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Charles H. Lonardo, Attorney at Law
430 W 7th St
Joplin, MO 64801
Phone: 417-208-2678
Fax: 417-782-7461
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Joplin Chapter 13 And 7 Bankruptcy Attorney

Jasper County Debt Relief Bankruptcy Attorney

Any number of circumstances can lead to financial difficulties for Missouri residents. The loss of a job or reduction in pay, divorce, a medical emergency such as a sudden accident or diagnosis of a disease or condition can all leave someone with mounting medical bills or credit card debt. When a person is going through financial difficulties, it can be difficult for him or her to know when to reach out for help. There is no need to feel embarrassed about difficult financial circumstances; after all, you are certainly not alone. There is help available.

Joplin Chapter 13 And 7 Bankruptcy Lawyer

A Chapter 7 bankruptcy is often called a straight bankruptcy and is usually the option of choice for families and individuals with little to no assets. In a Chapter 7 bankruptcy, the majority of an individual's personal belongings are considered exempt. If there is secured debt, such as a mortgage or automobile loan, these assets will be reviewed by the bankruptcy court for possible liquidation in order to apply proceeds from the sale of these items to pay down debt. All other unsecured debt is usually discharged in about three to six months.

A Chapter 13 bankruptcy is considered a debt consolidation or restructuring-type bankruptcy as it allows the debtor to consolidate his or her debt and make one monthly payment toward that debt. A Chapter 13 bankruptcy is often the choice for families who wish to stay in their homes, but may be struggling to meet their monthly mortgage payments. This type of bankruptcy requires a steady income in which to meet the payment requirements set by the court. After a period of time, usually around five years, any remaining debt is discharged.

Contact Charles H. Lonardo, Attorney at Law

Either type of bankruptcy has income requirements or thresholds, and as an experienced bankruptcy attorney, Charles Lonardo can explain the options available to you under your specific circumstances. If you are facing a possible repossession or foreclosure, struggling with debt and unsure whether bankruptcy is right for you, contact Mr. Lonardo for a consultation. It could be your first step toward debt relief and financial peace of mind.

Located in Joplin, Missouri, Charles H. Lonardo, Attorney at Law, serves clients throughout Jasper County and the surrounding area, including Carthage, Webb City and Carl Junction. Call 417-208-2678 or contact him online to take the first step toward financial freedom today.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Charles H. Lonardo, Attorney at Law, is located in Joplin, Missouri, and serves clients in Carthage, Webb City, Carl Junction, Neosho and Stringtown, as well as those in Jasper County, Barton County, Vernon County, McDonald County and Newton County, Missouri.