Committed to Debt Relief
When you are struggling to keep up with credit card payments, your mortgage, car payments and other debt, you may feel like your life is being controlled by your creditors and that you are at their mercy. You owe it to yourself to explore your options for debt relief, including bankruptcy. At the Law Offices of Carla J. Zolman, L.L.C., our bankruptcy attorneys can help you get your life back. We represent clients in St. Louis, St. Charles, Jefferson County, and surrounding areas of Missouri.
Combining in-depth knowledge of bankruptcy law with strong problem-solving skills, our lawyers can help you resolve your credit card debt and other financial issues. If you are facing a foreclosure, we can help you save your home. We can also protect your car from repossession.
We can put a stop to creditor harassment. Once you file for bankruptcy, your creditors must immediately cease collection activities. We understand the financial struggles you are facing, and our priority is helping you get past them. Contact us for a free initial bankruptcy consultation to discuss your unique debt situation. Call us at 314-549-8985 or send us an e-mail.
Dealing with Debt
To help you achieve financial freedom, we need a clear picture of all of your debts, including that arising from credit card debt, medical bills and other outstanding debts. We can help you get ready for bankruptcy by collecting all your financial records. Once we have a list of your debts, we can help you eliminate them through Chapter 7 or restructure them through Chapter 13 bankruptcy.
After thoroughly examining your financial situation, we can help you decide which type of bankruptcy is right for you. We will explain the differences between Chapter 7 and Chapter 13 and help you determine if you qualify for Chapter 7, a liquidation bankruptcy.
Through Chapter 7 you can discharge unsecured debts like:
- Credit card debt
- Utility bills
- Medical expenses
- Past rent
If you do not qualify for Chapter 7 under the means test or you have significant assets, we can help you investigate the possibility of creating an affordable repayment plan for your debts through Chapter 13. Also known as "reorganization bankruptcy" or "wage earner" bankruptcy, Chapter 13 allows you to pay back a percentage of your debts over three to five years.
However complex your debt issue, we will work with you to manage it. You can rely on us to pursue the best possible outcome for you. Contact us today to discuss your case. Send us an e-mail or call us at 314-549-8985.
*We are a debt relief agency. We help people file for bankruptcy relief under the bankruptcy code.
