When you’re facing debt problems alone, it’s hard to know what to do. But you do have options.
When you can’t afford to pay your debts, or you’re using credit to just to stay afloat in your budget, it’s normal to feel afraid, stressed out, and even hopeless. But what if I told you that you have the power to stop the collections; stop the foreclosure, repossession, garnishment, and harassing phone calls, so that you can breathe again. Just imagine what life would be like if you were free from never-ending debt.
Bankruptcy law places the control back into your hands.
The filing of a proper Chapter 7 or Chapter 13 bankruptcy case will impose an automatic stay that stops and prevents all kinds of collection activity against you and your property. Under Chapter 7, you’re allowed to completely eliminate your liability on debts with the bankruptcy discharge: no more collection calls, lawsuits, or garnishments. Under Chapter 13, you are given the time to reorganize your debt: shed the debt that you can’t afford and restructure the debt that you want to keep, like your mortgage and car loans.
You deserve an attorney who is focused on your goals and determined to help you reach them.
Bankruptcy law is a highly specialized and complex area. Here are some important points to consider when deciding who to hire to represent you:
- You should feel comfortable with the attorney. You deserve to be treated with respect and dignity.
- The attorney should specialize in bankruptcy or dedicate a majority of their practice to bankruptcy law.
- Ask if the attorney has handled cases similar to yours and, if so, what was the outcome?
- Will the attorney handle the case him or herself or will it be drafted by a non-attorney staff member?
- Check the attorney’s standing with the State Bar.
Alternatives to Bankruptcy.
If you’re looking to pay off your debts at a reduced rate but don’t want to file for bankruptcy, I can help you negotiate directly with your creditors. But keep in mind, reaching an agreement on the numbers is only half the battle. I can provide the leverage and insight you’ll need to negotiate a successful, valid debt settlement agreement.
I’m here to offer customized, debt-relief solutions to St. Louis residents.
Every person’s circumstances are unique and require careful consideration. One size doesn’t fit all when you’re talking about financial fixes. I take the time to listen and understand my clients’ priorities first, before explaining their options. To get the most from your bankruptcy case or debt settlement negotiation, proper planning and preparation is key. The federal bankruptcy laws are very complex and require an understanding of multiple areas of law to prepare a case properly. This is where I can help. Not only do I have many years of experience in consumer bankruptcy law and other related areas, but I diligently fight for my clients to ensure that their rights are protected.
My office is centrally located in Clayton, Missouri and parking is convenient and free.
Call (314)721-2525 or contact me online to schedule a free consultation with me, Nancy Stokley Martin, an experienced St. Louis Consumer Bankruptcy Attorney. I will be here to answer all of your questions and give you trustworthy legal advice. The office is located in Clayton, and I offer a 30-minute initial consultation free of charge during regular business hours.
I am a St. Louis, Missouri attorney and consumer bankruptcy lawyer and I help people file Chapter 7 and Chapter 13 Bankruptcy. To find out more about bankruptcy and other debt relief alternatives, contact me online or by phone at (636) 536-5355. The law office is located at 150 North Meramec Avenue, Suite 400, St. Louis, Missouri 63105.
I help people in St. Louis, St. Charles, Chesterfield, Ballwin, Creve Coeur, Maryland Heights, Ladue, Manchester, Kirkwood, Webster Groves, Wildwood, Bridgeton, Fenton, Eureka, Ellisville, Des Peres, Clarkson Valley, O’Fallon, St. Peters, Clayton, Olivette, Warrenton, Florissant, Hazelwood, and Frontenac. This includes the municipalities within St. Louis County, St. Louis City, St. Charles County, Jefferson County, Franklin County, Warren County and Lincoln County.