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Teague & Associates, LLC
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Florissant, MO 63031
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Archive: Jul 2017

  1. Know Your Options to Stop Garnishment with a Bankruptcy Attorney in Florissant

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    Stop Garnishment with a Bankruptcy Attorney in Florissant

    If you are suffering from a financial hardship, more often than not it will just become more and more difficult to pay your debts. Often times in life, unexpected hardships arise from changes to relationships, employment, medical expenses, child support payments and even back taxes that are owed, among other things. When these amounts become overdue, a court can issue an order for your wages to be garnished to pay this money. Your employer will deduct a specified amount of your paycheck to pay your debts. Should this happen to you, it would be beneficial to stop garnishment with a bankruptcy attorney in Florissant.

    If you are currently dealing with a financial crises, know that you have options. One may be to negotiate with the creditor and set up a payment plan to be able to meet your financial obligation. If this is enough to satisfy your creditor, he can request that the wage garnishment cease. Another choice is to object to the garnishment in court and claim exemptions based upon financial difficulties. You must provide documentation of your inability to pay for basic living expenses if your wages are reduced. In this case, a smaller garnishment is generally taken so that you can meet all your obligations. Exemptions typically come from income from social security, retirement and alimony.

    Filing for bankruptcy is a final option that should only be utilized as a last resort. When your debts are overwhelming, this may be best for you, but an attorney can provide valuable insight as to your individual situation.

    Do not try to navigate this often confusing process alone. Stop garnishment with a bankruptcy attorney in Florissant by calling Teague & Associates, LLC, at (314)899-4499.

  2. Streamline Your Debts with a Chapter 13 Bankruptcy Attorney in St. Charles

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    Chapter 13 Bankruptcy Attorney in St. Charles

    When debts become overwhelming, it can be tempting to just hope that they go away – but we all know that isn’t going to happen. The longer that bills go unpaid, the more aggressive your creditors will become. Rather than risk losing it all and taking the chance of not being able to recover, consider seeking professional help. One of the optionjs available to you when your debt is no longer manageable is to file for bankruptcy. Filing bankruptcy can help you with such nondischargeable debts as student loans, overdue house payments and income taxes. A qualified Chapter 13 bankruptcy attorney in St. Charles can give you guidance on how to proceed.

    Chapter 13 bankruptcy, also known as reorganization, can streamline your debts into a 3-5 year payment schedule. After your household expenses are paid each month, you can utilize your discretionary income (money left over after bills are paid) to pay on your monthly payments toward your bankruptcy plan.

    Nondischargeable debts additionally include specific property taxes, child and spousal support, monies owed to the government, secured loans, fraud debts, retirement/pension loans, debts from some injuries or deaths and some homeowners’ or condo association fees or dues.

    When you have taken the steps to file for Chapter 13 bankruptcy, creditors are limited in their options toward you. They will be unable to collect any money from you or pursue any collection activities against you and some late penalties and interest will not be accrued. This allows you to “catch up” on missed payments for vehicles or your home and you will be able to lower your monthly notes on credit cards, medical bills and personal loans.

    Schedule a private consultation with a Chapter 13 bankruptcy attorney in St. Charles at Teague & Associates, LLC, by calling (314)899-4499. Our years of experience helping people from all walks of life and financial crises will be able to help you make a positive difference.

  3. Learn How to Stop Repossession with a Bankruptcy Attorney in O’Fallon

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    stop repossession with a bankruptcy attorney in O’Fallon

    A vehicle repossession or home foreclosure can be an overwhelming experience. Being unable to keep up with financial obligations can leave you feeling that you have nowhere to turn. However, there are some steps that you can undertake to keep this unfortunate situation from happening. Before you do anything else, you must stop repossession with a bankruptcy attorney in O’Fallon. This type of legal representation can advise you on what to do and how to do it depending upon your particular situation. It may be that you should consider filing bankruptcy, or there may be other choices available to you.

    A bankruptcy attorney may recommend that you:

    • Pay the mortgage arrears either in full or via a determined payment plan.
    • File Chapter 13 or Chapter 7 bankruptcy. Choosing between the two options depends on your income, debts, assets, and financial goals. Both have their own sets of pros and cons that a bankruptcy lawyer can explain to you in detail.
    • Pay as much as possible of the mortgage every month. Depending on your situation, this may be a smart move as you try to navigate the bankruptcy.
    • Sell your home quickly and buy another one that is not as expensive to try and alleviate some of the financial debt.
    • Sell your house to another individual and rent it from them , allowing you to keep a place to live while also reducing your monthly spend.
    • Pay the mortgage amount in arrears by refinancing with a mortgage that is interest-only.
    • Pay off your mortgage debt and sell the property through a dependable real estate agent.

    The suggestions for a vehicle with delinquent payments are usually similar to that of a mortgage, but you should never assume and always rely on experienced legal counsel.

    Consult the legal team at Teague & Associates, LLC for guidance about the best way stop repossession with a bankruptcy attorney in O’Fallon. Call (314)899-4499 to schedule a personal consultation to go over your case. Our understanding and expertise can keep your property from being taken away from you.

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