Expertise.com

Best Bankruptcy Attorneys in Ofallon

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Bankruptcy Attorneys FAQs

Learn more
Baro Law Firm logo
Visit WebsiteWebsite

Baro Law Firm

1605 North Highway 67, Florissant, MO 63031
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Baro Law Firm is a solo practice founded by Attorney Kimber H. Baro, a bankruptcy attorney with more than three decades of experience helping individuals and couples resolve their debt problems. The attorney has helped clients avoid harassment from their creditors and discharge their debts through Chapter 7 bankruptcy. Ms. Baro has also supported other clients through Chapter 11 bankruptcy when they have the ability to repay their debts through a negotiated repayment plan.

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.
4.7
Yelp
5.0 / 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
Floodman Law LLC logo
Visit WebsiteWebsite

Floodman Law LLC

1031 Peruque Crossing Court, O'Fallon, MO 63366
Visit WebsiteWebsite
  • Debt Settlement

Business Description

Floodman Law LLC is a solo practice founded by Attorney William Floodman III, who has more than 15 years of experience practicing law throughout Missouri. Operating from his offices in O'Fallon, the attorney practices several areas of law, including bankruptcy. His typical clients are individuals who are no longer able to pay their debts and require the skills of an attorney who can either discharge debts through Chapter 7 bankruptcy or restructure them through Chapter 13 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.
4.2
Google
4.0 / 5 (8)
Avvo
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Lampin Law Firm logo
Visit WebsiteWebsite

The Lampin Law Firm

5770 Mexico Road, St. Peters, MO 63376
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The attorneys at The Lampin Law Firm share more than 150 years of experience practicing law in Missouri. Their experience includes serving consumers and small businesses whose debts have become overwhelming. The firm's attorneys can discuss the forms of bankruptcy each client is eligible for and, in some cases, bankruptcy alternatives, such as negotiating with a creditor outside of bankruptcy. The Lampin Law Firm also practices personal injury, DWI, 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.
4.8
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)

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
Visit WebsiteWebsite

Watton Law Group

800 Market Street, St. Louis, MO 63101
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Bankruptcy

Business Description

Watton Law Group is a team of bankruptcy lawyers serving clients in Ofallon. For over 25 years, the law firm has been assisting people who are facing financial difficulties file bankruptcy protection under chapters 7 or 13. Its lawyers also conduct a thorough financial analysis and develop a customized strategy to help clients regain financial stability. Michael J. Maloney, the firm's bankruptcy department head, earned his law degree in 2004. He is also admitted to practice in Wisconsin and Utah.

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 (302)

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
Westbrook Law Group, LLC logo
Visit WebsiteWebsite

License Verified:

License: 59400

The Missouri Bar

Westbrook Law Group, LLC

515 Jefferson Street, Saint Charles, MO 63301
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Credit Card Debt
  • Debt Settlement

Business Description

The Westbrook Law Group is a private practice founded by Attorney Brent Westbrook, who focuses the practice exclusively on supporting clients who need to find a way out of their debt problems. He's been helping individuals and couples with debt problems for more than 14 years. Services have included preventing creditors from harassing his clients, negotiating debt repayment plans, and discharging debts when the client is completely unable to pay.

License Verified:

License: 59400

The Missouri Bar

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 (26)
Yelp
5.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Wibbenmeyer Iannelli Law, LLC logo
Visit WebsiteWebsite

Wibbenmeyer Iannelli Law, LLC

1049 1st Capitol Drive, Saint Charles, MO 63301
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

Wibbenmeyer Iannelli Law LLC is a small law firm located near O'Fallon that only deals with matters concerning bankruptcy law. Attorney Brandee D. Iannelli is a 2014 William Mitchell College of Law graduate who can represent clients in state courts and district courts in the Eastern District. Ms. Iannelli can advise and assist individuals on Chapter 7 bankruptcy. This can include preventing their creditors from harassing them and discharging most or all of their debts.

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
4.3 / 5 (11)
Avvo
3.0 / 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.
4.0
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.

Read all FAQs