Deciding whether to file bankruptcy is one of the most personal financial decisions you can make. Most people who come into our office feel stressed, embarrassed, or worried they're doing something wrong. They're not — bankruptcy is a legitimate legal tool, and the vast majority of our clients are honest people who hit hardship through no fault of their own: a job loss, a divorce, a medical event.
Warning Signs Worth a Phone Call
- Your monthly bills exceed your income
- You're behind on your mortgage or car payments
- You're facing a lawsuit, repossession, or foreclosure
- Your wages are being garnished or your bank account has been levied
- Collection calls and letters are constant
If any of these describe your situation, it's worth a conversation. There's no obligation, and you'll leave knowing whether bankruptcy is right for you.
What a Free Consultation Looks Like
We'll walk through your income, your debts, and what you're trying to protect — your home, your car, your wages. From there, we can tell you whether Chapter 7, Chapter 13, or a non-bankruptcy option fits best. With over 500 cases filed, we know what works in St. Louis and St. Charles courts.