How can you tell if you are in need of a St Louis bankruptcy attorney? The signs aren’t always clear but one of the biggest things to look at is your accumulated debt. If you are not able to make minimum payments and your bills are starting to out way your income heavily you may want to begin looking into hiring a St Louis Bankruptcy Attorney. But what exactly can a bankruptcy attorney do to help you in your time of crisis?
Stop Accumulating Debt
The first thing a bankruptcy attorney will help you do is stop accumulating debt. If you are facing repossessions of your home or motor vehicle an attorney will help you to stop this from happening. You won’t have to worry for the time being about waking up in the morning and your mode of transportation to and from work not being out front of your home where you left it and you also wont have to worry about losing the place you sleep at night.
Stop Collection Calls
Another positive thing about hiring a bankruptcy attorney is that they will help put a stop to harassing phone calls from collection agencies and bill collectors trying to bully you at work and home day and night. Once these calls stop and you will find that your anxiety will start to decrease and it will not only become easier to deal with your bills, but the path out of debt will also start to look clearer as it is set out in front of you.
File Chapter 7 or 13
The next thing a St Louis bankruptcy attorney will do for you is help you properly file either chapter seven or thirteen bankruptcy. This is the main thing you have hired them for and this is also where the real debt relief will begin. They will also help you to understand the benefits of filing bankruptcy and dispel any myths you may have heard about it. Bankruptcy was created to help people struggling with debt. It is there for you. It is not a horrible thing to do.
By filing either chapter seven or thirteen you will clear unsecured debts, this does not include student loans, and work out payment plans with any debtors.
If you are seeking relief from debt hiring a St. Louis Bankruptcy Attorney can be very helpful to you. You might want to call one as soon as possible for a consultation and to see what your options are.
