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Archive: Nov 2014

  1. How to File for Chapter 13 Bankruptcy in St. Charles

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    How to File for Chapter 13 Bankruptcy in St. CharlesFiling for bankruptcy is never a decision to be made casually. There are too many questions that need to be answered. While it is possible to file for chapter 13 bankruptcy in St. Charles, MO and get back on solid financial ground, you need an experienced attorney to help you make informed decisions throughout the process.

    Chapter 13 bankruptcy is often referred to as a “reorganization,” because it is used to create a payment plan for your debts over 3 to 5 years. Often, it is used by working people to prevent foreclosure on a home or the repossession of assets, like a car or boat. Though some debt may be discharged, Chapter 13 is fundamentally different from Chapter 7 bankruptcy, which is a plan to sell assets and discharge debt altogether.

    The experienced legal staff at Teague & Associates, LLC can explain how bankruptcy works and help you address all of the questions that arise. We can describe how you will interact with the court and what will be expected. And, we can represent you, so that you always have a source of trusted advice as you move through the process.

    For those with a stable income that is high enough to accommodate a repayment plan, Chapter 13 bankruptcy is often an option. It can halt foreclosures and repossessions, stop creditors from pursuing you and get you on a path to a solid financial recovery. But the process starts by doing some homework, which means contacting an experienced legal professional to get answers.

    If you want to find out how to file for chapter 13 bankruptcy in St. Charles, MO call the legal professionals at Teague & Associates, LLC at (314) 899-4499 for a consultation today.

  2. How to File For Chapter 7 Bankruptcy in St. Charles

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    file for chapter 7 bankruptcy in St. Charles, MOThe decision to file for bankruptcy is never easy. But bankruptcy is not the end of your financial life – in fact, it can be the beginning. The truth is that with guidance from experienced legal professionals, many people have made the decision to file for chapter 7 bankruptcy in St. Charles, MO and have gained a fresh financial beginning because of it.

    Chapter 7 bankruptcy, often called “straight bankruptcy, involves the sale of assets and the discharge of debt, under the supervision of the court. It exists to provide people with an unmanageable debt load, including pending foreclosures and repossessions, a way to start over, free and clear.

    However, there are many things to consider beforehand. For example, will you have to sell your house, your car and other possessions? And if so, how does that work? Will your creditors be paid off? Will you really emerge debt free at the end?

    To get answers, your first stop should be an experienced bankruptcy lawyer, such as the professional legal team at Teague & Associates, LLC. Only an experienced lawyer can explain the process and answer these questions, so that you have a full picture of what’s ahead and can make informed decisions about your financial future.

    Teague & Associates, LLC can also walk you through the process, including all of the interactions with the court and what your responsibilities will be. Proper guidance will help take the fear out of the process, as you’ll know what’s ahead and what you must do.

    The truth is that bankruptcy is a process that can help many people. While every case is different, it can almost always stop the creditors from calling and eliminate debts altogether. If you want to know more about how to file for chapter 7 bankruptcy in St. Charles, MO contact the Teague & Associates, LLC at (314) 899-4499 for a hassle free consultation today.



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