Filing bankruptcy in Missouri
Filing Bankruptcy in Missouri.
If you have found yourself considering filing bankruptcy in Missouri, you may have started researching the process online. Many people may feel as though they could represent themselves in an attempt to save money. The problem with representing yourself is that one mistake can damage your case beyond repair. To have the best chance
of successfully filing for bankruptcy, you should hire a qualified attorney to represent you.
Determine Eligibility.
The first step your attorney will take is to determine if you have a qualifying bankruptcy case. This will be done by asking you a series of questions as well as reviewing your credit report. Your attorney will use this information to determine if filing bankruptcy in Missouri is the correct option for you. If bankruptcy is the correct solution, he will discuss whether you should file for Chapter 7 bankruptcy or Chapter 13 bankruptcy. If you qualify, he or she will begin the next step in filing your claim. If he or she determines that there are other options to filing bankruptcy, they will help you choose which option would work best for you.
Organize your file.
Gathering and organizing all of your financial statements can be time consuming but necessary for filing bankruptcy in Missouri. Your attorney will do this step for you which will allow you to continue working as usual. During this time they will gather any information needed from each of your creditors and put your file together in preparation for court. Once your file is organized, your attorney will then begin the process of filing your case with the courts.
Represent You.
The main goal of your attorney is to represent you fully in court as well as with your creditors. This can allow you to continue living your life without worrying about harassing phone calls. Once you have hired your attorney, you can begin telling creditors to contact them instead. Your bankruptcy lawyer will handle all communication with your trustees including the 341 meeting, the courts and the creditors on your behalf. A 341 meeting is held after you have filed for bankruptcy. This meeting is between you, your bankruptcy attorney, the trustee assigned to your case and any creditors who wish to appear. Having your bankruptcy attorney present for this meeting will make the process go smoothly as well as insure everything goes the way it is supposed to.
Close your case.
Your attorney will make sure all of your paperwork is filed and handled appropriately. At the end of your case the attorney will obtain a copy of your discharge papers and make sure all of your debt was included in the filings. This step is the final step your attorney will take on your behalf. Once your bankruptcy has been completed, it is important that
you frequently check your credit report to verify all information is correct. Finally you can begin to rebuild your credit by continuing paying on your mortgage or car loans.
If you are considering filing bankruptcy in Missouri, contact me today to schedule a consultation.
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Sean C. Paul is licensed to practice law in the State of Missouri. His practice is located in south St. Louis County. He can help you with your Chapter 7 or Chapter 13 Bankruptcy case.Sean C. Paul will give you the individual attention you deserve. He will meet with you one-on-one to determine how he can help you. If you are considering filing bankruptcy in Missouri, please call today. |