If your debts have gotten out of control, bankruptcy may be the right choice for you and your situation. You need an experienced attorney to help you determine if bankruptcy is the best course, or if there are other options. That's why clients have trusted Harness Law Office LLC for over 25 years with their bankruptcy needs. 75 percent of our practice involves Chapter 7 or Chapter 13 Bankruptcy cases.
Attorney R. Scott Harness is with you every step of the way, from when you walk into our offices to when your case is finally closed. We will answer all your questions. Call us for a FREE consultation about your bankruptcy options!
Chapter 7 Bankruptcy Filings
Also known as a liquidation bankruptcy, Chapter 7 allows you to get rid of your unwanted debts so you begin to rebuild your financial life. The Court will resell your non-exempt property and discharge your unwanted debts such as credit cards, medical bills, repossessions, personal loans, wage garnishments, and more. In some situations, you may be able to keep a home or an automobile as long as you continue to maintain on-time payments on it. The process usually takes about 100 days from filing to completion.
Chapter 13 Bankruptcy Filings
Chapter 13 is also known as debt repayment or debtor in possession bankruptcy. You are required to make monthly payments on debts over a 3- to 5-year period. You are also allowed to keep your property. This is usually an option taken by people who can handle making monthly payments but cannot pay unsecured debts such as credit cards. Often people file for Chapter 13 when they've suffered a temporary loss of income that has left them behind on house or car payments.
Chapter 13 allows you to restructure your debts so you are no longer subject to collection efforts. It stops harassment from your creditors and prevents them from suing anyone who is a co-debtor or cosigner on your debt.
Actions You Should Take If You Are Thinking About Bankruptcy
Save your payroll stubs and documentation showing your earnings and deductions
Save all your receipts to show where your money is going
Get your credit report for an accurate listing of creditors, their judgments against you, and their contact information (Credit reports can be obtained at http://www.annualcreditreport.comfor no charge)
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. The information contained on this web site is for general purposes only. This is not formal legal advice. No formation of an attorney/client relationship should be construed or inferred.
The choice of a lawyer is an important decision and should not be based solely upon advertisements.
Call Us for a FREE Consultation Today!
About Harness Law Office LLC
Harness Law Office LLC is a family owned and operated firm with over 25 years of legal practice in Jefferson, St. Francois, Ste. Genevieve, Franklin, and St. Louis Counties. You always get one-to-one service with R. Scott Harness from start to finish for your case.
We are also members of the Crystal City Rotary Club, Elks Lodge, Masonic Lodge, and AMVETS.