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Bankruptcy

Jefferson City Bankruptcy Lawyers

The First Step to a Healthy Financial Future

Bad things happen to good people all the time. Job loss, divorce, medical emergencies and other unexpected situations can cause debts to spiral out of control. That does not make you a bad person. Neither does filing bankruptcy. It simply makes you a person who wants to take the first step to a healthy financial future, because that is exactly what bankruptcy provides.

Bankruptcy can:

  • Stop creditor harassment
  • Stop foreclosure
  • Stop repossession
  • Stop wage garnishment
  • Stop collection lawsuits

At Hanrahan & Nacy, our lawyers will help you determine if bankruptcy is right for you.

Addressing Your Financial Concerns

Will I lose my property? You will most likely be able to keep the property you want to keep. Missouri law controls what property is exempt from creditors in the bankruptcy process. Most of your personal items, as well as appliances and furniture, are exempt. Your car and home may be as well, depending on their value.

What will I have to pay? Depending on your situation, and every situation is different, you may not have to pay any of your unsecured debts. These include credit card debts and medical debts. You may have to pay secured debts attached to property you want to keep.

Will I ever be able to get credit again? Yes. Since bankruptcy leaves you with little to no debt, your debt-to-income ratio will look much more appealing to creditors.

Types of Bankruptcy

Our debt relief lawyers handle all types of bankruptcy, including:

You have probably seen advertisements for debt consolidation companies. These companies contact your creditors and try to negotiate lower payments. “Try” is the key word. They have no legal standing to force your creditors to do anything. As they try though, they charge you money. That money will not get refunded even if the company ultimately does nothing for you. Bankruptcy is the only certain way to get a fresh start.

Free Consultation With a Missouri Consumer Bankruptcy Attorney

Call 573-636-7900 or contact us via e-mail to schedule a free consultation with a Jefferson City bankruptcy attorney.