Bankruptcy Is Our Primary Practice — We've Been Doing This Since 1988
Schedule Free ConsultationFederal bankruptcy law was designed to give honest people a genuine fresh start. Here's what it can do:
The moment you file, an automatic stay stops all collection calls, lawsuits, wage garnishments, bank levies, and foreclosure proceedings — immediately.
Credit cards, medical bills, personal loans, utility arrears, and most other unsecured debts can be completely wiped out through bankruptcy.
Catch up on mortgage arrears, stop foreclosure, and keep your vehicle. Bankruptcy allows you to protect what matters most while eliminating what's dragging you down.
| Feature | Chapter 7 | Chapter 13 |
|---|---|---|
| Best For | Eliminating debt quickly | Saving home, catching up on arrears |
| Income Limit | Yes (means test) | No income limit |
| Timeline | 3–4 months | 3–5 years (repayment plan) |
| Upfront Cost | $1,100 total | $513 upfront |
| Mortgage Arrears | No catch-up mechanism | Yes — can save home |
| Unsecured Debt | Fully discharged | Partially or fully discharged |
| Credit Report | 10 years | 7 years |
| 341 Meeting Required | Yes (brief, ~10 min) | Yes (brief, ~10 min) |
Eliminate most debts in 3–4 months. $1,100 total all-in. Ideal if you qualify by income.
Learn More →Keep your home and car. Repay debts over 3–5 years. Only $513 due at signing.
Learn More →Transparent pricing with no surprises. See exactly what you'll pay and how to pay.
Learn More →Step-by-step breakdown of how bankruptcy works from consultation to discharge.
Learn More →How bankruptcy affects your credit score and how to rebuild after filing.
Learn More →What creditors must file in your Chapter 13 case and why it matters to you.
Learn More →We've built our entire practice around giving working families the best possible value. Compared to larger bankruptcy firms in the St. Louis area, we charge less — and we give you more direct attorney access.