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Category Archive: Blog

  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.

  3. Important Questions to Ask your St. Charles Bankruptcy Lawyer

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    Important Questions to Ask your St. Charles Bankruptcy Lawyer

    Are you looking for a bankruptcy lawyer in St. Charles? Looking for the right lawyer can be stressful if you aren’t sure exactly what you need. Let Teague & Associates alleviate your concerns by helping you navigate through bankruptcy by hiring the right attorney for you and your personal situation. If you’re considering hiring a bankruptcy lawyer, there are some things you should think about before jumping right in. 

    Don’t be scared to ask your potential attorney questions before you hire them. It can be intimidating at first, but It’s essential that you fully understand the legal process and financial cost before you hire your bankruptcy lawyer. Here are some critical questions to ask:

    • What is your fee structure?
    • What should I expect to pay?
    • Is bankruptcy law your specialty?
    • How many bankruptcies do you file per year?
    • Do I qualify for a chapter 7 bankruptcy or do I need to file for chapter 13? 
    • If you file for chapter 13, be sure to ask how much your monthly payment will be.

    After getting the answers to the above questions, you will feel more empowered in your bankruptcy case. It’s crucial to find out as much as you can about the process before you begin the bankruptcy proceedings with your attorney.

    At Teague & Associates, we can help you get back on the right financial track. We are experienced and want to make sure you are comfortable and confident in your next financial decision. If you’d like to ask questions or are looking for a bankruptcy lawyer in St. Charles call us at (314) 899-4499.

     

  4. Resolve Your Debts with Help from a Chapter 7 Bankruptcy Attorney in O’Fallon

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    Resolve Your Debts with Help from a Chapter 7 Bankruptcy Attorney in O'Fallon

    If you have mounting debts and no reasonable way to resolve them, you should talk to a Chapter 7 bankruptcy attorney in O’Fallon.  A lawyer who specializes in debt solutions can offer guidance about how you can handle debtors and take care of the money you owe.

    Bankruptcy is a serious decision that does have some benefits. It offers fast relief from most of your debt, eliminates harassing phone calls and garnished wages, recovers a suspended driver’s license, prevents utility shut-off, retrieves credit card and banking access, stops or delays foreclosure of your home, avoids vehicle repossession, and offers a new financial start in life.

    If you are unsure about whether it would be to your advantage to file bankruptcy or utilize another option to take care of your debts, reach out to a lawyer for assistance. Contact an experienced Chapter 7 bankruptcy attorney in O’Fallon at Teague & Associates at (314) 899-4499 to schedule a complimentary consultation to discuss your case. We can help you address your financial situation.

  5. How to Hire a Bankruptcy Attorney in St. Louis

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    How to Hire a Bankruptcy Attorney in St. Louis

    Filing for bankruptcy may sound overwhelming, but sometimes it is the best option.  It is hard to accept that you are financially upside-down and may wonder what to do, but help is available. Talk with an experienced bankruptcy attorney in St. Louis to go over your options. See what steps will resolve your situation with as little mess as possible.

    How can you find a bankruptcy lawyer? Follow these steps:

    • Find a lawyer that is licensed and handles bankruptcy issues.
    • Schedule a private consultation and talk with them about your situation. Be prepared to show documentation and financial information, make a list of questions to ask and be honest when answering questions from the attorney. Take notes and discuss fees so you will know what to expect.
    • After you engage your attorney, you may be required to contribute additional paper work. Provide current information and be easily accessible when needed. Have reasonable expectations, obtain copies of documents and keep your own records. Don’t forget to ask questions if you don’t understand something and follow instructions.

    Contact a bankruptcy attorney in St. Louis at Teague & Associates, LLC, at (314) 899-4499. We offer guidance and knowledge throughout the bankruptcy process and will you started in the right direction, to get your financial life back on track.

  6. Stop Foreclosure with a Bankruptcy Attorney in Chesterfield

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    Stop Foreclosure with a Bankruptcy Attorney in Chesterfield

    Just going through everyday life can bring about sudden change and adversity. If you find that having enough money becomes an issue and you are in arrears on your mortgage, it does not take long for things to escalate. You may be in danger of forfeiting your home. If you have missed three or more mortgage payments or a default has been filed against your property by your lender, your house can begin to be foreclosed on. There are ways to prevent this from happening. Learn how to stop foreclosure with a bankruptcy attorney in Chesterfield.

    • You may be able to reach an arrangement with your lender before your home is put up for auction. This is known as a foreclosure workout.
    • A buyer can purchase your home before the auction takes place. Finding a buyer yourself can avert foreclosure and saves the lender money and time.
    • Foreclosure proceedings stop immediately if you file bankruptcy. Federal law prevents collection proceedings after bankruptcy is initiated.
    • Sign your deed back over to the mortgage lender. This is referred to as a “deed in lieu,” and lenders do not usually prefer this option. There are sometimes complications that they do not want to handle. Note that a deed in lieu does affect your credit rating in a negative way.
    • Your lender may permit someone to assume your loan or lease your property. Your loan will likely have to be altered in these scenarios.

    Bankruptcy and foreclosure can be stressful and complicated. Legal specialists with the skill and experience in these types of situations and similar cases can provide welcome guidance. Contact Teague & Associates, LLC, at (314) 899-4499 to stop foreclosure with a bankruptcy attorney in Chesterfield.

  7. How To Stop Foreclosure With A Bankruptcy Lawyer in St. Charles

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    Foreclosure threats are many things: stressful, overwhelming, and frightening. If your property is under threat of foreclosure, it may seem like there are no options to delaying or preventing it from happening. Before you decide what you need to do in your situation, know that you have options. Our team at Teague & Associates, LLC, can advise you on how to delay or even stop foreclosure with a bankruptcy lawyer in St. Charles.

     

    Going to a lawyer for advice on your foreclosure is prudent. Not only can an attorney advise on you on whether to file for Chapter 7 or Chapter 13 bankruptcy to keep your home or postpone foreclosure, but they can evaluate your situation with an objective eye and keen knowledge of the law to find options that give you peace of mind in this difficult situation.

     

    Foreclosure takes time, usually several months, to complete, and that is after several failed attempts at timely mortgage payments. When you can, of course, do your best to meet your mortgage obligation. However, in the event of hardship, a bankruptcy filing can aid in relieving your debt. Filing for bankruptcy requires all creditors to temporary stop attempting to collect payments from you, which can give you time to come up with a plan and let you keep your home in the meantime.

     

    If you wish to keep your home, filing Chapter 13 bankruptcy allows you to set up a payment plan in arrears. To do this, you need to pay your past due amount at the same time as your current payment, but this is one way to prevent foreclosure and let you continue to make payments on your home.

     

    When you need carefully-considered guidance on your options in foreclosure and bankruptcy filings, you need a lawyer who specializes in these situations and stands ready to assist you. Call Teague & Associates, LLC, today at (314) 899-4499 to find out more about how you can stop foreclosure with a bankruptcy lawyer in St. Charles.

  8. How to Stop Garnishment with a Bankruptcy Attorney in O’Fallon

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    How to Stop Garnishment with a Bankruptcy Attorney in O'Fallon

    Are your financial problems getting worse instead of better? Have you done everything you can to resolve your money issues? If you have answered “yes” to these questions, it is time to get some help. Unfortunately, there are times when things happen to max out your budget, like job loss, unanticipated medical expenses or even a relationship change. These situations can quickly deplete your savings and can cause you to get behind on payments. Your debtors can file a petition in court to have some money taken out of your wages each pay period to help pay the amount in arrears. If this fits your circumstances, take steps to stop garnishment with a bankruptcy attorney in O’Fallon.

    You do have some options if your finances are uncontrolled. It may be possible to talk with your creditors to work out a repayment schedule. If the debtor agrees, they can stop garnishing your paycheck. You can also challenge the garnishment in court and claim exemptions based on your financial state. There must be documentation that identifies your failure to pay for standard living expenses if your income is reduced. This often leads to a smaller garnishment. Social security, alimony and retirement incomes are common exemptions.

    When debts are overwhelming, for any reason, bankruptcy may truly be the best option. A bankruptcy attorney can offer guidance based on your circumstances.

    Stop garnishment with a bankruptcy attorney in O’Fallon by contacting the knowledgeable legal team at Teague & Associates, LLC, at (314) 899-4499. We will be happy to make an appointment for you to sit and discuss your finances with one of our lawyers. Let us assist you with your debt problems.

  9. The Best Way to Stop Garnishment with a Bankruptcy Lawyer in Florissant

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    The Best Way to Stop Garnishment with a Bankruptcy Lawyer in FlorissantWhen you are facing bankruptcy, garnishment can have several meanings and effects on your life. Garnishment can be embarrassing, life-altering, as well as complicated. Although you are having financial struggles, you do not have to put up with pushy and sometimes unpleasant creditors. Find out the best ways to stop garnishment with a bankruptcy lawyer in Florissant.

    A well-informed and skilled bankruptcy attorney can aid clients in stopping debtors and creditors from repossessing your property, garnishing your wages, and any other form of aggravation that isn’t crucial. While you may be faced with severe financial issues, you do have options available.

    The legal professionals at Teague & Associates understand the complexities and challenges that go along with repossession, bankruptcy, garnishment, and everything else associated with it. However, we are here to help you take care of your debts, pay your bills, and restore a sense of financial balance so that you can enjoy life once more.

    Stop getting hounded by creditors and financial institutions by taking a stand against garnishment today. We offer competitive legal rates and are ready to help clients secure economic freedom again.

    For more information about how to stop garnishment with a bankruptcy lawyer in Florissant, contact the team at Teague & Associates, LLC, at (314) 899-4499. We are here to offer the help and guidance needed to get you through this difficult time.

  10. How Can a Bankruptcy Lawyer in Chesterfield Help Me?

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    How Can a Bankruptcy Lawyer in Chesterfield Help Me?bankruptcy lawyer in Chesterfield is an attorney who specializes in bankruptcy law. They work with individuals who are thinking about filing bankruptcy to resolve their debt problems. Your lawyer will ensure that all procedures are completed correctly and offers guidance on the best way to handle the situation.

    Declaring bankruptcy is not as simple as it may sound. Laws dictate which type of bankruptcy you are eligible for and your attorney will help you decide which one is applicable for you. There are two primary kinds of bankruptcy, chapter 7 and chapter 13. Each one follows its own specific guidelines and procedures. After you and your attorney determine which will work best for you, your lawyer will begin the paperwork. Documentation such as client debt, assets, proof of income and banking information is used to justify your claim and its validity with the court.

    You and your attorney will complete all necessary steps and procedures and meet with your creditors. They will also serve as a liaison between you and the court and make certain that you understand exactly what the process is and work with you through it from beginning to end. Your options are outlined for you and will see if a payment schedule can be worked out instead of liquidating your assets. Your attorney’s experience and expertise in this area are invaluable. They will make sure that the process flows as smoothly as possible and that there are no surprises.

    For the advice of a bankruptcy lawyer in Chesterfield, contact the attorneys at Teague & Associates, LLC, at (314) 899-4499. We are ready and able to help you during this difficult time.

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