Not to mention, for having such high ratings and high level of professionalism, they were incredibly affordable. I would suggest them to anyone wanting to reclaim their financial freedom and feel confident in doing so!\u201d<\/p><p>Rating: 5\/5\u00a0\u2b50\u2b50\u2b50\u2b50\u2b50<br \/>Ciara Flack<br \/>Read more of our <strong>152+ reviews<\/strong> on <a href=\"https:\/\/www.google.ca\/search?_ga=2.235826823.784829415.1606228376-1349324831.1595422298&amp;q=Westbrook+Law+Group,+LLC&amp;ludocid=4241849566142313217&amp;lsig=AB86z5UCbNnPSRkAL7sUq4dyqgeF#lrd=0x87df2faa202f70b1:0x3ade13b4c48eb301,1,,,\" target=\"_blank\" rel=\"noopener noreferrer\">Google<\/a>!<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9c7a58 elementor-widget elementor-widget-heading\" data-id=\"d9c7a58\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Filing a Chapter 13 for a Fresh Start<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52b4c52 elementor-widget elementor-widget-text-editor\" data-id=\"52b4c52\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<img decoding=\"async\" class=\"alignright size-medium wp-image-3708\" src=\"https:\/\/westbrooklawgroup.com\/wp-content\/uploads\/2021\/10\/Chapter-7-Attorney-300x200.webp\" alt=\"Chapter 7 Bankruptcy: The Basics\" width=\"300\" height=\"200\" srcset=\"https:\/\/westbrooklawgroup.com\/wp-content\/uploads\/2021\/10\/Chapter-7-Attorney-300x200.webp 300w, https:\/\/westbrooklawgroup.com\/wp-content\/uploads\/2021\/10\/Chapter-7-Attorney.webp 492w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>If you\u2019re in over your head financially, call Westbrook Law Group today to schedule a <strong>free initial consultation<\/strong> with an experienced Chapter 13 lawyer in St. Charles and Troy, MO. Together, we can evaluate your financial situation and determine what the best course of action is to quickly put you back on track. We understand that the people seeking our services are having financial difficulty, and as a result, offer competitive rates and payment plans. To help our clients <a href=\"\/720-credit-score\/\">rebuild credit after bankruptcy<\/a>, we offer <a href=\"https:\/\/westbrooklawgroup.com\/720-credit-score\/\" target=\"_blank\" rel=\"noopener\">720CreditScore<\/a>\u2018s credit program to all our clients free of charge! We also are available to meet with you in the evening or over the weekend, by appointment. Call us today at (636) 486-1122 or fill out our <a href=\"\/contact\/\">online case evaluation<\/a> and someone will get back to you shortly.\n\nLearn how to maintain your financial freedom after getting out of debt by <a href=\"\/how-to-budget-for-your-family\/\">creating a budget<\/a> in 6 easy steps.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f8a8fa elementor-widget elementor-widget-text-editor\" data-id=\"1f8a8fa\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>What is Chapter 13 Bankruptcy?<\/b><\/h2>\n<span style=\"font-weight: 400;\">Chapter 13 bankruptcy is a type of personal bankruptcy that is referred to as a reorganization bankruptcy. Unlike Chapter 7 or liquidation bankruptcy, Chapter 13 allows debtors to create a plan for finishing their debts payments over time.\u00a0<\/span>\n<h3><b>What are the benefits of Chapter 13 bankruptcy?<\/b><\/h3>\n<span style=\"font-weight: 400;\">Chapter 13 provides debtors with temporary and permanent debt relief. When you file your Chapter 13 bankruptcy petition, the automatic stay takes effect. This grants you temporary debt relief that will stop creditor harassment and wage garnishments, as well as prevent foreclosure and repossession proceedings. Once you complete your Ch 13 repayment plan, your bankruptcy discharge provides permanent relief from dischargeable debts, such as credit card debt, medical bills, and more.<\/span>\n\n<b>Not sure if your debts can be discharged in bankruptcy?<\/b><span style=\"font-weight: 400;\"> Schedule a call with our Chapter 13 bankruptcy attorney in St. Charles and Troy, MO to find out which of your debts can be eliminated through bankruptcy.<\/span>\n<h3><b>How long does it take to file for Chapter 13 bankruptcy?<\/b><\/h3>\n<span style=\"font-weight: 400;\">There are two parts to the Chapter 13 process: getting your Chapter 13 plan confirmed and completing your repayment plan. How long your Ch 13 bankruptcy case lasts depends on how much you make and how long it will take to complete your bankruptcy plan payments.<\/span>\n\n<span style=\"font-weight: 400;\">On average, filers get their Chapter 13 repayment plans approved in three to six months. The repayment plan generally takes around three to five years to complete, but it is possible to complete it earlier.<\/span>\n<h3><b>How much does it cost to file for Chapter 13 bankruptcy?<\/b><\/h3>\n<span style=\"font-weight: 400;\">If you&#8217;re thinking about declaring bankruptcy, you need to take a few bankruptcy costs into account.<\/span>\n<ul>\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Filing Fees<\/span><\/li>\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Administrative Fee<\/span><\/li>\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fee for Reopening a Ch 13 Case<\/span><\/li>\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Attorney Fees<\/span><\/li>\n<\/ul>\n<span style=\"font-weight: 400;\">The total Ch 13 bankruptcy costs average between $1,500 and $4,000 but this greatly depends on your own circumstances.<\/span>\n\n<b>Need an estimate for your bankruptcy filing cost? <\/b><span style=\"font-weight: 400;\">Call Westbrook Law Group today to schedule a consultation with our St. Charles Chapter 13 bankruptcy attorney. We help Missouri residents in St. Charles, Troy, and more locations.<\/span>\n\n<br>\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"3747\" class=\"elementor elementor-3747\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-727ac5a7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"727ac5a7\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2703f1ef\" data-id=\"2703f1ef\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-287bc064 elementor-widget elementor-widget-heading\" data-id=\"287bc064\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Call today for a Free Consultation<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-501d68a6 elementor-widget elementor-widget-text-editor\" data-id=\"501d68a6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>When you&#8217;re in debt, it&#8217;s difficult to focus on anything else. But there are steps that you can take to get out of debt &#8211; 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.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f4068bc elementor-mobile-align-center elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7f4068bc\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:6362450469\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-left\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone-alt\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CALL US NOW &#8211; 636-245-0469<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<br>\n\n<h2><b>Who can file Ch 13 bankruptcy in Missouri?<\/b><\/h2>\n<span style=\"font-weight: 400;\">Before filing bankruptcy, you first have to make sure that you are qualified for the type of bankruptcy you want to file. In general, there are three things you need to consider to determine if you&#8217;re eligible for Chapter 13.<\/span>\n<h3><b>Are you filing as a business or an individual?<\/b><\/h3>\n<span style=\"font-weight: 400;\">Since it&#8217;s a type of personal bankruptcy, a Chapter 13 filing is not available to businesses and companies. Consult your bankruptcy lawyer if you need to file bankruptcy for your business.<\/span>\n<h3><b>Do you have a steady source of income?<\/b><\/h3>\n<span style=\"font-weight: 400;\">A Chapter 13 bankruptcy case works by restructuring your debts into a long-term repayment plan, which is why you need to have a steady income. You&#8217;ll need to show the bankruptcy court that you can afford your monthly debt repayments and living expenses for the duration of your plan. If you can&#8217;t prove that you have the financial capacity to fulfill your repayment plan, you won&#8217;t be able to get your bankruptcy discharge.<\/span>\n<h3><b>How much secured and unsecured debt do you have?<\/b><\/h3>\n<span style=\"font-weight: 400;\">According to bankruptcy lawyers, the total amount owed for your secured and unsecured debts should not exceed certain debt limits. Secured debts refer to loans that have collateral, such as mortgage and car loans. This means that if you fail to repay your loan, the lender can seize your collateral property. On the other hand, unsecured debt refers to a loan that doesn&#8217;t have collateral.<\/span>\n\n<b>Thinking of filing Chapter 13 in St. Charles, MO?<\/b><span style=\"font-weight: 400;\"> Our St Charles bankruptcy attorney can determine your eligibility and prepare your bankruptcy petition so you can get a fresh start in Missouri.<\/span>\n\n&nbsp;\n<h2><b>How to File Chapter 13 in Missouri<\/b><\/h2>\n<span style=\"font-weight: 400;\">Once you&#8217;ve made sure that you are eligible for Chapter 13, you can begin the bankruptcy process in Missouri. Here are the steps to a typical Chapter bankruptcy case:<\/span>\n<ol>\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Take a pre-filing course from an approved agency.<\/span><\/li>\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prepare your Ch 13 petition and create your proposed repayment plan.<\/span><\/li>\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">File your bankruptcy petition and plan to court.<\/span><\/li>\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Attend your 341 meeting with creditors.<\/span><\/li>\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Attend your confirmation hearing.<\/span><\/li>\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Complete your Chapter 13 repayment plan.<\/span><\/li>\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Take the required financial management class.<\/span><\/li>\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Get your bankruptcy discharge.<\/span><\/li>\n<\/ol>\n<b>Need help with your Chapter 13 proceeding?<\/b><span style=\"font-weight: 400;\"> Our trusted Chapter 13 bankruptcy attorney in St. Charles &amp; Troy, MO can assist you in getting a fresh financial start. Call us today to schedule an appointment at Westbrook Law Group.<\/span>\n\n<br>\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"3747\" class=\"elementor elementor-3747\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-727ac5a7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"727ac5a7\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2703f1ef\" data-id=\"2703f1ef\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-287bc064 elementor-widget elementor-widget-heading\" data-id=\"287bc064\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Call today for a Free Consultation<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-501d68a6 elementor-widget elementor-widget-text-editor\" data-id=\"501d68a6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>When you&#8217;re in debt, it&#8217;s difficult to focus on anything else. But there are steps that you can take to get out of debt &#8211; 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.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f4068bc elementor-mobile-align-center elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7f4068bc\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:6362450469\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-left\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone-alt\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CALL US NOW &#8211; 636-245-0469<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<br>\n<h2><b>Why should I file a bankruptcy chapter 13?\u00a0\u00a0<\/b><\/h2>\n<span style=\"font-weight: 400;\">There are three main reasons why a debtor chooses bankruptcy Ch 13 over Ch 7.<\/span>\n<h3><b>You don&#8217;t qualify for Ch 7 bankruptcy.<\/b><\/h3>\n<span style=\"font-weight: 400;\">Chapter 7 has a bankruptcy means test that you need to pass in order to qualify. Bankruptcy filers who fail the means test earn too much for Ch 7, but are eligible to switch to a Ch 13 filing.<\/span>\n<h3><b>You wish to keep certain assets and property.<\/b><\/h3>\n<span style=\"font-weight: 400;\">A Chapter 7 filing is known as liquidation bankruptcy because it involves selling your nonexempt assets to repay your creditors. However, this means that the bankruptcy trustee can liquidate your vehicle, house, or other property you want to keep.<\/span>\n<h3><b>You fell behind on your mortgage but want to avoid home foreclosure.<\/b><\/h3>\n<span style=\"font-weight: 400;\">A Chapter 13 filing is great for Missouri residents who want to keep their homes in bankruptcy. The Chapter 13 plan allows you to catch up on your mortgage arrears and stay in your home. This can also be sued to stop car repossessions and keep your car in bankruptcy.<\/span>\n\n&nbsp;\n<h2><b>Why do you need a bankruptcy attorney?\u00a0\u00a0<\/b><\/h2>\n<span style=\"font-weight: 400;\">Without a bankruptcy lawyer, you&#8217;ll have to navigate the many rules and procedures of the bankruptcy process on your own. This means you&#8217;re prone to making an error that will cost you down the line.<\/span>\n\n<span style=\"font-weight: 400;\">With the assistance of an experienced attorney, you can be sure that you&#8217;re filing for the right type of bankruptcy for you and submitting all the required paperwork to the court. You can avoid common mistakes, such as taking a pre-filing course from a credit counseling agency that isn&#8217;t approved by the bankruptcy court. You&#8217;ll also get quality advice and representation throughout your Ch 13 proceeding, so you can protect your interests and make sure that creditors follow the automatic stay.<\/span>\n<h3><b>How do I find a good bankruptcy attorney for Chapter 13?<\/b><\/h3>\n<span style=\"font-weight: 400;\">You need an attorney who is experienced and knowledgeable in bankruptcy law. At Westbrook Law Group, we have years of experience handling Chapter 7 and Chapter 13 bankruptcy cases in Missouri. We work hard to bring peace back to your life and help you get back on track to financial success. Call us at <\/span><a href=\"tel:636-425-2997\"><span style=\"font-weight: 400;\">636-425-2997<\/span><\/a><span style=\"font-weight: 400;\"> to talk to a Chapter bankruptcy attorney near you.<\/span>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Chapter 13 Lawyer St. Charles MO Chapter 13 Bankruptcy in Missouri allows a debtor to engage in a financial reorganization supervised by a federal bankruptcy court. Usually, people who are facing a foreclosure, car repossession, or people who can afford to pay their disposable income to their creditors choose to file a Chapter 13. Furthermore, [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"_links":{"self":[{"href":"https:\/\/westbrooklawgroup.com\/wp-json\/wp\/v2\/pages\/1353"}],"collection":[{"href":"https:\/\/westbrooklawgroup.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/westbrooklawgroup.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/westbrooklawgroup.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/westbrooklawgroup.com\/wp-json\/wp\/v2\/comments?post=1353"}],"version-history":[{"count":51,"href":"https:\/\/westbrooklawgroup.com\/wp-json\/wp\/v2\/pages\/1353\/revisions"}],"predecessor-version":[{"id":6070,"href":"https:\/\/westbrooklawgroup.com\/wp-json\/wp\/v2\/pages\/1353\/revisions\/6070"}],"wp:attachment":[{"href":"https:\/\/westbrooklawgroup.com\/wp-json\/wp\/v2\/media?parent=1353"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}