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Best Bankruptcy Attorneys in Columbia

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Baehr Wiggins PC. logo
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Baehr Wiggins PC.

1900 North Providence Road, Columbia, MO 65202
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Baehr Wiggins PC is a bankruptcy law firm located in Columbia dedicated to helping debtors achieve relief from insurmountable debt through filing for bankruptcy protection under federal bankruptcy laws. The firm's bankruptcy lawyers have more than 30 years of combined experience helping people file for chapter 7 and chapter 13 bankruptcy. Chapter 7 is recommended for those seeking to cancel most debts, while chapter 13 establishes a repayment plan. Baehr Wiggins PC assesses and guides clients' situations to determine their best option.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.3 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Detail
Boul and Associates, P.C. logo
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Boul and Associates, P.C.

1 East Broadway, Suite B, Columbia, MO 65203
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Boul and Associates, P.C. is a Columbia-based bankruptcy law firm that has been in the industry for more than 40 years. Bankruptcy attorney Harry D. Boul has handled over 5,000 bankruptcy cases. The firm assists in filing chapter 12 Bankruptcy, also known as Farmers Reorganization Bankruptcy. It helps families of farmers and fishermen restructure finances and preserve property. Other types of bankruptcy the firm practices include chapter 7, 11, and 13.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Helpfulness
Detail
Mid-Missouri Bankruptcy Center logo
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Mid-Missouri Bankruptcy Center

201 West Broadway, Columbia, MO 65203
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  • Debt Settlement

Business Description

Mid-Missouri Bankruptcy Center is a Columbia-based bankruptcy law firm. Its team of two lawyers attends bankruptcy seminars and subscribes to blogs and journals in order to stay updated about bankruptcy law. They represent clients in debt-collection lawsuits. Dianna Coy Long, one of the firm's attorneys, is a member of the National Association of Consumer Bankruptcy Attorneys and the American Bankruptcy Institute. She has been practicing in the area of bankruptcy for more than 20 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mitchell J. Moore - Attorney at Law logo
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Mitchell J. Moore - Attorney at Law

1210 West Broadway, Columbia, MO 65203
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Mitchell J. Moore - Attorney at Law is committed to helping clients discharge debts. With nearly four decades of experience, Mitchell J. Moore is a Columbia-based bankruptcy attorney who handles chapters 7 and 13 cases. The two bankruptcy tools allow individuals to eliminate their unsecured debts and prevent lawsuits and wage garnishments, but chapter 13 offers an opportunity to reorganize clients' debt through arrangements that suit their financial capability. Moore also defends clients experiencing harassment from creditors or Defense against Debt Buyers.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Rutter and Sleeth Law Offices logo
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Rutter and Sleeth Law Offices

201 W Broadway 3f, Columbia, MO 65203
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Rutter and Sleeth Law Offices provide legal solutions from their Columbia office. They offer a full range of services including assistance in bankruptcy cases. The bankruptcy lawyers handle chapter 7 and chapter 13 bankruptcy. They guide clients through the bankruptcy process and offer legal advice on what form of bankruptcy will suit their financial situation. Rutter and Sleeth Law Offices carry over 60 years of combined legal experience. Aside from bankruptcy, the company also practices criminal defense and family law.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.2 / 5 (23)
Facebook
3.9 / 5 (11)
Avvo
5.0 / 5 (6)

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Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Coke Law Firm logo
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The Coke Law Firm

3610 Buttonwood Drive, Columbia, MO 65201
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Coke Law Firm is dedicated to resolving debt problems in Columbia. Justin Coke is a bankruptcy lawyer who seeks to simplify the bankruptcy process and helps determine whether filing for bankruptcy is the optimal debt relief solution. He meets debtors to discuss their financial circumstances, inform them of their legal options, and assess what type of bankruptcy they qualify for. He assists in filing for bankruptcy, aiming to wipe out unsecured debts. Coke has handled bankruptcy proceedings since 2007.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
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––
Van Matre Law Firm logo
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Van Matre Law Firm

1103 East Broadway, Columbia, MO 65201
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  • Debt Settlement

Business Description

Bankruptcy lawyers of the Van Matre Law Firm offer to guide and represent both debtors and creditors in Columbia. Given the complexity of bankruptcy cases, Van Matre understands the need to either manage debts through relief or be paid the assets owed. The firm not only assists in filing bankruptcy claims but also provides litigation services on behalf of creditors, lenders, and landlords who are facing challenges in collecting payment. Van Matre also counsels clients who need to obtain asset relief, as well as in administering priority claims.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Watton Law Group logo
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Watton Law Group

800 Market Street Suite 2150, Columbia, MO 63101
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Bankruptcy

Business Description

Watton Law Group has been providing legal services to clients in the Columbia metro for over 25 years. Whether the clients have foreclosures or overwhelming debts, the firm helps them obtain relief by getting their finances back under control through bankruptcy services, including chapters 7 and 13. It also stops clients' bill collectors, reduces their car payments, and budgets their finances. Senior partner Michael J. Watton has been practicing law since 1990 and has been ranked as one of the top consumer bankruptcy attorneys nationwide.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (394)
Avvo
5.0 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

What does a bankruptcy attorney do?

Bankruptcy attorneys help clients understand whether they qualify for bankruptcy and what their best options are. They also prepare and file petitions, answer questions during the proceedings, and educate clients about potential best steps for a positive bankruptcy outcome. Bankruptcy attorneys might also file motions or paperwork if creditors dispute the bankruptcy, or to stop creditors from taking collections actions forbidden by the bankruptcy.

What happens when you file bankruptcy?

Bankruptcy is a formal process that individuals, married couples, or businesses can enact when they are no longer able to pay creditors. In a bankruptcy proceeding, filers are allowed to reduce debt to more manageable levels to best pay off money owed.

Once the bankruptcy process is initiated, debt collectors can no longer seek repayments outside of the arrangements detailed in the bankruptcy settlement. Some forms of bankruptcy result in the liquidation of assets to pay back debts, while others allow filers to retain most of their possessions and investments. Many types of unsecured debt can be managed with bankruptcy filings, but not all.

Can you file bankruptcy on student loans?

Under most circumstances, student loans aren't dischargeable and aren't included in bankruptcy proceedings. In rare cases, it may be possible to eliminate student loans through bankruptcy, but only if the courts determine that continuing to pay the loans would impose an undue hardship. Meeting the criteria for undue hardship is challenging, and most bankruptcy filers don't qualify.

What is bankruptcy fraud?

Bankruptcy fraud is a blanket term that refers to any kind of dishonest bankruptcy proceeding, which can include:

  • Hiding assets by transferring them to another person or entity
  • Intentionally omitting assets when reporting to the court
  • Destroying or withholding required documents
  • Knowingly making false statements to bankruptcy trustees or creditors

How long is bankruptcy on public record?

How long bankruptcy stays on public record depends on the kind of bankruptcy filing in question. Chapter 7 bankruptcy remains on the record for 10 years as there isn't necessarily a repayment component. Chapter 13 bankruptcy remains on the record for seven years as some obligations are repaid following filing based on the terms of a discharge settlement.

Does bankruptcy clear tax debt?

Bankruptcy can clear tax debt, depending on the circumstances. Taxes are dischargeable under Chapter 7 bankruptcy, not Chapter 13, and only if the tax debt is:

  • Federal income tax debt related to current properly filed tax returns
  • Honestly incurred with no fraud or evasion
  • At least three years old
  • Assessed at least 240 days before bankruptcy filings

Existing liens are not eliminated with bankruptcy.


Can they take my car in Chapter 7 bankruptcy?

In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.

How bad is it to file bankruptcy twice?

Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn't recommended. Filing multiple times puts a serious burden on one's credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.

Note that filing for bankruptcy isn't something that can be done at a filer's leisure. There are time limits following bankruptcy cases that dictate when it's permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.

Can anyone file bankruptcy?

Anyone can file bankruptcy, but there are limitations regarding which form of bankruptcy is permissible. Qualifying for Chapter 7 requires a means test that evaluates income, debt levels, and income left over each month after paying basic obligations. Income over the median set by the court and monthly income that allows meaningful payments toward unsecured debt can disqualify filers from Chapter 7, which is generally the preferred form of bankruptcy due to the possibility of a full discharge. Anyone can file Chapter 13 bankruptcy, but the terms are less favorable. In most cases, some debts must be repaid following a successful filing. Chapter 13 is also more likely to result in asset forfeiture.

How will bankruptcy affect my credit score?

Bankruptcies are noted on credit reports. How much a bankruptcy might drop a person's credit score depends on how high the score was to begin with, but generally speaking, the hit can be as much as 100 to 200 points. Often scores are already dropping because people filing for bankruptcy may have already missed payments on debts. Chapter 13 bankruptcies are listed on credit reports for seven years from the filing date, while Chapter 7 bankruptcies are listed for 10 years from the filing date. This is because Chapter 13 bankruptcies require at least partial payment of debts owed.

What are the benefits of filing for bankruptcy?

Filing a bankruptcy petition causes an automatic stay. This legally stops creditors from taking further action to collect debt, including garnishing wages or foreclosing on property. Going through a bankruptcy successfully means that debts included in the bankruptcy are discharged and don't have to be paid back, except as provided in a Chapter 13 repayment plan. Bankruptcy can help someone recover from financial duress so they can make better decisions and improve financial situations in the future. Disadvantages can include temporary lower credit scores and limitations on spending and financing.

What's the difference between debt settlement and bankruptcy?

Debt settlement occurs when people negotiate with individual creditors. The creditor agrees to take a payment that's lower than what someone owes and call the debt “paid in full.” Bankruptcy is a legal process that causes debts to be dismissed after someone proves they don't currently have the means to pay their debts as owed. Typically, someone can't enter into bankruptcy and also settle some debts, because the court would see that as favoring one creditor over another.

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