Bankruptcy

Bankruptcy

No one expects to have to file for bankruptcy relief. But, if you are struggling with debts that are growing out of control, it can feel like there is no other way out. Many life events can lead to the need to file bankruptcy. These can include; a serious auto accident, medical emergency, divorce, or loss of job.


Many people see bankruptcy as a last resort. But, it may actually be the best option for many people facing unpayable debts. This is especially true if you are facing a garnishment, repossession, or other difficulties.

The best thing a bankruptcy can do is stop the harassing phone calls from a collection agency. Using a qualified bankruptcy lawyer to help you will stop to these collection efforts.

Chapter 7 Bankruptcy

Many debtors may be eligible to file a fresh start bankruptcy under Chapter 7 of the Bankruptcy Code.

Chapter 7 bankruptcy is more often known as a “fresh start” bankruptcy. This is because you complete a Chapter 7 bankruptcy in a short period of time. In a Chapter 7 bankruptcy the trustee uses the non-exempt assets of a debtor to pay off the creditors. But, in most cases, debtors will not have any non-exempt assets to turn over to the trustee. Meaning, most people who file for bankruptcy do not lose any property. This is why it is important to hire a qualified bankruptcy attorney to protect your property.

Chapter 7 Bankruptcy


Chapter 13 Bankruptcy

Sometimes debtors may be better served by filing for Chapter 13 Bankruptcy protection. A Chapter 13 bankruptcy creates a payment plan to pay off some or all a debtor’s debts. This is helpful when an individual needs to catch up payments on a secured debt, such as a car or a home. It is also helpful if the debtor has property that is not exempt that they wish to keep. Chapter 13 may also be a good option for those debtors that do not qualify for a Chapter 7 due to income and the means test.

A Chapter 13 debtor will come up with a plan to pay off their debts in a structured manner. There are many factors which go to creating this plan. These factors can include the debtor’s ability to pay, equity in assets, and types of debts. But, in most cases, the payments made in bankruptcy will be less than trying to pay off the debts otherwise.

Chapter 13 Bankruptcy

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Professional Achievement

Selected by Super Lawyers in 2016 - Charles Lampin

Super Lawyers is a rating service of outstanding lawyers from more than 70 practice areas who have attained a high-degree of peer recognition and professional achievement.

Professional Achievement

Charles Lampin

Demonstrating High Ethical Standards and Integrity- An AV rating ® signifies a lawyer who has achieved an elite status that far surpasses many others.

Professional Association

Michael Boyd and Ross Buehler

MACDL is dedicated to protecting the rights of criminally accused through a strong and cohesive criminal defense bar. They strive to improve the quality of justice in Missouri by seeking to ensure fairness and equality before the law.

Professional Association

Ross Buehler

As a member of NACDL, Ross Buehler and our entire criminal defense team work to ensure justice and due process to those accused of crimes or misconduct.

Professional Achievement

Michael Boyd

The National Trial Lawyers: Top 40 under 40 is composed of the top trial lawyers from each state or region who are under the age of 40. Membership is by invitation only and is extended exclusively to those trial lawyers practicing civil plaintiff and/or criminal defense law.

Professional Achievement

Charles Lampin

By invitation only, those included in the Top 100 trial Lawyers by The National Trial Lawyers demonstrate superior legal advocacy skills, have a stellar reputation, and have a positive impact on their community.

National Asbestos/Mesothelioma

Trial Lawyers

The National Asbestos/Mesothelioma Trial Lawyers Association is a networked group of attorneys representing patients who were made sick through no fault of their own. The goal is to enable members to draw upon the specialty association’s strong training, educational and networking resources so they may have benefits that were either unavailable or difficult to find on their own.

Professional Achievement

Michael Boyd

Recognizes attorneys for their excellence in their field and have achieved unparalleled success for the benefit of their client. Membership is an exclusive honor and extended only to those selected few who have reached the top of their profession while doing so with the client’s satisfaction being of the most paramount importance.

Professional Association

Charles Lampin

The mission of the American Association for Justice is to promote a fair and effective justice system—and to support the work of attorneys in their efforts to ensure that any person who is injured by the misconduct or negligence of others can obtain justice in America’s courtrooms, even when taking on the most powerful interests.

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