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Teague & Associates, LLC
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Archive: Mar 2015

  1. Why It Is Important to Stop Repossession with Bankruptcy Attorney in Florissant

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    Similar to wage garnishments, repossessions are a type of punitive actions creditors take against individuals who have fallen behind on their payments. Also, similar to garnishments, it is possible to stop repossession with bankruptcy attorney in Florissant who can help navigate you thorough the process legally and professionally.

    For anyone facing the possibility of having their vehicle, or some other type of property repossessed, it is essential to contact Teague & Associates, LLC today.

    Stop Repossession with Bankruptcy Attorney in Florissant

    In a large number of cases, one of the best ways to halt repossession actions is to file for bankruptcy. When this occurs, an automatic hold will be put into effect in order to halt creditors from being able to contact a petitioner, as well as stopping creditors from moving forward to actually repossess the petitioner’s property, or take any additional action.

    This means that creditors will have to wait for the bankruptcy case to proceed in order to determine if they will receive any type of repayment, how much it will be and when it will occur. Once bankruptcy has been filed for halting the repossession process, what occurs next will be dependent on a number of factors, which include the actual type of bankruptcy case that a person is pursuing.

    Specifically, if a person files for Chapter 7 bankruptcy, they may have to liquidate a portion of their property in order to discharge a portion of their debt. Additionally, if a person has filed for Chapter 13 bankruptcy, they may have the ability to retain all of their property if they are able to device and then stick with a repayment plan for any outstanding debts.

    Some other things to note when filing for bankruptcy in order to stop repossessions, is that court orders are not always required for a repossession to take place. Also, while bankruptcy can stop repossessions from occurring to begin with, it cannot reverse them if they have already occurred. This means that it is essential for anyone in this situation to contact Teague & Associates, LLC right away to have the best possible chance of eliminating the possibility of a repossession.

    For more information on how to stop repossession with bankruptcy attorney in Florissant, contact Teague & Associates, LLC today at (314)899-4499.

  2. Stop Judgment with a Bankruptcy Attorney in St. Charles

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    Stop Judgment with a Bankruptcy Attorney in St. CharlesFor any individual with a significant amount of debt, life seems like it’s nothing but collection call after collection call. But, when a debtor has a court ordered judgment against them from a creditor, it has made them more vulnerable to their mandatory collection to pay off owed debt. Now that a creditor has the ability to garnish the wages of the debtor it becomes more serious than a mere collection call or two. However, there is hope, as many of these debtors have found that they can actually stop judgment with a bankruptcy attorney in St. Charles.

    There are a number of ways in which a creditor can use a court ordered judgment against a debtor, including wage garnishment and ceasing their bank accounts or property of value. Wage garnishment is done by the employer withholding a certain percentage of the individual’s pay and releasing it to the creditor until the debt is paid off. For individuals who live paycheck to paycheck a long-term garnishment can be detrimental to their finances. When a creditor ceases property, such as a bank account, it can drain that person’s life savings in a matter of minutes.

    Oftentimes these individuals are surprised to find that a bankruptcy attorney can help them through their financial woes. But, this attorney can explain to them the process of filing for bankruptcy, what it means for the judgment against them (and any other debts) and how it can affect them long-term. A bankruptcy attorney is intended to be the right hand man of anyone who is considering filing for chapter 7 or chapter 13 bankruptcy. And, during this confusing and scary time during a debtor’s life it can feel good to know that there is someone on their side helping them to come to sound decisions and answering their questions legitimately.

    Understanding that there is someone to help you through the process of debt cancellation, and that can help to give you the necessary information you need to stop judgment with a bankruptcy attorney in St. Charles is certainly peace of mind. Get started on the road to financial improvement by stopping the judgment against you with the help of Teague & Associates, LLC at (314) 899-4499.


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