Relieve Your Debts And Start A New Chapter

Times are tough. This economy has left many good, hardworking people with more bills than they can handle. Layoffs, medical issues and general bad luck have caused countless people to struggle to make ends meet.

If your bills are piling up without any hope of paying them all, The Lichtenegger Law Firm can help. The law provides good people with an opportunity for a financial fresh start through bankruptcy. By filing bankruptcy, you can end those debt collections, stop wage garnishments, and get yourself free from the stress of stacks of bills.

For answers to some of your biggest bankruptcy questions, visit our bankruptcy FAQs page.

Chapter 7 Vs. Chapter 13 Bankruptcy

During your first visit, we walk you through all your debt relief options so you can choose what is best for your situation. The two most common forms of consumer bankruptcy are Chapter 7 and Chapter 13.

  • Chapter 7 bankruptcy essentially eliminates many of your debts, and is the most common form of bankruptcy. However, you must fall below a certain income threshold to qualify, and without an experienced attorney you may lose some of your assets.
  • Chapter 13 bankruptcy consolidates your debts into a repayment plan with terms you can actually afford, and you could have debt discharged if there is anything remaining at the end of the plan. Chapter 13 allows you to make more manageable payments on your debt, and allows you to keep all of your assets through the repayment program.

Visit our office in Jackson to discuss these options and more and begin your path to a fresh financial start.

Put A Stop To Creditor Harassment

There are laws in place, in Missouri and across the country, to end the harassing tactics of creditors once you file for bankruptcy. Endless phone calls, wage garnishment, foreclosures — once you begin the bankruptcy process, an automatic stay goes into effect which requires creditors to stop any and all of these actions. This is the first major step to reducing your stress load and starting your new chapter.

You Could Keep Your House Or Car — Call Today

One of the biggest bankruptcy misconceptions is that you automatically lose your house or car. However, this is simply untrue. With proper planning and a knowledgeable bankruptcy lawyer by your side, you can keep your most important assets through bankruptcy.

For answers to some of your biggest bankruptcy questions, visit our bankruptcy FAQs page, or contact our firm at 573-755-0403 to get started with a free 30 minute consultation.