St. Louis Consumer Chapter 13 Bankruptcy Lawyer

St. Louis County Foreclosure Avoidance Lawyer

For individual consumers who are experiencing the anxiety and stress of excessive debt, Chapter 13 reorganization bankruptcy offers a way to help you get out from under your debt. Chapter 13 can be especially helpful when you have assets that you wish to retain and protect from taking by creditors, such as your home or car.

At the Law Offices of Steven K. Brown, our St. Louis consumer Chapter 13 bankruptcy attorney has been helping people create solutions to difficult debt situations for over 35 years. Let us put our skill and experience to work for you. We understand the toll that living under excessive debt can take on individuals and families and we are committed to helping our clients find the paths that will help them get a fresh start.

Chapter 13 Bankruptcy Reorganizes and Alleviates Your Debt

Chapter 13 bankruptcy reorganizes your debt in such a way as to better accommodate the realities of your ability to pay. Over a three to five year repayment plan, debts are paid off, reduced, eliminated or brought current. Like Chapter 7 bankruptcy, Chapter 13 employs a means test. Here the means test is used, in part, to determine what percentage of your unsecured debts you can reasonably afford to pay back.

During the debt repayment period, secured debts are brought current. This aspect, combined with the automatic stay on all collection activities that is part of bankruptcy in general, gives Chapter 13 bankruptcy tremendous power to fight foreclosure and repossession.

Additional benefits of Chapter 13 include the possibility of lowering your car payment, spreading out payment of non-dischargeable tax debt, dealing with non-dischargeable student loans in ways that fit your budget.

Are You Facing Foreclosure or Repossession?

If you are facing a financial emergency such as the foreclosure of your home or the repossession of a vehicle, we can perform emergency filings that can help put a stop to those activities. Even in situations with very short notice, we may be able to take action that will put a stop to these extreme collections actions.

Contact Us

For bankruptcy representation that will put you first and help you get the most benefit you possibly can from the Chapter 13 bankruptcy process, call 314-732-0476, toll free at 888-894-8810 or simply contact us online to schedule your free initial consultation with our Missouri bankruptcy lawyer.


We are a Debt Relief Agency under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 as defined in 11 U.S.C.S. § 101(12A) of the Bankruptcy Code.
This site and any information contained herein are intended for informational purposes only and should not be construed as legal advice. Seek competent counsel for advice on any legal matter.