Springfield, Missouri Personal Bankruptcy Lawyers

Do the calls from your creditors keep you up at night? Are you months behind on your mortgage payments and credit card bills? Do you not see any way out? The Bankruptcy Clinic LLC in Springfield, Missouri can help. Bankruptcy law may give you the opportunity to start over—we can stop the creditor calls and find ways for you to keep your property. Our attorneys can obtain the debt relief you need to save your house and your peace of mind.

Stop the collection calls. Call (417) 8NO-DEBT to schedule an initial consultation with the Bankruptcy Clinic LLC.

If you need to file for Chapter 7 or Chapter 13 bankruptcy, it is not a failure. Illness, accidents, unemployment, underemployment or many other events can create a situation in which you cannot pay your bills. We know that you have tried everything. We will treat you with respect and work diligently to get you the fresh start you deserve.

Worried about losing your home? We can help you avoid foreclosure.

The most common forms of personal bankruptcy: Chapter 7 bankruptcy and Chapter 13 bankruptcy.

The goal of Chapter 7 bankruptcy is to allow you to discharge or eliminate most of your debts while protecting many of your assets.

The goal of Chapter 13 bankruptcy is also to allow you to discharge or eliminate most of your debts. Rather than liquidating property, creditors are repaid, subject to the terms of a repayment plan, over a period of time from the debtor's earnings. Chapter 13 bankruptcy is sometimes called a wage-earner's plan or an income-based plan.

The Automatic Stay - Relief from Creditor Collection

Once you file for bankruptcy under either Chapter 7 or Chapter 13, the creditor calls and other debt collection activities must stop according to the Bankruptcy Code's "automatic stay" provisions. Creditors must stop any foreclosure, collection, wage garnishment or repossession activities. Consumers are offered additional protection under the FDCPA (Fair Debt Collection Practices Act).

Our attorneys are dedicated to making sure your bankruptcy is done correctly and that you get relief from burdensome debt as quickly as possible. Filing for bankruptcy has gotten more expensive and difficult because of the Bankruptcy Reform Act, but we will never tack on extra fees at the end because of it.

If you need a bankruptcy lawyer to help you stop the collection calls, contact the Bankruptcy Clinic LLC to schedule an initial consultation.