St. Louis Bankruptcy Lawyer
If you’re facing serious debt, wage garnishment, or foreclosure threats, it may be time to meet with our St. Louis, MO bankruptcy lawyer. At Pioletti Pioletti & Nichols, we’ve been helping individuals and families find lasting debt relief since 1938. We have offices serving both Illinois and Missouri, including our location on Clayton Road in St. Louis. Contact us today to schedule a consultation and discover how we can help.
St. Louis, MO Bankruptcy Lawyer
Our St. Louis bankruptcy lawyer provides legal guidance to individuals or businesses looking for protection from debt through Chapter 7 or Chapter 13 bankruptcy filings.
Chapter 7 allows for the discharge of certain unsecured debts, typically within four to six months, while Chapter 13 offers a structured repayment plan over three to five years. Determining which option works for your situation depends on factors like your income, assets, and long-term financial goals.
If you’re being hounded by creditors, have fallen behind on mortgage or car payments, or are afraid of losing your property, the stress of it all becomes unbearable. We know what you really want is clarity and relief. And a way forward. With guidance from our firm, you can stop collection calls and protect your peace of mind.
As soon as we file your case, the automatic stay goes into effect, which legally stops foreclosure proceedings, wage garnishments, and creditor harassment. We’ll walk you through every step, from the required credit counseling sessions to the trustee meeting and final discharge. We also help identify which assets are protected under Missouri exemptions and how to apply those protections effectively.
Why Experience Matters In Bankruptcy Law Cases
Choosing a legal team with decades of focused bankruptcy experience can give you peace of mind that your case is handled correctly from the start. Our firm has been serving clients since the 1930s, and we take pride in offering personalized service backed by deep legal knowledge. Here’s what sets our team apart:
- Over 85 years of combined experience in bankruptcy and consumer law
- Attorneys educated at respected institutions including George Mason University and The John Marshall Law School
- Strong client relationships, with testimonials praising our attentiveness and professionalism
- A history of successful outcomes, including clients keeping their homes while catching up on mortgage payments
- A consistent record of helping individuals stop garnishments, discharge debt, and move forward with financial confidence
One client recently shared, “Attorney Irubiel Ferrer was easy to work with when filing for bankruptcy. Appointments available almost immediately and explanation of process was thorough and easily understood. Thank you for your assistance!” – Jessica Jackson
Many people worry that filing for bankruptcy means they’ll lose everything. In reality, most of the time, individuals are able to keep their home, car, and essential personal belongings. Missouri has state exemptions that allow you to protect certain property up to a specific value. Our experienced attorneys can identify what property can be preserved and help you use the law to your advantage.
Filing may also allow you to catch up on missed mortgage payments, strip away certain liens, or discharge old tax debt in some cases. When used strategically, bankruptcy can be a powerful way to reset your finances and begin rebuilding.
Take Control Of Your Financial Future
At Pioletti Pioletti & Nichols, we’re committed to helping you find practical legal solutions to your debt problems. Contact our St. Louis bankruptcy attorneys today to start rebuilding your financial life with confidence.
