Types Of Debt

At Ledbetter Law Firm, LLC, we help our clients effectively and efficiently get rid of debt. We evaluate your unique circumstances, help you understand your position and your options, and work with you to lift the debt burden from your shoulders. Our experienced St. Louis bankruptcy and debt relief lawyers help our clients find a fresh start, free from creditor harassment and handicapping collection actions.

If bankruptcy isn’t the best type of debt relief for your legal or financial situation, we will let you know. And, we will help you obtain the debt relief that is best for your situation, whether that is through debt settlement, debt consolidation, credit counseling or bankruptcy.

Since 2003, our attorneys have helped thousands of people find debt relief and properly file for bankruptcy in eastern Missouri.

Dischargeable Debts (Unsecured Debts)

We can help you find relief from dischargeable debts, including:

  • Credit card debt
  • Medical debt
  • Tax debt that is more than three years old and some newer income taxes that meet certain criteria
  • Child support and domestic support obligations
  • Mortgage debt for properties that have been foreclosed upon
  • Vehicle debt for vehicles that have been repossessed or sold
  • Other debts for items that have been repossessed or sold

Dischargeable debts are those that are not tied to property as collateral, with the exception of student loan debts. Consult with an experienced bankruptcy attorney about the best possible debt relief strategy for you.

Call our law firm today at 314-602-1431 or 800-704-3214 toll free to speak with an attorney. We offer free initial consultations and can also be contacted by email.

Non-Dischargeable Debts (Secured Debts)

Non-dischargeable debts are secured to real property and personal property that has not been foreclosed upon, repossessed, sold or deeded back to a lender. As an exemption, student loans are also included in this category.

Other types of non-dischargeable debts include:

  • Mortgage debt
  • Vehicle loan debt
  • Furniture loan debt
  • Electronic equipment loan debt
  • Jewelry loan debt

If you have non-dischargeable debt that is weighing down your finances, we can help you determine if giving up the asset or restructuring the debt payments into a more affordable payment plan through negotiation with the lender is your best option.

We serve people throughout eastern Missouri, including clients from Jefferson County, Franklin County, St. Charles County, Washington County and many surrounding counties.

Call Ledbetter Law Firm | Free Initial Consultations

Schedule a consultation with a dedicated bankruptcy attorney today. Call us at 314-602-1431 or 800-704-3214 toll free, or contact us by email.

We are a debt relief agency. We help our clients file for bankruptcy relief under the Bankruptcy Code.