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Archive: Jun 2017

  1. How to Stop Foreclosure with a Bankruptcy Lawyer in Maryland Heights

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    How to Stop Foreclosure with a Bankruptcy Lawyer in Maryland Heights
    Facing foreclosure is not only unfortunate but it is also confusing and overwhelming. You may wonder if there is any way that you can delay the inevitable or even avoid it entirely. It may be possible to stop foreclosure with a bankruptcy lawyer in Maryland Heights. By filing Chapter 7 bankruptcy, you may delay the foreclosure for several months. You can actually save your home by filing for Chapter 13 bankruptcy.

    A foreclosure occurs when you fall behind on paying your mortgage but it does not occur overnight. Since many steps are involved, the process may take a few months, giving you time to investigate other options to meet your obligation. If you have tried these methods with no success, it may be necessary to consider filing bankruptcy.

    Filing Chapter 7 or Chapter 13 bankruptcy automatically initiates an automatic stay, which tells your creditors to cease collection activities. This results in a delay to the foreclosure.

    If you are determined to keep your home, filing Chapter 13 is the choice for you. This option permits you to pay off the amount that you are in arrears over a specifically determined period of time. Keep in mind that you will not only have to pay your current monthly mortgage payment but also the agreed upon amount in arrearage. Paying all of these monies will allow you to keep your home.

    Filing Chapter 7 bankruptcy discharges virtually all of your debts and you will lose your home.

    Speak with a professional to decide how to stop foreclosure with a bankruptcy lawyer in Maryland Heights at Teague & Associates, LLC. Call (314)899-4499 today.

  2. Resolve Financial Issues with a Chapter 7 Bankruptcy Attorney in Florissant

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    Chapter 7 bankruptcy attorney in Florissant

    Accumulating excess debt can be overwhelming and upsetting. Unanticipated expenses for healthcare, loss of income, a failed business venture and more can cause financial obligations to rise quickly without the means to pay them. When this issue becomes too much to manage successfully, it may be necessary to file bankruptcy. Consulting a professional Chapter 7 bankruptcy attorney in Florissant can give you peace of mind and some welcome guidance on the best way to proceed.

    Filing Chapter 7 bankruptcy is typically a good option when the following situations can be met:

    • It is not an option to file Chapter 13 bankruptcy. Chapter 13 is for those with higher incomes, a mortgage or other secured debts and are able to create a satisfactory repayment plan.
    • You have few or no assets or secured debts. There are some exemptions for property that you can keep, including personal items, clothing, household items and some cash.
    • You have debts that are eligible to be discharged.
    • You want to free yourself from your debt problems in a timely manner. Chapter 13 can take from 3-5 years, whereas Chapter 7 can often be completed within a few months.

    Bankruptcy as a debt relief solution can be a tricky position to navigate but with the proper guidance, it can be handled with professionalism and integrity. If you are considering whether bankruptcy might be the most appropriate option for your unique financial situation, call Teague & Associates, LLC to schedule a consultation. Speak with a Chapter 7 bankruptcy attorney in Florissant by phoning (314)899-4499.

  3. You Can Stop Judgment with a Bankruptcy Attorney in St. Louis

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    bankruptcy attorney in St. Louis

    Economic difficulties can happen to anyone at any time. No one is immune to this issue, from the wealthiest to the poorest in our society. Job loss, medical issues, foreclosure and other complications are more common than you may think. If you are experiencing problems in meeting your financial obligations, there is help available to you. Seek advice and stop judgment with a bankruptcy attorney in St. Louis.

    Creditors have a number of ways to collect money from you if a judgment is made against you. These include levies on your property, wage garnishment, assignment orders and more. There are ways to stave off these collections, however. A bankruptcy lawyer may help you:

    • Bargain with the creditor who has a judgment against you. Many times an agreement for a reasonable payment offer will be accepted.
    • Exempt certain types of your property from collection. These often include your home, wages, pension, vehicle, furniture, clothes and personal items.
    • Claim that your debt is/was for basic necessities like clothing, food, rent/mortgage or utilities.

    Your bankruptcy attorney will guide you through the process of an exemption hearing and make your case for the need of the money or items that have been claimed for judgment.

    This type of situation is best handled by a professional who knows how to navigate the court system and is experienced with negotiation with creditors. Call Teague & Associates, LLC, at (314)899-4499 to stop judgment with a bankruptcy attorney in St. Louis. Protect your wages and assets with a skilled litigator.

The choice of an attorney is an important one and should not be based solely upon advertisements.