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Archive: Oct 2019

  1. How a Chapter 7 Bankruptcy Attorney in Chesterfield Can Help You

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    How a Chapter 7 Bankruptcy Attorney in Chesterfield Can Help You

    Are you looking for a Chapter 7 bankruptcy attorney in Chesterfield that can help you choose the best options for your needs? Teague & Associates, LLC wants to work with you, so you understand all of the bankruptcy options available to you and how you benefit from each. If you wish to put a stop to garnishment or repossession, we work with you so that you can maintain stability. We know that bankruptcies are challenging to navigate for a variety of reasons, and we’re here to help you create opportunities for you to get back on your feet.

    There are several reasons that debtors prefer Chapter 7 bankruptcy when they can meet the requirements. Here are just a few things you can expect if you file for a Chapter 7 bankruptcy to discharge your debt:

    • Get a fresh start. While Chapter 7 doesn’t cover all types of debt, like student loans, child support, alimony, or some taxes, getting a variety of debts discharged can help free you from a great deal of personal liability.
    • Keep more money. The property you acquire after filing for bankruptcy is generally not included in the bankruptcy filing. Keep in mind, though, that specific properties that are received within six months of filing can become a part of the bankruptcy estate. This can include items like inherited property, property from a divorce settlement or decree, death benefits, or life insurance proceeds.
    • No limits and no repayment plans. Chapter 7 bankruptcy does not have an upper limit on the amount of debt of filer can have, unlike Chapter 13 bankruptcy, where the debtor can be deemed ineligible if secured or unsecured debt exceeds certain limits. Discharged debt does not have to be repaid because they’re no longer responsible for payment. Better still, debt discharges can occur in as little as 90 days!

    When you need a Chapter 7 bankruptcy attorney in Chesterfield that genuinely cares about getting you a fresh start, Teague & Associates, LLC is only a phone call away from providing you with excellent service. For more information about our bankruptcy services, or to schedule a consultation with our legal professionals, call our team today at (314) 899-4499.

  2. Stopping Foreclosure With A Chapter 13 Bankruptcy Attorney in Maryland Heights

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    Stopping Foreclosure With A Chapter 13 Bankruptcy Attorney in Maryland Heights

    Are you a homeowner facing a potential foreclosure? Filing for bankruptcy is a stressful experience, but with the right help, it doesn’t have to be. The team at Teague & Associates, LLC is ready to help you whenever you need a chapter 13 bankruptcy attorney in Maryland Heights.

    A chapter 13 bankruptcy filing can offer a variety of benefits, as it is designed to help debtors repay their dues over several years, usually between three and five depending on earned income. Sticking to your payment plan can also cure delinquent mortgage payments over time. Chapter 13 filings only show up on your credit report for seven years, as opposed to a chapter 7 filing, which lasts for ten years in your credit history. You can also be given more leeway to make up for missed payments with a chapter 13 filing.

    Under a chapter 13 bankruptcy, you can reschedule secured debts, except for a mortgage for your primary place of residence, and extend them throughout your plan. This process gives you up to five years and potentially lower payments so you can hit your debt clearing goals without being overwhelmed. Chapter 13 also features a provision that can protect co-signers who are liable with the debtor on what are considered “consumer debts.” Overall, the chapter 13 plan keeps things simple: you make plans to a trustee, who then distributes those payments to creditors on your behalf.

    When you need reliable assistance with your bankruptcy filing, the professionals at Teague & Associates, LLC are just a phone call away from putting you in touch with a chapter 13 bankruptcy attorney in Maryland Heights. For more information about chapter 13 bankruptcy and how it can help you put a stop to foreclosure proceedings, give us a call at (314) 899-4499 today.

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