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Teague & Associates, LLC
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580 N. Hwy 67, Suite 6
Florissant, MO 63031
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Archive: Jan 2018

  1. How to Hire a Bankruptcy Attorney in Florissant

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    bankruptcy attorney in Florissant

    It is, unfortunately, more common than ever before to need to file for bankruptcy. In 2016 alone, nearly 800,000 people filed for bankruptcy in the United States. If you find yourself in over your head with debt and are desperately wondering what you should do, engaging a bankruptcy attorney in Florissant can help you understand your options and where you stand financially.

    How does someone go about finding a bankruptcy lawyer? Adhering to the following steps is a smart move:

    • Do a little research into bankruptcy attorneys in your area. Make a list. Get recommendations from friends, browse the phone book or look online.
    • Refine your list by checking out a few of your choices. Be sure that the lawyer you choose is licensed to practice law and has experience in handling issues associated with bankruptcy.
    • Schedule a personal consultation with a few lawyers and discuss your situation. These usually take 30 minutes or so and are typically offered free of charge by reputable attorneys. It is important to feel comfortable and confident in your selection. Be ready to present your documentation and financial information, have a list of questions to ask and be prepared to honestly answer some questions from the lawyer. Take notes and be sure to talk about fees so you will know what to expect in advance.
    • Using the information you have gathered, and after taking into account your impressions about each attorney, make the most informed choice about your legal representation. Consider the lawyer’s communication skills, whether you feel you can trust this person, and the fees you will be charged.
    • After hiring your attorney, work with him or her on your case, as required. Present up-to-date information, be easily accessible, have reasonable expectations, obtain copies of documentation and maintain your own records, ask about anything you do not understand and follow instructions when given.

    To speak with a professional bankruptcy attorney in Florissant at Teague & Associates, LLC, call or text (314)899-4499 to learn how our specialists can assist you with your financial difficulties.

  2. You Can Stop Judgment with a Bankruptcy Lawyer in St. Louis

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    stop judgment with a bankruptcy lawyer in St. Louis

    Have one or more of your creditors filed a judgment against you? Are you wondering what the next step is in the legal process, and how it will involve you? When a judgment is issued against you this means that your wages may be taken from you, or money removed from your bank account, to pay your debts. Since you are already suffering financial difficulties, losing these funds upon which you depend can be devastating. There is a chance, however, that you may be able to stop judgment with a bankruptcy lawyer in St. Louis.

    You really should not attempt to manage a judgement on your own. An experienced lawyer will certainly be able to help you navigate this stressful and consequential ruling to help you obtain the best possible outcome. Without the guidance of a lawyer, you may end up missing deadlines or other requirements that can be of great detriment to your case.

    A knowledgeable litigator provides guidance concerning a judgment ruling. One of the available options includes the possibility of a judgement reversal. If you appear at your hearing but lose, you may be able to get a judgment reversal. The ruling can be appealed in your district appeals court. An attorney with experience in this area is the best person to address this case, as proper procedure must be followed.

    Learn more about how you might stop judgment with a bankruptcy lawyer in St. Louis by phoning or texting Teague & Associates, LLC., at (314)899-4499. We have helped hundreds of clients navigate and recover from these unfortunate circumstances, and we will look forward to helping you, as well. Let our experience go to work for you.

  3. Are You Facing Foreclosure? Contact a Bankruptcy Attorney in St. Charles

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    Stop Foreclosure with Bankruptcy Attorney in St. Charles

    When you are behind on your mortgage payments, it may seem that your only option is to foreclose. Fortunately, however, there may be another possibility available to you. To outline all your choices and for guidance in determining what would work best in your situation, move to stop foreclosure with a bankruptcy attorney in St. Charles.

    Most programs are administered through HUD and the US Treasury Dept. They include:

    • The MHA, or Making Home Affordable Program, allows homeowners to lower their scheduled mortgage payments and get loans at current lower rates.
    • You may be able to refinance or otherwise modify your mortgage for lower payments via several different plans (HARP – Home Affordable Refinance Program, PRA – Principal Reduction Alternative, 2MP – Second Lien Modification Program and HAMP – Home Affordable Modification Program). Each has its own requirements for qualification.
    • If you owe more than your home is worth, you may qualify for HARP – Home Affordable Refinance Program, FHA2LP – Treasury/FHA Second Lien Program or PRA – Principal Reduction Alternative.
    • If you are unemployed, you may be able to utilize the EHLP – Emergency Homeowners’ Loan Program, acquire an FHA Special Forbearance or be eligible for UP – Home Affordable Unemployment Program.
    • If you cannot afford your mortgage and are interested in affordable housing, you may look into HAFA – Home Affordable Foreclosure Alternatives or a redemption, where you can reclaim your house during a certain period after it has been sold under foreclosure.

    There is a great deal of information available about foreclosure and other choices that may work in your situation. If you wish to try to stop foreclosure with bankruptcy attorney in St. Charles, speak with a professional at Teague & Associates, LLC., by calling or texting (314)899-4499.

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