Chapter 13

Bankruptcy is most people’s best legal option to climb up and out of a deepening debt hole. By discharging unsecured debts and restructuring secured debts, your credit will begin to improve following bankruptcy, and you will have funds available to catch up on secured debts such as:

  • Mortgage payments
  • Auto loans
  • Student loans
  • Other types of loans tied to property

Chapter 13 bankruptcy is specifically designed for people with incomes that are too high for Chapter 7 and to stop home foreclosure regardless of the value of the home compared to the mortgage value.

At Ledbetter Law Firm in St. Louis, we guide our clients through the process in an efficient and comprehensive manner. Our Chapter 13 bankruptcy lawyers have completed thousands of personal bankruptcy filings in eastern Missouri, helping clients reorganize debts and create more affordable three- to five-year repayment plans.

Call 314-602-1431 or 800-704-3214 toll free to schedule a free initial consultation with a lawyer at Ledbetter Law Firm.

We serve people from Jefferson County, Franklin County, St. Charles County, Washington County and many surrounding counties. Some clients come from more than 100 miles away for our services.

Why Choose Chapter 13 Bankruptcy?

There are certainly other forms of debt relief, but if you don’t qualify for Chapter 7 bankruptcy, there is no other type of debt relief that can offer you as much protection and immediately save your home from foreclosure at the same time.

Through a Chapter 13 repayment plan, we can also help you eliminate a second mortgage or a third mortgage without repayment. We are one of very few law firms in eastern Missouri that has had success in this area.

We can also stop property repossessions of vehicles, jewelry and other valuables. The automatic stay of bankruptcy protection also takes effect with a Chapter 13 filing, halting:

  • Levies
  • Garnishments
  • Lawsuits
  • Creditor harassment
  • All other types of collections

When you file for bankruptcy with our law firm, we customize your repayment structure and help you exit bankruptcy intact, with improving credit and on track with your bills.

Once your repayment plan is complete, you might be able to discharge all other remaining unsecured debts!

Our firm will handle all legal aspects of your case. We are your legal representatives, guides and advocates throughout the process.

Call Ledbetter Law Firm | Free Initial Consultations

Speak with an experienced Chapter 13 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.