Experienced. Affordable. We Do 99% of the Work for You.
We've built our practice around making bankruptcy as easy and affordable as possible for hardworking St. Louis families.
No upsells, no surprises. Every client pays the same flat rate — regardless of how complex your case is.
When you call, you speak directly with attorney Kimber H. Baro — not a paralegal or call center.
We haven't raised our prices in over a decade. Quality legal help shouldn't be out of reach for working families.
You provide documents. We handle all the paperwork, filings, and court communications from start to finish.
From bankruptcy to traffic tickets, we provide affordable legal help for St. Louis families.
Stop collection calls, eliminate debt, and get a fresh financial start. Chapter 7 & Chapter 13 available.
Learn More →Fight your traffic tickets and keep points off your license. Starting at just $50 for simple municipal violations.
Learn More →Experienced DWI defense for first-time misdemeanor and ordinance violations. Free consultation available.
Learn More →Wills, deeds, powers of attorney, divorce, probate, and eviction services for individuals and landlords.
Learn More →No hidden fees. No surprises. The same fair price for every client.
$762 attorney fee + $338 court filing fee
All paid upfront at signing
Cash, Check, Money Order, Venmo, CashApp
$200 attorney + $313 court filing fee upfront
Remaining attorney fee paid through plan
Total attorney fee: $5,800
Real stories from real St. Louis families who found a fresh start.
"I was drowning in medical bills and credit card debt for years. Ms. Baro explained everything clearly, never made me feel judged, and handled everything. My Chapter 7 was discharged in about 4 months. I finally feel free. The office is easy to find right in Florissant — I drove past it a hundred times!"
"I was about to lose my house to foreclosure when a friend told me to call Ms. Baro. She filed a Chapter 13 quickly and the foreclosure stopped immediately. She answered my calls personally every time I had a question. $513 to save my home — I couldn't believe it. Highly recommend to anyone in St. Louis County."
"After my divorce left me with all the joint credit card debt, I didn't know where to turn. Ms. Baro walked me through my options patiently. She truly does 99% of the work — I just dropped off my paperwork and showed up to one 10-minute court meeting. Best decision I ever made. She's been doing this since 1988 and it shows."
Get straight answers to the questions we hear most often.
In most cases, yes. Missouri has a $3,000 motor vehicle exemption, meaning you can protect up to $3,000 of equity in your car. If your car is worth more than that but you're still making payments, you can typically reaffirm the loan (agree to keep paying it) and keep the vehicle as long as you stay current on the payments. In Chapter 13, you can often catch up on missed car payments through your repayment plan and keep the vehicle.
Yes. The moment your bankruptcy petition is filed, an "automatic stay" goes into effect. This is a federal court order that immediately stops virtually all collection activity — including wage garnishment, bank levies, foreclosure, repossession, and collection calls. Your employer must stop the garnishment as soon as they receive notice of the filing. This is one of the most powerful tools bankruptcy provides.
A typical Chapter 7 case takes 3 to 4 months from the filing date to discharge. The process involves filing the petition, attending a single 341 meeting of creditors (usually about 10 minutes), and waiting for the discharge order. In straightforward cases with no assets to liquidate, the timeline is very predictable.
Chapter 7 is a "liquidation" bankruptcy that eliminates most unsecured debts (credit cards, medical bills, personal loans) in about 3-4 months. You must qualify based on income. Chapter 13 is a "reorganization" bankruptcy where you make a monthly payment plan for 3-5 years to repay some or all of your debts. Chapter 13 is best if you earn too much to qualify for Chapter 7, or if you want to save your home from foreclosure or catch up on a car loan.
Yes, in most situations. In Chapter 7, if you're current on your mortgage and the equity in your home doesn't exceed Missouri's homestead exemption ($15,000 for a single person, $30,000 for a married couple), you can keep your home. In Chapter 13, you can also catch up on missed mortgage payments through your repayment plan and stop foreclosure — even if you're already several months behind.
Filing bankruptcy does impact your credit score in the short term. A Chapter 7 bankruptcy remains on your credit report for 10 years; Chapter 13 stays for 7 years. However, many clients find that their credit score actually begins to recover within 1-2 years of filing because all their delinquent accounts are now discharged and they can start fresh. Many of our clients are able to qualify for a car loan within 2 years and a mortgage within 3-4 years after filing.
No obligation. No pressure. Just straight answers from an experienced attorney.
Our office is located at 1605 N HWY 67, Florissant, MO 63031 — directly across from the Florissant Police Department, next to Cugino's Italian Bar & Grill. Street-level access, wheelchair accessible, with plenty of free parking.