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Navigating Financial Struggles with the Help of a Chapter 13 Bankruptcy Lawyer

Fri, 27 Oct 2023 08:26:00 GMT

Life is a series of unpredictable events. Financial struggles can happen to anyone, and sometimes it becomes overwhelmingly difficult to get back on track. If you find yourself sinking under the weight of debt and financial responsibilities, you’re not alone. We at Teague & Associates understand that declaring bankruptcy is a big step, and it’s one that should not be taken lightly. That’s why you should consider consulting a Chapter 13 Bankruptcy Lawyer to help guide you through this complex process.

Why Choose Chapter 13 Bankruptcy?

Chapter 13 bankruptcy is often known as the “wage earner’s plan.” It allows individuals with a regular income to create a plan to repay all or part of their debts over a period of three to five years. This option gives you a chance to retain your assets, such as your home or car, as you make payments under the plan. Unlike Chapter 7, which liquidates your assets to pay off debt, Chapter 13 provides an opportunity to safeguard what you’ve worked hard to attain.

The Role of a Bankruptcy Lawyer

Filing for bankruptcy involves many intricacies that may be difficult to understand without legal expertise. As your trusted legal advisors, we can help you:

Evaluate Your Financial Situation: We’ll thoroughly assess your debts, income, and expenses to determine if Chapter 13 bankruptcy is the best route for you.
Prepare and File Documents: Bankruptcy comes with a slew of paperwork, and missing a single document could jeopardize your case. We ensure that all documentation is complete and filed correctly.
Representation in Court: Your presence will be required at meetings and hearings during the bankruptcy process. We’ll be there with you, advocating on your behalf to ensure that the repayment plan is fair and manageable for you.
Guidance and Advice: We’ll walk you through every step of the bankruptcy process, explaining each part to ensure you fully understand what’s happening and what your responsibilities are.

Finding Relief and Rebuilding Your Financial Future

Bankruptcy is not the end but rather a fresh start. With proper planning and the right legal assistance, you can work to regain your financial stability and peace of mind. At Teague & Associates, we don’t just view our clients as cases but as individuals in need of support and guidance.

How a Chapter 7 Bankruptcy Attorney Can Help You

Sun, 15 Oct 2023 01:26:32 GMT

Are you looking for a Chapter 7 bankruptcy attorney 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 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 .

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

How A Chapter 7 Bankruptcy Lawyer Can Help You Regain Financial Control

Wed, 04 Oct 2023 08:23:57 GMT

Facing financial difficulties is stressful, disheartening, and can often feel like an endless cycle of debt. At Teague & Associates, we understand how overwhelming it can be when your financial obligations seem impossible to meet. The anxiety over calls from creditors, looming debts, and the fear of losing your assets can be debilitating. As a Chapter 7 Bankruptcy Lawyer, we specialize in helping you find relief from your debt through the Chapter 7 bankruptcy process, enabling you to start anew.

The Importance of Professional Legal Guidance

Bankruptcy is a complex legal procedure that involves many intricate laws and regulations. It’s a serious decision that can affect your credit, property, and future financial dealings. You should never go through it alone. Our team at Teague & Associates offers comprehensive guidance and expertise to ensure you are making informed decisions every step of the way.

The Chapter 7 Bankruptcy Process

Chapter 7 bankruptcy allows for the discharge of most unsecured debts, giving you a clean slate. The process typically takes 4-6 months to complete and starts with filing a petition with the bankruptcy court. Shortly after filing, an automatic stay is activated, stopping most collection actions against you, including calls from creditors and wage garnishments.

Our firm helps you assemble the necessary documents, such as lists of assets and liabilities, a statement of financial affairs, and details of your income and expenditures. After filing, a court-appointed trustee will manage the sale of your non-exempt assets to repay your creditors. Usually, many of your assets will be considered exempt, meaning they cannot be sold off to repay debts.

How We Help You Rebuild

Once the bankruptcy process is complete, your unsecured debts are typically discharged, freeing you from the obligation to repay them. Although your credit score will take a hit initially, filing for Chapter 7 bankruptcy often offers a quicker route to rebuilding your financial life as compared to the long-term struggle of carrying a burdensome debt load.

We guide you through the process of rebuilding your credit and give you the tools and advice you need to prevent falling into a similar financial situation in the future. Our support extends beyond the courtroom, and we aim to be a partner in your journey toward financial stability.

Let Us Help You Take the First Step

Filing for bankruptcy is not an admission of failure; it is a step towards reclaiming your financial freedom. It’s okay to ask for help when you need it. With over a decade of experience, we have guided hundreds of clients through the Chapter 7 bankruptcy process. We provide not only legal advice but also emotional support and a clear roadmap for a fresh financial start.

If you find yourself in financial distress and are considering filing for Chapter 7 bankruptcy, we invite you to reach out to us at Teague & Associates. Our goal is to give you peace of mind as we help you navigate through these challenging times. For a consultation, please call us at (314) 899-4499 . As your Chapter 7 Bankruptcy Lawyer, we are committed to helping you regain control of your financial life.

Learn How To Stop A Judgement Using The Right Bankruptcy Attorney

Fri, 11 Aug 2023 08:16:48 GMT

Overwhelming debt takes a toll on your finances and your peace of mind. Declaring bankruptcy can help alleviate many of your troubles, but it also creates another set of essential conditions for you to consider. Navigating through bankruptcy on your own can be overwhelming, and you don’t want to make poor choices throughout the process unknowingly. The best plan is to hire a competent bankruptcy attorney who will offer valuable guidance on the best practices for the most stress-free journey through bankruptcy court.

It is important to note that filing for bankruptcy does have far-reaching consequences. While eliminating your debts, you will also damage your credit and have the potential to lose some possessions. A bankruptcy attorney will aid you in having all of the information you need to make strategic choices for your situation. For example, you must get credit counseling before filing and verifying your income. Your lawyer will assist you in completing the necessary forms for the bankruptcy court.

Bankruptcy is often filed as either Chapter 7 and Chapter 13. The type of bankruptcy you file depends upon your income and your assets. A Chapter 7 bankruptcy takes about 12 weeks to complete and remains on your credit report for ten years while filing for Chapter 13 lasts 3-5 years and stays on your credit record for seven years. The thing to remember is that while there are pros and cons to filing for bankruptcy, legal counsel can make the difficult situation much easier to navigate.

Contact a bankruptcy lawyer at Teague & Associates, LLC, to learn more about your options for stopping judgement. Call us today at (314) 899-4499 to request a consultation and learn more about our available services.

You Might Be Able To Stop Repossession With Good Bankruptcy Attorney

Fri, 21 Jul 2023 08:08:55 GMT

If you live in Maryland Heights and you are filing for bankruptcy, the last thing you want is to deal with vehicle repossession on top of everything. Because debt puts your assets at risk, including any vehicles and homes, you want a reliable bankruptcy attorney to help with your case. Teague & Associates want you to know that we have the trusted attorneys you need to assist with this process.

Why Worry About Repossession?

Losing your vehicle could greatly impact your livelihood. However, filing for bankruptcy can stop a vehicle’s repossession when you go through the motions using the proper channels.

Some facts you may not know:

A bankruptcy filing immediately halts repossession – As you file, creditors have to stop all actions for collections, including repossession. Even if your creditor has been threatening to take your vehicle, we can help.
Keep your valued property – It is a myth that you have to forfeit all of your property when filing for bankruptcy automatically. The truth is that many people who file bankruptcy can prevent repossession and keep many assets permanently.

Talk with Our Trusted Team

Once Teague & Associates reviews your situation, we can determine which type of bankruptcy best suits your needs. We can also let you know if a bankruptcy alternative is a better choice. Our firm is well-versed in all bankruptcy options, with Chapter 7 possibly involving some property liquidation. However, a Chapter 13 filing will usually allow you to retain assets as you create a plan for debt repayment.

Call us for a free consultation!

Teague & Associates would like to talk with you if you hope to stop repossession. Reach a qualified bankruptcy attorney by calling (314) 899-4499 .

Stop Garnishment With The Help Of A Bankruptcy Lawyer In St. Charles

Fri, 16 Jun 2023 08:06:17 GMT

Whenever a creditor uses wage garnishment to recover a debt, it can be challenging to cover your regular living expenses. Navigating this time in your life can be difficult, but rather than having someone take a percentage of your paycheck, you could stop garnishment with a bankruptcy lawyer. Teague & Associates is here to guide you through this process and go over whether or not bankruptcy is an option that works for your particular situation.

Why Bankruptcy?

Many people do not realize instances when bankruptcy could be a smart option when financial woes strike. Filing for bankruptcy can stop a variety of garnishment types, but it could also eliminate other debts simultaneously.

Once a bankruptcy case gets filed, a court order (or injunction) goes into effect, known as an automatic stay. This stay in place prohibits many creditors from continuing or taking actions to collect related debts, including stopping or preventing any garnishment in place. The underlying debt also gets erased.

Keep in mind that while an automatic stay can be a powerful tool to have, it is never absolute. Automatic stays could last for just 30 days if you have filed bankruptcy more than once, or you might not be able to get the stay put in place at all.

When Bankruptcy Won’t Work To Stop Garnishments

Automatic stays might not apply to all types of debts or all creditors. For example, a stay cannot stop a garnishment when:

a Chapter 7 case gets filed, and
the related debt is for domestic support obligations, including alimony or past-due child support

Are you looking to stop garnishment with a bankruptcy lawyer? Talk with our team at Teague & Associates – call (314) 899-4499 today, and we can set up a free consultation.

With A Good Bankruptcy Attorney, Webster Grove Residents Could Stop Garnishment

Fri, 21 Apr 2023 08:04:28 GMT

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 budgets, like job loss, unanticipated medical expenses, or even a relationship change. These situations can quickly deplete your savings and cause you to get behind on payments. Your debtors can file a petition 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.

You do have some options if your finances are uncontrolled. Talking with your creditors to work out a repayment schedule may be possible. 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 genuinely be the best option. A bankruptcy attorney can offer guidance based on your circumstances.

Stop garnishment with a bankruptcy attorney by contacting the knowledgeable legal team at Teague & Associates at (314) 899-4499 . We will happily arrange for you to sit and discuss your finances with one of our lawyers. Let us assist you with your debt problems.

Area Residents Could Stop Judgment With The Right Legal Support

Fri, 24 Mar 2023 08:01:29 GMT

It is never to late to begin filing bankruptcy on a judgment. That being said, you must know there can be consequences if you wait to file after you receive the judgment. If you are struggling with debt issues, it might be best to seek assistance from a qualified bankruptcy attorney to stop a judgment sooner than later.

Talking With A Bankruptcy Lawyer

Bankruptcy is a process that can sometimes get complicated, especially when you have issues involved like a property lien. It is better to speak with a qualified attorney that knows all of the bankruptcy laws. Doing so will help you to learn all available options and the right steps to take to protect yourself and your property. The right attorney will be there to explain all courses of action to help determine if bankruptcy is the right debt relief option available to you.

What Happens After A Bankruptcy Case Concludes?

Any debtor that got a discharge could choose to voluntarily repay their discharged debt – even if it is not able to be legally enforced any longer. There are some situations a debtor will agree to repay because it might be owed to a family member. The situations vary.

Collection Of Judgments By Creditors

Many judgments get their start as a lawsuit. Ignoring a lawsuit could mean a judge issues a default judgment. You can fight it, but it might result in a judgment against you should you lose the suit.

After a party has a judgment against you, additional legal actions might be required to collect the debt. While this process may come with many questions, hiring a knowledgeable attorney will know how to take it one step at a time.

Call Teague & Associates at (314) 899-4499 to learn how you could stop a judgment with a qualified bankruptcy lawyer.

Top Reasons To Hire A Trusted Chapter 7 Bankruptcy Attorney

Fri, 03 Mar 2023 07:59:52 GMT

Dealing with bankruptcy will not be pleasant. However, it might be necessary in some cases as a better alternative to settle the debt without leaving a permanent blemish on your credit history. It would be best if you always talked to a reputable Chapter 7 bankruptcy attorney for assistance when pondering this route.

Understand What Chapter 7 Means

It is important for anyone thinking about filing Chapter 7 to understand what it means and how to file if you want to put yourself in a better situation moving forward. This process can be challenging for anyone unfamiliar with bankruptcy law. Choosing a good bankruptcy attorney is a good way to know you will have the guidance and support as you file.

When is the Best Time to File?

If you find yourself financially stricken, filing a Chapter 7 could be a good option depending on your situation. It can help some people get over unpaid medical bills, issues with a repossessed vehicle, or possibly remove back taxes.

Our team here at Teague & Associates is happy to meet with you to discuss your unique situation to determine if Chapter 7 is your best avenue or if another option is better suited to your needs.

Why Do I Need an Attorney?

Many people are not familiar with the process of filing bankruptcy. An attorney with experience in bankruptcy law understands court procedures and all the corresponding documents necessary for such a filing. It is often risky to tackle such a major step financially, so working with our friendly and knowledgeable team at Teague & Associates will give you the support you need.

When you want guidance while navigating your case, you need a trusted Chapter 7 bankruptcy attorney. Call Teague & Associates at (314) 899-4499 .

Finding The Right Chapter 13 Bankruptcy Attorney

Fri, 27 Jan 2023 07:46:38 GMT

Nobody enters adulthood expecting to file for bankruptcy. However, we all have different financial journeys that may lead us to the need to ponder bankruptcy as an option. For some people, it might be confusing to determine which kind of bankruptcy to file or even the right way to initiate the process. If you are considering chapter 13 bankruptcy, having the right attorney in your corner could make a world of difference.

Teague & Associates Is Here To Help

Our bankruptcy attorneys are here with experience working through the legal system. Our expertise makes it more likely for our clients to be successful when filing a bankruptcy case.

To many, the word bankruptcy comes with many negative images. So much so that consumers often forget the purpose behind such a filing. These include:

Protection from various creditors
Relief from a portion or all of their debt obligations

When hiring a bankruptcy attorney, they help protect your assets from succumbing to debt collectors. They work to find the right way to free their clients from the financial responsibilities that caused them to fall into hard times, to begin with.

Can I File On My Own?

Known as pro se, you do have the ability to file for chapter 13 on your own. However, statistics show you will have a better result hiring a dependable attorney, regardless of the type of filing you choose.

When you find you soured your financial status and you need a fresh start, our bankruptcy attorneys are here to help protect you from debt obligations and creditors. All you have to do is set up a time for a consultation, and we can review your possible case to get started.

When you need a trusted chapter 13 bankruptcy attorney, look to Teague & Associates – call our offices at (314) 899-4499 for a consultation.

What A Bankruptcy Attorney Can Do For Your Looming Foreclosure

Sat, 14 Jan 2023 07:43:52 GMT

Are you facing a foreclosure? 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 delay or prevent it from happening. Before you decide what to do in your situation, know that you have options. Our team at Teague & Associates can advise you on how to delay or even stop foreclosure with a bankruptcy attorney.

Going to a lawyer for advice on your foreclosure is prudent. Not only can an attorney advise 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 challenging situation.

Know The Process

Foreclosure takes time, usually several months, to complete after several failed attempts at timely mortgage payments. When you can, 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 temporarily stop attempting to collect payments from you, which can give you time to devise a plan and let you keep your home in the meantime.

Will I Lose My Home?

If you wish to keep your home, filing for 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 today at (314) 899-4499 to find out more about how you can stop foreclosure with a bankruptcy attorney.

Stopping A Foreclosure With The Right Bankruptcy Lawyer

Thu, 22 Dec 2022 04:01:59 GMT

Foreclosure lawyers are experienced with the process and how to navigate the laws for their clients. If you risk losing your property due to foreclosure, you may want to speak with a bankruptcy lawyer with foreclosure experience. Teague & Associates want you to know that not all hope is lost, and we always help clients who wish to keep their homes despite financial hardships.

Investing in professional assistance for foreclosure and bankruptcy can improve your outcome and reduce costs overall. We have a dedicated team at Teague & Associates to help you fight for your home and ensure you have a result you can live with. With all the myths and misconceptions regarding bankruptcy and the process, it is nice to have experienced attorneys on your side.

Will Bankruptcy Stop a Foreclosure?

In many situations, filing for bankruptcy could help stop home foreclosure. Whenever you initiate a bankruptcy case it puts the wheels in motion, so creditors cannot proceed with collection activities toward you. While there is a stigma attached to bankruptcy filings, this is a safe alternative for people making genuine efforts to keep paying their mortgage but have an income shortage keeping them from achieving their promises.

How to File

You can begin the filing process by consulting with an experienced debt settlement or bankruptcy attorney. The right lawyer is there to help determine whether or not bankruptcy is your best option and ensure you know all the possible ramifications. We have knowledgeable attorneys who will review all filing options, ensure you have all paperwork in order, and review all possible outcomes for your unique case.

Chapter 7 could discharge other debt so that you can keep up with mortgage payments. As a result, your lender could permanently halt the foreclosure.
Chapter 13 allows debtors to reorganize finances and work on new payment terms with their lenders.

Call Teague & Associates at (314) 899-4499 to learn how to stop a foreclosure with one of our bankruptcy lawyers.

What Can A Chapter 13 Bankruptcy Lawyer Do You?

Fri, 04 Nov 2022 04:07:32 GMT

You might wonder why and when your troubles with finances call for bankruptcy. If it is Chapter 13 you are considering, there are many benefits from hiring a law professional to assist with the process. Many Chesterfield residents look to Teague & Associates when the need for a Chapter 13 bankruptcy lawyer arises.

Why Enlist the Help of a Chapter 13 Bankruptcy Lawyer?

There is a question that you should ask yourself:

Are you having to deal with expenditures and debts that you cannot maintain?

If you answer yes, it is time to consider a Chapter 13 filing. For someone with a steady income source but still has issues settling debt, this might be just the filing you need. With a lot of Chapter 13 plans, few debts can be liquidated. The rest get arranged as debt repayment so that you can work on paying back the creditors in a manner convenient to your current financial situation.

Chapter 13 could be helpful to you if:

You have current tax debts.
You are late repaying your mortgage or loans.
You have been through a Chapter 7 discharge within the last eight years.

Do I Need an Attorney When Filing Chapter 13?

As with any other legal matter, you can take on the filing and the process on your own. However, a Chapter 13 attorney knows the process and helps you design a solid repayment plan over a span of time. Doing so will help you to have a plan that preserves your property and fits in with your financial availability. This involves:

Development of a proper repayment plan
Prevention of foreclosure proceedings

Here at Teague & Associates, we are available for a consultation so that you can learn more about the Chapter 13 filing process and whether or not it is the best option for you. We are also happy to discuss what makes us the best firm to give you a leg up in this process.

Call (314) 899-4499 to talk with us at Teague & Associates if you are curious about hiring an attorney.

Hire A Respected Bankruptcy Lawyer To Stop Repossession

Fri, 07 Oct 2022 04:00:01 GMT

You use your vehicle for everything you need to go and do outside the home. It might mean driving to doctor’s appointments, getting to and from work, or bringing your children where they need to go. If you are currently going through bankruptcy and worried about repossession, you should look for the right lawyer to help you with your case.

The emotional and financial effects of vehicle repossession can bring immense stress to any family. If you have missed a payment, you should act fast and ensure all of your bankruptcy paperwork is in order with the help of an experienced professional who has been through this process with other clients.

The Car Repossession Process

When financing any vehicle, you agree to the lender keeping a lien on it until the loan gets paid in full. Missing these payments and falling behind gives your lender the right to repossess the vehicle. It is important to remember that:

The number of payments you are allowed to miss before the vehicle gets repossessed varies from one lender to another.
In some states, lenders will not need to send notice before repossessing a car.
The vehicle cannot get forcibly taken, such as you still being in the car or sitting inside your garage.

Did You Know? A Bankruptcy Filing Halts the Repossession!

Once you file Chapter 7 or 13 bankruptcy, an automatic stay gets put into place. All creditors, including your auto lender, get notified of the stay and can no longer contact you or begin measures to repossess your vehicle.

Hiring an experienced bankruptcy attorney will help you determine your best options based on your financial situation. Call Teague & Associates at (314) 899-4499 to set up a consultation with a bankruptcy lawyer to stop repossession.

Stop Judgment with a Bankruptcy Lawyer in St. Charles

Fri, 19 Aug 2022 03:57:08 GMT

If a creditor has successfully applied for a judgment against you or a family member, it’s critical to speak to an attorney as quickly as possible. A harsh legal decision has the potential to have a significant impact on you and your family’s life – it’s essential to stop it before it’s enacted. To stop judgment with a bankruptcy lawyer you need to choose a team with considerable legal experience.

If you owe a creditor money, they can seek a legal judgment and begin the process of reclaiming the debt. If you’re worried that a creditor will seize your assets, a bankruptcy attorney can help you stop the process in its tracks.

If you need to stop judgment with a bankruptcy lawyer, our team at Teague & Associates is ready to help. Our experienced attorneys have a proven track record assisting financially stressed individuals in avoiding the impact of a judgment. If you’d like to discuss your case with one of our lawyers, call us today at (314) 899-4499 .

Contact a Chapter 13 Bankruptcy Lawyer

Thu, 21 Jul 2022 03:53:15 GMT

Filing for bankruptcy is never a fun decision. It can be fraught with emotion, highly stressful and decidedly overwhelming. No matter what the reason for this situation, it is evident that your finances are severely strained, and you need guidance. A Chapter 13 bankruptcy lawyerconcentrates on working with you through the intricate process of debt reorganization.

Your attorney can handle many tasks that include the following:

During your first meeting, your bankruptcy lawyer will gauge your financial situation, determine your goals in filing bankruptcy and discuss options for financial relief that are available for you. Deciding if filing bankruptcy is the most appropriate proposal is covered, as well as payment plans and fees.
The plentiful forms concerning your petition for bankruptcy are prepared, typed and filed with the court.
From 4-6 weeks after the bankruptcy filing, you will be required to appear at the 341 meeting with your creditors. Your attorney will go over possible questions you may be asked.
There may be other mandatory court appearances or additional paperwork required by the bankruptcy court.
Your attorney will appear at a Confirmation Hearing to obtain court approval of your Chapter 13 bankruptcy plan and is also accountable for the defense of this arrangement. They will take care of any accompanying motions that may be necessary.

When your financial responsibilities become too much to overcome, call Teague & Associates, LLC, at (314)899-4499 to schedule a meeting with a skilled Chapter 13 bankruptcy lawyer.

Are You In Need of Finding Chapter 7 Bankruptcy Lawyer?

Fri, 10 Jun 2022 08:27:07 GMT

Finding the right chapter 7 bankruptcy lawyer can be challenging, especially while you are working to stabilize your personal finances. Fortunately, there is a law firm that you can turn to when garnishments, repossessions, and foreclosures threaten your financial freedom – Teague & Associates. Our chapter 7 bankruptcy lawyers will help you navigate this complex process and come out on the other side with a personalized debt solution.

In essence, a chapter 7 bankruptcy is a personal liquidation of assets that is used to pay back creditors. Though similar in its goals, it differs from chapter 13 bankruptcy in its emphasis on selling assets, rather than reorganizing debt. Once the professionals at Teague & Associates understand your goals and finances, they will be able to decide which bankruptcy option would be best for you.

That being said, you won’t lose all of your critical possessions if you file for chapter 7 bankruptcy. Often, chapter 7 cases are provided an upper threshold for asset sale value, allowing filers to maintain items such as their home. Though federal and state exemption lists differ, they typically include categories for a motor vehicle, a homestead (or home equity), and medical aides (the latter of which is usually fully exempt from sale).

There’s even more to know about chapter 7 bankruptcy, though. The qualified attorneys at Teague & Associates are ready to walk you through this process and answer any questions regarding the details of your upcoming chapter 7 bankruptcy filing.

When it comes to finding the right local chapter 7 bankruptcy lawyer, Teague & Associates should be your go-to option. Call us now at 314-899-4499 to schedule your first consultation.

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

Stop Foreclosure with Bankruptcy

Thu, 12 May 2022 02:51:39 GMT

Foreclosure has the potential to remove you from your family home permanently. For those facing foreclosure, it can feel as though there is nowhere to turn. Fortunately, in some cases, it is possible to stop foreclosure with a bankruptcy attorney.

Believe it or not, there are actually various tools you can use to prevent the effects of a foreclosure. While it’s not always possible to save your home, you might be able to work out an arrangement that prevents the foreclosure process from going forward. For example, if you declare bankruptcy before foreclosure proceedings, courts might block the foreclosure.

Additionally, we can help you reach an arrangement or agreement with your lender prior to your home being repossessed. We can also help you find a buyer that can purchase your home for its true value, which can prevent the potential ramifications of a foreclosure and house auction.

In some cases, borrowers can lease out their properties or have a third-party assume their loan. While this can be a complicated process, using an experienced bankruptcy attorney can help simplify the arrangement.

No matter what type of foreclosure situation you are facing, it’s always critical to seek clarity. If your lender is applying pressure to you or your family, an attorney can help you understand your rights and alleviate stress. There’s no reason to face complex debt issues without an experienced partner by your side.

If you’re trying to stop foreclosure with a bankruptcy attorney, it’s critical to choose the right firm. At Teague & Associates, we have considerable experience helping our client base fight foreclosure cases in and out of the courtroom. If you fear you are at risk of foreclosure, call our team today at (314)899-4499 .

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

Stop Garnishment

Tue, 19 Apr 2022 02:57:02 GMT

If you’ve found yourself in a position where you can’t pay your debts, your creditors have a range of avenues they can use to recuperate their money. Wage garnishment is a tool that many creditors use to guarantee the return of their money – it’s a process in which money will automatically deduct from your wages. If a wage garnishment judgment has been decided against you, it’s time to stop garnishment.

While wage garnishment sounds like a good repayment method in principle, it can be devastating for a family. If you cannot afford to lose the amount of money that is taken from your wages, it could put you into further financial difficulties.

A skilled bankruptcy attorney can negotiate with your creditors to reduce your garnishment obligations. By setting up a payment plan that is in line with your financial circumstances, you may be able to satisfy your creditors without causing yourself additional financial problems. In some cases, the debt might not be legitimate. If this is the case, an attorney can dispute the debt and seek for it to be relieved by the court. If you are being hassled because of a debt that is not yours, it’s essential to dispute it.

Lastly, if you’re unable to find an arrangement that suits your needs, it might be time for a fresh start. While a bankruptcy comes with a range of consequences, it can sometimes help you regain control over your income and avoid the financial penalties associated with the garnishment.

Filing for bankruptcy is a complicated process. If you want to stop garnishment, our team at Teague & Associates can help. Contact us today to discuss your situation, our number is (314)899-4499 .

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

Chapter 13 Bankruptcy Lawyer

Thu, 24 Mar 2022 09:09:50 GMT

If you’re in a position where you cannot afford to pay your debts, you might be considering a range of different options to alleviate the financial stress. One option to help you reduce your financial burden and pay your creditors is Chapter 13 bankruptcy. If you’re considering this option, you will need the services of a Chapter 13 bankruptcy lawyer.

While bankruptcy is common in the United States, few people realize that there are multiple types of bankruptcy. Chapter 13 is one of the most common forms of this legal procedure, and it can be an excellent way to sort out your current debts.

Under a Chapter 13 bankruptcy, a debtor and a creditor will come to a decision to set up a payment arrangement. This amount of time is typically between three and five years. To be eligible for Chapter 13 bankruptcy, you need to be working and have a verifiable income. In some cases, if you are earning below a certain level, the amount of time that you have to pay your creditors will be reduced. Bankruptcies vary depending on income and the amount of debt that you owe.

Either way, it’s essential to have an experienced attorney if you’re planning on pursuing Chapter 13 bankruptcy. If you don’t, it might not have the result that you’re trying to achieve.

So, if you’re looking for a Chapter 13 bankruptcy lawyer, it’s time to get in touch with our team Teague & Associates. We work with a wide range of clients in Maryland Heights to help them escape their debt and rebuild their financial futures. We can also speak to you about other legal options if you’re trying to source the most suitable arrangement. Contact our team of legal experts at (314)899-4499 .

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

Client Questionnaire

Tue, 31 Mar 2020 09:19:49 GMT

Download

Please download the Client Questionaire from the link above. The client questionnaire is a 6 section form designed to gather all the necessary information we need to help you.

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

Chapter 13 Trustee Form

Tue, 31 Mar 2020 09:16:06 GMT

View | Download

Download the Chapter 13 trustee form from the link above. DEBTOR’S STATEMENT UNDER PENALTY OF PERJURY

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

Chapter 7 and Chapter 13 PDF

Tue, 31 Mar 2020 08:58:16 GMT

View | Download

Download the Chapter 7 and Chapter 13 PDF with the link above. Learn about what you need to do before we can file your bankruptcy petition.

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

Stopping Foreclosure

Tue, 01 Oct 2019 03:21:29 GMT

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.

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. 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.

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

Important Questions to Ask your Lawyer

Thu, 19 Sep 2019 01:58:37 GMT

Are you looking for a bankruptcy lawyer? 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 call us at (314) 899-4499 .

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

Resolve Your Debts with Help from a Chapter 7 Bankruptcy Attorney

Tue, 17 Sep 2019 02:43:04 GMT

If you have mounting debts and no reasonable way to resolve them, you should talk to a Chapter 7 bankruptcy attorney. 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 at Teague & Associates at (314) 899-4499 to schedule a complimentary consultation to discuss your case. We can help you address your financial situation.

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

How to Hire a Bankruptcy Attorney

Wed, 04 Sep 2019 04:45:45 GMT

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 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 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.

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

The Best Way to Stop Garnishment with a Bankruptcy Lawyer

Thu, 28 Feb 2019 03:34:19 GMT

When 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.

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, 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.

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

How Can a Bankruptcy Lawyer Help Me?

Fri, 18 Jan 2019 01:36:23 GMT

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

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

A Chapter 13 Bankruptcy Attorney Can Help You

Mon, 31 Dec 2018 08:15:38 GMT

When debt becomes overwhelming and there is a chance you can lose what you have worked so hard to build, you may feel that your situation is hopeless. Where can you turn for help? Is there really anyone who will be able to help? Problems like unexpected medical expenses, job loss, divorce and more can seriously affect your financial future. When you feel like you have no one to turn to, you CAN trust a Chapter 13 bankruptcy attorney to offer guidance and direction. There are options available no matter what you are facing.

There are several unwelcome accompaniments to mounting debts. These include repossession, wage garnishment and debt collectors. However, there are solutions that your lawyer can assist with. A bankruptcy attorney is well-versed in all aspects of debt issues and will offer expertise and skill to resolve your debts and find answers that will work for everyone involved.

The knowledgeable team at Teague & Associates is here to help you find resolution for your financial obligations for a cost as low as $750. We offer experience and customized care for all of our clients.

Selecting an attorney does not have to be difficult. However, it is not smart to simply choose a lawyer based on cost alone. The right lawyer is just as important as resolving your financial burdens. Appropriate solutions will aid in ensuring a better financial future. Contact the experienced litigators at Teague & Associates, LLC, today at (314) 899-4499 . We have just the right Chapter 13 bankruptcy for your financial situation. We will make sure that your case is handled with skill and care.

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

Chapter 7 Bankruptcy Attorney

Tue, 04 Dec 2018 09:05:24 GMT

Filing for bankruptcy is an intricate process that requires professional guidance. You want to be certain that you are following the strict protocols involved and that you do what you must to resolve your financial difficulties. Consult a Chapter 7 bankruptcy attorney to discover your options for discharging debts.

Of course, filing bankruptcy is never something that you WANT to do. However, it is sometimes necessary because of debts that result from:

Loss of income
An automobile accident
Emergency medical care
A failed business project
Other unanticipated circumstances

For individuals with a greater than average established income, Chapter 13 bankruptcy is the best choice. This procedure allows you to repay debts rather than liquidating them. Chapter 7 works better for those without a steady income and are unable to meet monthly financial obligations. Debt liquidation is a practical solution for people without an auto loan, mortgage or for people who have a lien.

A bankruptcy trustee assigned to you will assist in selling some of your assets, like property, and use the profits to pay your creditors, but there are some exemptions to possessions that can be sold. Your lawyer can provide you with additional information on specifics.

Most taxes, alimony, child support and student loans cannot be discharged through bankruptcy. However, filing Chapter 7 can reduce the amount of your debts and leave money to pay on outstanding bills. A Chapter 7 filing usually takes several months.

When considering whether to file bankruptcy, it is best to rely on a lawyer with experience in this singular type of legal action. Contact a Chapter 7 bankruptcy attorney at Teague & Associates, LLC, at (314) 899-4499 to make an appointment for a private consultation.

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

What You Can Do to Stop Garnishment with a Bankruptcy Attorney

Fri, 09 Nov 2018 03:41:41 GMT

Is there money missing from your paycheck this week? If you have unpaid balances for child support, student loans, a court judgment or back taxes, some of your wages may be garnished. This occurs when the court requires that your employer hold back a portion of your income. They will send the money that was withheld to the company or individual to whom you owe fees until the debt is paid in full. There are varying rules regarding garnishment. It depends on what kind of debt you have, and there is a cap on how much of your wages can be withdrawn. For direction about this situation, see if there is a way to stop garnishment with a bankruptcy attorney.

Court judgment wage garnishments happen when you lose a court case and there is a money judgment against you. Most of the time this is in conjunction with a court order. Federal laws regulate how much of your wages are taken away and it is different from state to state. You can protest a judgment with a lawyer’s assistance.

If you owe alimony or child support, the court will begin wage garnishment and pay it to your former spouse or the other parent of the child(ren). Typically, more money is garnished for child support than in other circumstances.

Student loan nonpayment is one circumstance when a court order is not necessary for garnishment. The lender informs you in writing about 30 days before money is taken from your paycheck.

The IRS does not need a court order to collect back taxes through garnishment.

Find out about your rights and how to stop garnishment with a bankruptcy attorney by calling or texting Teague & Associates, LLC, at (314) 899-4499 .

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

Learn How to Stop Judgment

Fri, 26 Oct 2018 02:36:45 GMT

Have you had a judgment filed against you? Do you understand what that means? We are here to help. A judgment is a decision by the court that enters into public record. It results from someone filing a lawsuit against you. You can Answer and fight the lawsuit. However, you have other options. You can stop judgment with a bankruptcy lawyer.

There are several ways that you may discover that you have an outstanding judgment (or judgments) against you. They include:

Inspection of your credit report.
A notice from the payroll department where you work that your wages are being garnished.
A telephone call from a collection attorney.
A letter in the mail.
A freeze on your bank account.

If you have past due debts and have received calls and letters from the creditor and you have not initiated any solutions to resolve the issues, your debt is sent to a collection agency. If the debts are still unpaid, they are turned over to an attorney for collection. They will file a lawsuit and get a judgment against you so that you will make payments on the money owed. A judgment is public record, will show on your credit report and on a background check.

To resolve the situation, you must do one of the following: file for bankruptcy, repay the debt by garnishment or with cash, permit the creditor to seize your assets, pay the amount in full or work with the creditor to agree on a suitable payment plan.

For advice about how to stop judgment with a bankruptcy lawyer, call Teague & Associates, LLC, at (314) 899-4499 . We will help you navigate the process as simply as possible.

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

Stop Foreclosure with a Bankruptcy Attorney

Tue, 09 Oct 2018 02:46:43 GMT

A foreclosure threat on your home is not only scary and overwhelming, but is emotionally devastating for you and your family. You may wonder if there is anything you can do to delay or completely prevent the situation. Before you take any additional action or make a rash decision, call a lawyer. It may be possible to stop foreclosure with a bankruptcy attorney. Lawyers are wellversed in foreclosure proceedings and will provide advice about how to postpone foreclosure with a Chapter 7 bankruptcy. Filing Chapter 13 bankruptcy may also allow you to keep your home.

Foreclosure does not happen overnight. It occurs when you fail to make mortgage payments on time over time and usually takes several months to be completed. Use this interval to carefully evaluate your options and attempt to meet your mortgage commitment if at all possible. It may be necessary, however, to file bankruptcy to relieve this debt.

Filing bankruptcy automatically requires all your creditors to temporarily cease collection attempts. If this happens, foreclosure may be delayed.

If you are determined to keep your home, your best option is to file Chapter 13 bankruptcy. With this decision, you can set up a payment plan to pay off your amount in arrears. Note that you will pay the amount past due at the same time you pay for what is currently due.

For knowledgeable guidance about foreclosure and bankruptcy, speak with an experienced lawyer who specializes in these legal situations. Call or text Teague & Associates, LLC, today at (314) 899-4499 to learn more about how you can stop foreclosure with a bankruptcy attorney. We are ready to help you.

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

Call a Chapter 13 Bankruptcy Attorney in St. Louis for Your Financial Problems

Wed, 26 Sep 2018 08:48:45 GMT

Even though the thought of bankruptcy can be completely overwhelming, stressful and scary, it is important that if you are in this situation, that you take the proper steps to protect yourself. Ignoring the situation will only impact you more and cause more unnecessary stress. Hiring an attorney is one of the best things that you can do if you are looking for guidance throughout the process. Finding a Chapter 13 bankruptcy attorney will offer know the knowledge and understanding of the laws behind bankruptcy.

Your lawyer will help you in numerous ways, including:

During your first meeting, your bankruptcy attorney will assess your finances. They will also ask you about your goals for resolving your debt problems and talk with you about liability relief options that may apply to you. Deciding whether a bankruptcy filing is the best option is included, as well as an overview of required fees and plans for payment.
After you retain a bankruptcy lawyer’s services, you will not have to worry about collection calls. Your attorney will take care of this for you.
The abundance of forms for your bankruptcy petition are organized, typed and filed with the court.
Within 4-6 weeks of filing bankruptcy, you must attend the creditor 341 meeting. Your attorney will go over possible questions that you may be asked during this meeting.
There may be further court appearances or other paperwork required to meet the bankruptcy court’s conditions.
Your attorney will appear at a Confirmation Hearing to acquire court approval of your Chapter 13 bankruptcy proposal and will defend this plan in court. They will carry out any supplementary motions that might be needed.

When your financial obligations become too much to deal with, call Teague & Associates, LLC, at (314) 899-4499 for an appointment with a knowledgeable Chapter 13 bankruptcy attorney. We will help you through it.

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

A Chapter 7 Bankruptcy Attorney Can Help Resolve Your Debts

Thu, 13 Sep 2018 07:17:39 GMT

When debts are threatening your livelihood and everything you have worked so hard for, it can be overwhelming and you can feel at a loss on where to start. Whether it has been loss of job, medical issues, divorce etc, these circumstances have not only impacted your assets but your future, as well. If you can no longer realistically manage your finances, learn how a Chapter 7 bankruptcy attorney can help.

Unfortunately, with mounting financial obligations comes wage garnishment, repossession and debt collectors. No matter what the cause of this debilitating situation, there are affordable solutions to reverse the process. Consult with a bankruptcy lawyer and a team of legal professionals. They will give you the knowledge and experience to face your debtors and realize equitable resolutions.

The team of Chapter 7 bankruptcy attorneys at Teague & Associates offers reasonable answers for as low as $750, without forfeiting quality service or personalized care.

It does not have to be overwhelming to locate the best available Chapter 7 bankruptcy lawyer to help you with your extreme financial situation. It is not wise, however, to simply pick an attorney at random based solely upon billboard or newspaper ads that catch your eye. Choosing a trustworthy Chapter 7 bankruptcy attorney is just as critical as taking care of your financial challenges. This will allow you to move on to a better financial future.

For additional information on exactly what bankruptcy is and how it can aid you in resolving your financial difficulties, call the professionals at Teague & Associates, LLC, today at (314) 899-4499 . We will connect you with an experienced Chapter 7 bankruptcy attorney who will handle your case with understanding and skill.

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

Learn How to Stop Garnishment with a Bankruptcy Lawyer

Wed, 29 Aug 2018 02:27:04 GMT

Wage garnishment is the result of a court order that informs your employer to deduct some of your earnings to your creditors. This typically occurs when you have outstanding child support payments, tax liens, student loans and other debts. Your paycheck is garnished until the issue is resolved or the debt paid. There are options, however, to stop garnishment with a bankruptcy lawyer. Discuss your situation with an attorney.

There are two distinct kinds of garnishment. Wage garnishment is a legal action that requires your employer to pay part of your earnings to meet your debt responsibilities. Nonwage garnishment, also called a bank levy, allows creditors access to your bank account.

You do have rights regarding wage garnishment:

You must be lawfully notified about garnishment.
If you believe that erroneous information has led to this situation or that there is a mistake, you can file a dispute.
Some income, like benefits from social security and the VA, are exempt. Note that they can be seized when these funds are in your bank account.
Having a wage garnishment does not allow you to be fired
Challenge the garnishment if it is causing serious harm to your financial situation.

When you receive notification about garnishment, it is important to make sure that all the information it contains is correct. Consulting an experienced attorney is highly recommended. Your lawyer may suggest working out an agreement with your creditors about payment, you can challenge the ruling or accept the terms of the garnishment.

Learn how you can stop garnishment with a bankruptcy lawyer by speaking with an attorney at Teague & Associates, LLC. Call us at (314) 899-4499 to schedule an appointment.

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

When to Call a Bankruptcy Lawyer

Thu, 05 Jul 2018 03:49:16 GMT

If your debts have become overwhelming, you may need to consult a bankruptcy lawyer. Filing bankruptcy is a complicated process and usually not your only option to resolve financial issues. The guidance of a specialist in the field can really help you determine the best way to proceed.

Signs that you can benefit from the advice of a bankruptcy attorney are:

Inability to pay your bills
Confusion about how to pay debts that are accumulating
Repeated calls from debt collectors and creditors
Limited or lack of cashflow
Require representation in court
Bounced checks

A bankruptcy attorney will help you determine if Chapter 7 or Chapter 13 bankruptcy is the right choice for you or if there is another option available that may work in your situation. While it is not required to hire a lawyer to file bankruptcy, intricacies involved in the process are better handled by an expert. This also ensures that your rights are being considered during all steps in the process.

When engaging the services of our bankruptcy lawyer, you will be charged a flat fee. This amount will be put toward the total amount that you owe the attorney for his work. Attorneys typically charge by the hour, but rates vary across the country. Check on your lawyer’s rates before hiring.

Your lawyer will evaluate your debt and resources and determine whether filing bankruptcy or another option is best for you. The amount you owe will be either eliminated, lessened or reorganized to pay it when you are able.

For dependable and honest advice about your debts, call or text a bankruptcy lawyer at Teague & Associates, LLC, at (314) 899-4499 .

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

For Car Accident Debt Contact a Bankruptcy Attorney

Mon, 18 Jun 2018 09:41:19 GMT

The repercussions of a vehicle accident are not only physically and emotionally overwhelming, but financially crippling. This is particularly true if you do not have enough insurance or no insurance at all. Your driver’s license may be revoked and you will be without the freedom to travel where you want without assistance. If the ruling is that you are at fault in this situation, you have some decisions to make. Now is the time to consult a bankruptcy attorney.

A lawyer who specializes in insolvency issues can offer you some options. Depending on the circumstances, you may be able to file bankruptcy and have your driving privileges reinstated. Debts that are the result of a car accident are usually dischargable, whether related to property damage or personal injury. Your insurance debt can be listed in a Chapter 7 bankruptcy filing, the obligation would be discharged and you will be able to get your license back.

There are exceptions:

If the accident is a result of a DUI and you were the cause of death or personal injury to the other party, you will be responsible to pay court fees, criminal fines, bodily injury claims and restitution. This debt is not dischargable.

If the accident is due to malicious or willful intent to someone or something else. Property damage and personal injury are not dischargeable in this instance.

For any money that you owe related to an accident and to get your driver’s license back, it is wise to seek the professional advice of an experienced bankruptcy attorney. Call or text the legal team at Teague & Associates, LLC, today at (314) 899-4499 for a private consultation.

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

You Can Stop Foreclosure with a Bankruptcy Attorney

Wed, 16 May 2018 03:58:14 GMT

The possibility of foreclosing on your home is not only frightening but overwhelming and quite confusing. You might feel that there should be something you can do to avert the situation or even delay proceedings. There is one option you need to consider before going any further. You may want to stop foreclosure with a bankruptcy attorney. A professional can offer guidance about Chapter 7 bankruptcy, where you can postpone the procedure. It is also possible to keep your home if you file for Chapter 13 bankruptcy.

Foreclosure happens when you get behind on mortgage payments and occurs over a period of time. There are numerous steps involved and it often takes several months to complete the process. This can give you much-needed time to investigate all your choices to meet your mortgage obligation. When there is no other option, bankruptcy may be your only alternative.

When you file Chapter 7 or Chapter 13 bankruptcy, an automatic stay requires your creditors to stop collection actions. This can delay foreclosure.

If keeping your home is a priority, filing Chapter 13 is your best option. This allows you to pay off the amount of mortgage overdue over a pre-determined time. It is important to note that while paying your current mortgage payment, you must also pay the agreed-upon amount that is behind schedule. You will be able to keep your home if you follow this agreement.

Consult with a professional to determine the best way to stop foreclosure with a bankruptcy attorney. Call or text Teague & Associates, LLC today at (314) 899-4499 .

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

Learn How to Stop Garnishment

Thu, 10 May 2018 02:17:38 GMT

If you have outstanding balances for student loans, back taxes, a court judgment or child support, your wages may be garnished. This happens when a court demands that your employer withhold a portion of your paycheck. They will send it straight to the company or individual whom you owe money until you pay off the debt. There are different rules regarding garnishment according to what kind of debt you have, and there is a threshold on how much of your wages can be taken out. For guidance about this unwelcome situation, see if you can stop garnishment.

Court judgment wage garnishments occur when you lose a lawsuit and there is a money judgment against you. This must be accompanied by a court order, in most cases. Federal laws govern how much of your paycheck is taken away and it varies from state to state. You can legally protest a judgment. Your lawyer can help you with this.

If you owe child support or alimony, the court will initiate wage garnishment and pay it to the other parent of the child(ren) or to a former spouse. It is common for more money to be garnished for child support payments than in other circumstances.

A student loan default is one situation where a court order is not required for garnishment. The lending institution will notify you in writing about 30 days before money is withheld from your paycheck.

To collect back taxes via garnishment, the IRS does not require a court order.

Learn your rights and how to stop garnishment by call or texting Teague & Associates, LLC, at (314) 899-4499 .

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

Discuss Debts with a Chapter 13 Bankruptcy Attorney

Wed, 25 Apr 2018 09:32:22 GMT

You may have reached a point in your financial situation where it simply makes sense to file bankruptcy. While this is a hard decision, it does have some advantages. To determine if this is the best option for you, consult a Chapter 13 bankruptcy attorney.

What is Chapter 13 bankruptcy? Also known as a wage earner’s plan, this scenario involves the development of a program to repay a portion or all your debt over time. Your payment installments will last from 3-5 years, depending on your income.

Why is Chapter 13 an excellent choice when your debts become more than you can handle? This bankruptcy filing allows individuals to stop foreclosure proceedings, reschedule secured debts other than the primary mortgage and extend them over the length of the plan, protecting co-signers from consumer debts and having no direct contact with creditors during the program.

Who is eligible to file Chapter 13? Individuals whose unsecured debts are less than $394,725 and secured debts are less than $1,184,200. These amounts are subject to change according to the consumer price index.

How does Chapter 13 work? After completing a program of credit counseling with accompanying certification, a petition is filed with the bankruptcy court in the area of residence. Typically, you must also file documentation about your liabilities and assets, income and expenses, overall statement of your financial status, your last tax return and a list of executory contracts. The court charges fees for filing Chapter 13.

A trustee will be appointed to administer your case and will work with you and your Chapter 13 bankruptcy attorney. Contact Teague & Associates, LLC, at (314) 899-4499 to schedule a meeting with one of our expert litigators.

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

How You Can Stop Repossession with a Bankruptcy

Tue, 17 Apr 2018 01:50:59 GMT

It is quite difficult to manage financial problems, particularly when they seem to accumulate all at once. It can be completely overwhelming, especially when you don’t know what to do or how to make it better. The decision to file or not file for bankruptcy can also be very challenging and stressful and isn’t an easy one to make. However, there are several advantages to filing bankruptcy that you may not be aware of. Before the process begins, though, it is important to know how to stop repossession with a bankruptcy. Then the process of setting your monetary resources in order can begin.

It is frightening and upsetting to have people whom you do not know come into your home or business and take away your possessions due to lack of payment on your part. Is there anything you can do to keep this from happening? Of primary importance is contacting an attorney who is experienced in these type situations and who can offer welcome guidance about how to handle them. A bankruptcy lawyer can help you look realistically at your debts and how to handle them so that you can start over financially.

A knowledgeable bankruptcy attorney will provide valuable insight into your legal rights in these circumstances, how to keep your belongings from being taken from you and the best ways to make a fresh beginning. For more information on navigating through this complex process, reach out to the legal professionals at Teague & Associates, LLC, today. We offer several options for bankruptcy and debt management that may work for you.

Call or Text the Teague & Associates, LLC, team today at (314) 899-4499 or talk with us online now to learn how we can assist you with reasonable legal solutions for your financial problems. Stop repossession with a bankruptcy now.

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

Learn How to Stop Foreclosure with a Bankruptcy

Tue, 27 Mar 2018 02:10:00 GMT

With the continued instability of the economy and numerous additional factors that include job loss or unanticipated medical expenses, foreclosure is a real possibility for many individuals. The foreclosure process involves the lender selling your property for non-payment of the mortgage and you having to move out. This procedure takes a few months for completion and does not often initiate until 3 or more mortgage payments have been skipped. Legal procedure begins with a notice coming from the lender that states the foreclosure process will commence on a certain date. If you are unable to make any other arrangements to continue payment, it is wise to try to stop foreclosure with a bankruptcy.

Foreclosure proceedings will immediately stop if you file for Chapter 7 or Chapter 13 bankruptcy, unless too much time has passed, and the home has previously been sold in a foreclosure auction. Policies may be different in each state.

A Chapter 7 bankruptcy filing will postpone foreclosure so the homeowner can stay in the house until the bankruptcy process is complete, the property is foreclosed or the lender and property owner can reach an agreement regarding payment.

Stopping a foreclosure involves filing Chapter 13 bankruptcy. The stay in proceedings allows the owner to create a plan to pay the amount outstanding to the lender. Foreclosure can be circumvented if the money in arrears, in addition to monthly loan payments, is paid within a selected time period.

To discuss options to stop foreclosure with a bankruptcy, schedule a private consultation with an attorney at Teague & Associates, LLC, by calling or texting (314) 899-4499 . Rely on our expertise to help you during this difficult time.

CONTACT INFO

2536 South Old Highway 94

Suite 222

St. Charles, MO 63303

720 N. Hwy 67

Florissant, MO 63031

*By Appointment Only

Call us: (314) 899-4499

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