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(417)
683-2987 •
1-888-SWATOSH (792-8674) • (417) 683-2985
223 S.E. 2nd St. • P.O. Box 190 • Ava, Mo. 65608 email: chris@swatosh.com |
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Our office understands that the decision to file for bankruptcy relief is not an easy one. It has been our experience over the years that those who find it necessary to file a bankruptcy action are honest hardworking people who have experienced a catastrophe or major life change which has made it extremely difficult or impossible for them to continue to pay their debt load. It is for persons such as yourself that bankruptcy was designed to give relief and a fresh start financially. Often our clients know a friend or family member who has "taken bankruptcy." Please do not obtain legal advice from these well-meaning folks as there is a lot of misinformation about bankruptcy and the applicable laws are constantly undergoing revision. If you choose to file bankruptcy, it is important to talk to an attorney who can guide you through the process and answer all of your questions with experienced advice. My staff and I can provide you with the support, compassion, understanding and experience to help guide you through this difficult time in your life. Please contact me for a free no obligation bankruptcy intake packet, which will allow me to better advise you and address your individual situation. Bankruptcy Links What Law Applies to Bankruptcy? What are the Kinds of Bankruptcy? How Does a Creditor Collect a Debt? What is a Secured Transaction? What is a Mortgage Foreclosure? |
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There
are two types of bankruptcy which are designed for the consumer
debtor, Chapter 7 and Chapter 13. I devote my practice to Chapter
7 only. A Chapter 7 bankruptcy is for debtors in financial difficulty
and who do not have the ability to pay their existing debts. The
purpose of a Chapter 7 bankruptcy is to obtain a discharge of
your existing debt, and to relieve you of the burden to repay
certain creditors. Debts for taxes owed, student loans, alimony,
child support, criminal restitution, and debts for death or personal
injury caused by driving while intoxicated are not dischargeable.