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Obstacles and Alternatives

Anticipating and Avoiding Problems in Bankruptcy

Bankruptcy won't always provide the complete answer to financial stress. Certain debts can't be discharged. The timing of certain financial transactions might damage your bankruptcy case. In some situations, bankruptcy won't even be your best alternative.

To find out whether your situation will present any problems or complications in Bankruptcy Court, talk to a lawyer who knows how to identify potential difficulties and resolve or avoid them entirely. Contact Affordable Bankruptcy in St. Louis to get straight answers and resourceful solutions to debt problems such as the following:

  • State or federal tax debts
  • Student loans
  • Mortgage debt
  • Credit card bills
  • Personal guaranties of business debt
  • Repeat bankruptcy filings
  • Debts related to fraud or drunk driving

Bankruptcy law provides for debtors, creditors and trustees to fight it out in court over such disputes as the dischargeability of a particular debt, the debtor's right to a discharge, the debtor's eligibility to file under a certain chapter, or the validity of a transfer from the debtor prior to bankruptcy.

The rules relating to any of these can be highly complicated, and we have found over the years that our clients are best served when we identify and address potential problems before the bankruptcy case is even filed. As a result, we rarely need to defend the actions of our clients in court. We much prefer to set your case up for smooth and uneventful progress from the filing of the petition to your final discharge.

We also advise our clients about bankruptcy alternatives ranging from debt consolidation to a reverse mortgage. If there's a better way to resolve your debt pressure than Chapter 7 or Chapter 13, we'll let you know and show you how to put your strategy in motion. Because you can only get a discharge in bankruptcy once every eight years, we'll advise you about your alternatives if bankruptcy isn't the best solution for you right now.

Call 866-793-6347 to discuss your case with a Missouri bankruptcy lawyer

For further information and dependable legal advice tailored to the demands of your financial situation, contact an experienced attorney at Affordable Bankruptcy in St. Louis.

The attorneys of Affordable Bankruptcy in St. Louis represent Chapter 7 and Chapter 13 clients in cases filed in the U.S. Bankruptcy Court for the Eastern District of Missouri. Our clients come from such communities as St. Charles, Wentzville, Park Hills, Farmington, Perryville, Wildwood, O'Fallon, Ballwin, Warrenton, Washington, Sullivan, Hillsboro, Eureka, Fenton, St. Peters, Union, the City and County of St. Louis, St. Charles County, Lincoln County, Warren County, Washington County, Franklin County and Washington County.