Chapter 7 St. Louis MO is a type of bankruptcy many people can qualify for. The person must make less than the mean amount of income for their state to qualify for this type of bankruptcy. Before filing for Chapter 7 St. Louis MO, most people wonder if they should hire an attorney to help them. After all, if they’re already in debt it may be difficult to hire an attorney. While bankruptcy can be filed without an attorney, it’s highly recommended so the person can be assured of a good outcome.
An attorney is first going to help make sure the person qualifies for Chapter 7 St. Louis MO. If they don’t, the attorney will let them know and will talk to them about other options they may have. If they do qualify, the attorney will help them fill out the paperwork and make sure it’s filed on time. This is extremely important and mistakes in the paperwork can mean a dismissal of the bankruptcy. With an attorney to review everything before it’s filed, the chance of a mistake is much lower.
The attorney is also going be in contact with the creditors on behalf of their client. The creditors will not be able to contact the client at all to continue to ask for payments. Instead, they must go through the attorney. A person is often incredibly relieved when their attorney is handling the calls and they no longer have to receive multiple calls a day from credit collectors.
Once the paperwork is filed and the creditors have been contacted, the attorney will help the person through the rest of the bankruptcy process. A trustee will be hired to sell any non-essential debts to help cover the amount owed. They will also help determine whether any debts can be wiped or what may happen with remaining debts. The entire process takes about 6 months to be completed. Visit website for more details.
Most people who need to file bankruptcy are going to benefit by hiring a lawyer who can take them step by step through the bankruptcy process. If you’re in debt and would like to see if you qualify for Chapter 7, contact Van Dillen & Flood P.C. for assistance today.
