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Phone: (314) 344-0800
Castle Law Office of St. Louis, P.C.
"Doing Nothing Changes Nothing" - St. Louis Bankruptcy Attorney, James Brown

Experienced St. Louis Bankruptcy Lawyers Helping You Find Debt Relief

Are you a resident of the St. Louis metropolitan area who is struggling with debt? When you are a hard-working, honest individual, it can be devastating when one unfortunate event results in a snowball effect of bad luck. Most people are driven to file bankruptcy because of an unexpected event in their life. Perhaps your spouse lost his job, and though you fight to keep your head above water financially, your car has been repossessed, debt collectors won't stop calling, or the threat of foreclosure is looming over your family’s home.

At Castle Law Office of St. Louis, P.C., our bankruptcy lawyers have represented thousands of clients facing bankruptcy in Missouri. Attorney James Brown, the founder of Castle Law, has over 20 years of experience helping residents of the St. Louis metro area who are facing severe financial troubles and helping make their life manageable again.

Bankruptcy Can Give You a Chance at a Fresh Start

Some people feel that filing for bankruptcy means that they have failed, but now, especially after enduring the recession, it's becoming more acceptable and an excellent option for some individuals. Filing for bankruptcy does not make all of your problems disappear, but it does make things a lot easier by providing you with the hope you probably haven't had in a long time. Bankruptcy sets you up for success and gives you options for paying off your debts, rather than ignoring the phone calls from debt collectors and letting your pile of bills grow every month.

Filing For Chapter 7 or Chapter 13 Bankruptcy in St. Louis

The type of bankruptcy you choose to file for will primarily depend on your current cash flow. Your ability to earn money on a consistent basis will also play a part in how your debts are paid. For example:

  • Chapter 7 Bankruptcy is also known as liquidation bankruptcy and allows you to discharge debts and bills and not have to pay them back. In most situations, you are able to keep your possessions. This is often a good option for someone who does not have a steady or reliable source of income.
  • Chapter 13 Bankruptcy allows you to consolidate your debt and create a payment plan to pay back a certain portion over time, usually three to five years. This is an excellent option for someone who does not qualify for Chapter 7, has a reliable source of income and wants to reorganize monthly bill payments in a way that he can afford without sinking further into debt every month.

Our bankruptcy lawyers will be able to determine which form of bankruptcy is right for you and guide you through the entire process.

Wage Garnishment, Debt Collector Harassment, Foreclosure, and Repossession

When you're in major debt, there are other repercussions that may need to be dealt with as well. If you are facing all of these issues, or just one, Castle Law Office can help.

  • Wage Garnishment Wage garnishment can only happen as the result of a court order, but if it's affecting your ability to pay your other bills, something needs to be done. Let us help you stop your wage garnishment.

Learn more: How to stop a wage garnishment in Missouri

  • Debt Collection Harassment If a debt collector is making harassing calls or threats, he may be violating the Fair Debt Collection Practices Act (FDCPA). Even if you owe money, you can still take the debt collector to court for damages.

Learn more: Find out how quickly you can sue a debt collector, end harassing calls, and get $1,000 in your pocket 

  • Foreclosure Missouri foreclosure proceedings can begin after your mortgage payment is 90 days late. Whether you have been notified that your property is going to be foreclosed on, or you're just worried it's about to happen, we can act on your behalf to help you avoid foreclosure and keep your property.

Learn more: How to avoid foreclosure in Missouri and keep your home

  • Repossession Even if you're late with your car payment, it's often in a bank's best interest to negotiate the terms of your loan rather than repossessing your car and selling it for a loss at a used car auction.

Learn more: What happens to your car after it has been repossessed in Missouri? 

Our Law Firm Provides Big Results with a Small Firm Feel

Do you feel that lawyers and attorneys are only about the almighty dollar? Have you sought legal assistance in the past and felt like you were "just another case number"? Are you nervous that if you seek out legal assistance you're going to get the runaround?

With Castle Law, you shouldn't be nervous. Our goal is to help our clients by providing the type of assistance that only experienced lawyers can provide to those struggling with debt. At Castle Law Office of St. Louis, P.C., we strive to get you the financial results that you deserve, but strive equally as much to make our clients in St. Louis, Wentzville, and throughout Missouri as comfortable as they can be. 

Contact Castle Law Office of St. Louis for a Free Consultation

If you are feeling buried by a mountain of past due bills or are receiving threats from debt collectors and need to know your options, contact attorney James Brown at Castle Law today by calling 314-344-0800 or filling out a contact form on our website for a free legal consultation. 

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James R. Brown
President and Principal Attorney at Castle Law Office

Chapter 7 Bankruptcy

Chapter 7 Bankruptcy

Do you know how filing Chapter 7 bankruptcy can help improve your financial situation? You have probably heard many myths about bankruptcy, such as "you will lose everything." That is definitely not the case as long as you retain the services of an experienced bankruptcy attorney.

Chapter 13 Bankruptcy

Chapter 13 Bankruptcy

Are you worried you will lose the home or vehicle you've worked so hard for because of foreclosure or repossession? A chapter 13 may just be the answer you are looking for to help you quickly save your home or vehicle from being taken.

 

Wage Garnishment

Wage Garnishment

Wage garnishment can make tough times even worse. If you are being affected by garnishments and cannot provide for your family, call us today. We can show you how to get your life back on track.

Debt Collection Abuse

Debt Collection Abuse

If you're getting harassing phone calls from debt collectors at all hours of the day and night, the Fair Debt Collection Practices Act (FDCPA) gives you a way to stop them. The FDCPA gives you the right to sue collection agencies for up to $1,000 in statutory damages, plus actual damages and no attorney fees.

Repossession

Repossession

If you haven’t been able to make car payments due to financial reasons beyond your control, we can stop the Repo Man and help you keep your car. Call us today for a free consultation.

Foreclosure

Foreclosure

Millions of Americans continue to lose their homes due to foreclosure. If your family is facing foreclosure in St. Louis and risks living on the street, contact our Missouri bankruptcy law firm today. We can help!

Credit Card Debt

Credit Card Debt

Struggling to pay credit card bills? Not answering the phone because you're tired of hearing from bill collectors? Need options? Contact St. Louis attorney Jim Brown to learn how filing Chapter 7 bankruptcy in Missouri may be able to help. It's time to take your life back and stop the harassing phone calls from creditors today.

Medical Bills

Medical Bills

Unexpected medical bills can ruin your financial future. If you’ve been suffering under the stress of medical debt, there are options for relief that can keep your family at home without losing everything. Our St. Louis bankruptcy law firm has helped numerous people get rid of debt from medical bills.

Job Loss

Job Loss

Have your hours been cut back because business has been slow or, even worse, have you lost your job? Don’t know how you’re going to pay your bills? Keep a roof over your head? We can help you get your life back. Contact a St. Louis job loss lawyer at Castle Law Office today to learn how filing bankruptcy can help you after loss of employment.

MATA Helping to Balance The Scales Of Justice Bankruptcy Attoney of the Year National Association of Consumer Advocates