Ballwin, Missouri Bankruptcy Lawyer

The thought of filing for bankruptcy can be daunting, but the process doesn’t have to be painful. When you work with the right local Ballwin law firm, filing for bankruptcy can be pretty painless. We want to make filing for bankruptcy easy for you, which is why we’ve compiled information on bankruptcy and our law firm below. Regardless of whether or not you decide to file a bankruptcy with our firm, you have nothing to lose in scheduling a free initial consultation. 

Understanding Bankruptcy

Bankruptcy is not a process to be ashamed of going through. It’s your right as an American citizen to exercise the protections afforded to you by both the federal and state government. Bankruptcy is designed to protect debtors from the shackles of overwhelming debt. Bankruptcy is offered to both businesses and consumers, but our law firm exclusively focuses on filing bankruptcy for consumers. There are two types of consumer bankruptcy: Chapter 7 and Chapter 13

A Chapter 7 bankruptcy is known as a complete liquidation bankruptcy, because it wipes out all unsecured debts. Unsecured debts include credit card debt, payday loans, signature loans, medical bills, utility bills, and more. You must meet certain qualifications to be able to file for a Chapter 7. 

A Chapter 13 bankruptcy is known as a modification bankruptcy, because it’s designed to restructure your debt into a payment plan that makes paying back your debt more manageable. You may still be able to discharge certain types of debt with a Chapter 13 and you’ll be paying pennies on the dollar for the amounts you owe. 

Both types of bankruptcy have their advantages and disadvantages, but they also have shared benefits. The benefits of filing for bankruptcy include: 

About A Bankruptcy Law Firm, LLC

A Bankruptcy Law Firm, LLC is a consumer bankruptcy law firm that has been helping Missouri residents file bankruptcy for over a decade. We’ve filed thousands of Chapter 7 and Chapter 13 bankruptcies throughout Missouri. When you file with A Bankruptcy Law Firm, LLC, you’ll be receiving years of knowledge and experience that extend far beyond bankruptcy law. 

In addition to being a bankruptcy attorney, Michael J. Benson is also a certified public accountant and licensed financial investor. Attorney Benson can provide you with practical and effective advice to help you repair and rebuild your finances after bankruptcy (a form of assistance, which not every law firm can provide). 

When you work with A Bankruptcy Law Firm, LLC you’ll also be receiving the best value for your spend. We offer all of our clients a free credit report, a free credit score, and the required debt education and credit counseling courses at no cost. We take great pride in being able to offer the most affordable bankruptcy services in Ballwin.  

Ready To Start Your Debt Relief Journey? 

The first step in your debt relief journey will be to speak with a knowledgeable bankruptcy lawyer. A lawyer can help you understand the bankruptcy process and determine if bankruptcy is the right choice for you. A Bankruptcy Law Firm, LLC offers free initial consultations. There is no obligation in scheduling one. You’ll sit down with lead attorney, Michael J. Benson to review your finances and plot the best course of action moving forward. Call (800) 723-6766 or fill out a contact form to schedule your initial consultation. 

Additional Debt Resources In Ballwin

Debt management extends far beyond bankruptcy. After bankruptcy, you’ll need to proactively manage your finances to ensure you don’t end up in a troubling financial situation again. Fortunately, that isn’t something that you have to do alone. Local Ballwin resources are available to you; ranging from financial institutions to financial advisors. We’ve compiled a list of a few resources for your consideration below. 

Bankruptcy Court

US Bankruptcy Court
111 S 10th St
St. Louis, MO 63102
(314) 244-4500

Credit Resources

Annual Credit Report – Free Credit Reports One Time Per Year (Authorized by Federal Law)
myFICO – Information Regarding the FICO Credit Score 

Accountants/Income Tax Services

Kasperek & Co Accountant
14563 Manchester Rd
Ballwin, MO 63011
(636) 256-7000

Klemm & Associates
14792 Clayton Rd
Ballwin, MO 63011
(636) 207-5705

Rognan & Associates
616 Applecross Ct
Ballwin, MO 63021
(636) 391-9831

NEXUS CPA – Tax & Business Advisors
201 Clarkson Executive Park
Ellisville, MO 63011
(636) 634-1229

Financial Institutions

Regions Bank
14915 Manchester Rd
Ballwin, MO 63011
(800) 734-4667

St. Louis Bank
14323 S Outer Forty Rd
Town and Country, MO 63017
(314) 851-6200

CoBank Regional Banking Center
635 Maryville Centre Dr Suite 130
St. Louis, MO 63141
(800) 542-8072

Busey Bank
14446 Clayton Rd
Ballwin, MO 63011
(636) 391-3131

Simmons Bank
611 Big Bend Rd
Manchester, MO 63021
(636) 230-6500

Financial Advisors

St. Louis Financial Group
15415 Clayton Rd
Ballwin, MO 63011
(314) 336-0888

Cutter Advisors
15415 Clayton Rd
Ballwin, MO 63011
(314) 368-4630

Royal Alliance Associates Inc
444 Coronado Dr
Ballwin, MO 63011
(636) 256-4726

Benson’s Bankruptcy Apps

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