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Best Bankruptcy Attorneys in Independence

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Bredehoft Law Firm logo
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Bredehoft Law Firm

1200 Northwest South Outer Road, Blue Springs, MO 64015
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

Bredehoft Law Firm represents individuals in bankruptcy cases in Independence. It handles filings of bankruptcy relief under Chapter 7 and Chapter 13 of the U.S. Bankruptcy Code Business Law. The law firm also works on traffic tickets, DUIs, misdemeanors, and felonies. Its principal attorney, Michael Bredehoft, has been practicing law since 1997 and is licensed to practice in Missouri and Kansas. Bredehoft Law Firm's office is located in Blue Springs.

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 (2)
Foley Law logo
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Foley Law

4016 South Lynn Court Drive, Independence, MO 64055
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Foley Law PC. is a bankruptcy law firm representing clients throughout the Missouri and Kansas areas. With an office in Independence, founding lawyer Rachel Folley concentrates on consumer bankruptcy. Her advocacy is on helping clients regain financial control. Rachel is the inaugural winner of the K. Colleen Nunnelly Award by the National Association of Consumer Bankruptcy Attorneys. She is also awarded by her peers as the Best of the Kansas City Bar in the area of bankruptcy.

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
Facebook
5.0 / 5 (29)
Google
5.0 / 5 (18)

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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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House Packard McElderry LLC logo
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House Packard McElderry LLC

104 West Kansas Street, Liberty, MO 64068
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

Serving residents near the Independence area, House Packard McElderry LLC is a law firm with bankruptcy lawyers dedicated to helping small businesses and individuals who are struggling financially. The firm has helped more than 7,500 clients find a fresh start through chapter 7, chapter 13, and chapter 11 bankruptcy filings. House Packard McElderry LLC's attorneys help clients eliminate their crushing debts, stop creditor harassment, potentially get rid of second mortgages, and save their homes from foreclosures.

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.
4.3
Avvo
5.0 / 5 (7)

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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Jennifer Benedict Law Office, LLC logo
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Jennifer Benedict Law Office, LLC

530 East 23rd Street South, Independence, MO 64055
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Jennifer Benedict Law Office, LLC is a small law firm based in Independence with more than 22 years of legal experience helping clients find relief from debts. After working for and representing creditors for more than a decade, bankruptcy attorney Jennifer Benedict now serves debtors. She helps clients file for chapter 7 or "liquidation" bankruptcies to discharge most of their debts or chapter 13 bankruptcies, which allow for a debt repayment plan over a period of time.

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
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
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Law Office of Leslie A. Williams logo
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Law Office of Leslie A. Williams

704 West Main Street, Blue Springs, MO 64015
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Law Office of Leslie A. Williams provides legal advice as a family, criminal defense, personal injury, and bankruptcy lawyer. The law firm represents clients in Blue Springs and surrounding areas such as Grain Valley, Higginsville, Independence, and Kansas City. Founding partner Leslie A. Williams assists clients in the right timing and the initial steps of debt relief. Prior to filing for chapter 7 or chapter 13 bankruptcy, Williams makes sure the clients understand the process.

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.
4.1
Google
4.0 / 5 (33)
Facebook
5.0 / 5 (15)
Yelp
3.0 / 5 (2)

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
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––
Missouri Bankruptcy Center logo
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Missouri Bankruptcy Center

136 East Walnut Street, Independence, MO 64050
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Chapter 11 Bankruptcy

Business Description

Independence-based Missouri Bankruptcy Center represents individuals and businesses in bankruptcy cases. Some of the bankruptcy cases handled by the center are Chapter 7, 11, and 13 bankruptcies, non-dischargeable debts, bankruptcy exemptions, and bankruptcy counseling. Ghafoor Cook Ellis LLC, the center's partner law firm, is represented by Attorney Coleman Ellis who has represented more than 2,000 debtors in various debtor and creditor rights, bankruptcy, and general business, and real estate transactions. Missouri Bankruptcy Center covers cases in Kansas City, Independence, St. Joseph, and surrounding areas.

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
4.3 / 5 (3)

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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W M Law logo
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W M Law

3720 Arrowhead Avenue, Independence, MO 64057
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

W M Law is a bankruptcy law firm located in Independence. Principal Jeff Wagoner and his team of legal professionals have handled more than 15,000 bankruptcy proceedings for families, individuals, and small businesses in the area. Wagoner possesses the legal expertise to handle matters concerning chapter 7, 11, 12, or 13 bankruptcy. During initial consultations, he advises each client on the legal options available to obtain debt relief. He can also help individuals decide on the type of bankruptcy that best suits their financial situation.

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
5.0 / 5 (84)

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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Watton Law Group logo
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Watton Law Group

1201 Walnut Street Suite 435, Kansas City, MO 64106
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Bankruptcy

Business Description

Watton Law Group has been serving clients in Independence for more than 25 years. It helps clients in reducing or eliminating their debts through chapter 7 or chapter 13 proceedings and custom-tailored debt relief plans. The firm also stops several creditor actions, such as foreclosures and repossessions. Its attorneys are active in consumer class action lawsuits against overcharging corporations and banks on a local and national level. They can represent clients in federal district courts and state courts where they are licensed to operate.

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
5.0 / 5 (163)

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
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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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