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Filing bankruptcy and still paying debt back

St. Charles: 1861 Sherman Dr, St. Charles, MO 63303 (at Hwy 94 and Hwy 270, next to Restaurant Ginghams)
South & Jefferson County: 7321 S. Lindbergh Ave., St. Louis, MO 63125, Suite 222 (at the corner of Linderbergh and Lemay Ferry Rd, across from the South County Mall, inside the Lindergh Building, by appointment only)
St. Louis: 3470 Hampton Ave., Suite 101, St. Louis, MO 63109 (close the Hampton and Chippewa, by appointment only)
Florissant: 1281 Graham Rd., Suite 300, Florissant, MO 63031 (at Hwy 270 and Graham Rd/ N. Hanley Rd, inside First Bank Building, third floor, by appointment only)
Granite City:  3600 Nameoki Rd, Suite 201, Granite City, IL 62040 (across from Shop'n Save, inside First Bank Building, second floor, by appointment only)


I owe all of my creditors and I want to pay them back. What can I do?

Many people struggle with the idea of incurring debt and not paying their creditors back. Sometimes you cannot afford to do so and the Chapter is a good option. However, sometimes a client comes in who can afford to pay the creditors back just not all at the same time with garnishments, etc. This client is not out of options.

A Chapter 13 can be used as a full repayment plan over 36-60 months where all creditors are being paid in full over the span of the Chapter 13 plan. This would include all unsecured debt, priority debt such as taxes, and secured loans such as car loans as well as any late payments that may be owed on your mortgage.

Even though your income makes you eligible for a Ch 7 does not necessarily mean you can file one. If your income and expenses show that you can afford to pay back your creditors over a period of time then the trustee will want you to do so.

The decision to file bankruptcy is an important one and should not be made without first consulting with a bankruptcy attorney to determine which option is best for you. We offer a free consultation where you can come in and meet with one of our attorneys to go over what options you have.


For Current Clients



Our Locations

St. Charles Office

1861 Sherman Drive
St Charles, MO 63303
Phone: 636-916-5400

At Hwy 94 and Hwy 70.

Get Directions | See Detail

St. Louis Office

3470 Hampton Ave, Suite 101
St. Louis, MO 63109
Phone: 314-353-0834

Close to the corner of Hampton Ave and Chippewa. By appointment only.

Get Directions | See Detail

South & Jefferson County office

7321 S. Lindbergh Ave., Suite 222
St. Louis, MO 63125
Phone: 636-916-5400

Across the South County Mall.

Get Directions | See Detail

Florissant Office (North County)

1281 Graham Rd, Suite 300
Florissant, MO 63031
Phone: 314-921-1880

At North Hanley and Hwy 270.

Get Directions | See Detail

Belleville Office (St. Clair county)

2 Park Place Professional Centre
Belleville, Illinois 62226
Phone: 618-977-9560

On Hwy 159, next to Schnucks.

Get Directions

Granite City Office (Madison County)

3600 Nameoki Rd, Suite 201
Granite City, IL 62040
Phone: 618-977-9560

Across Shop'n Save, by appointment only.

Get Directions | See Detail

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