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Bankruptcy Guide and Forms Package for Chapters 7 or 13 for Eastern District of Missouri - Missouri

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The document is a Bankruptcy Forms and Information Package from U.S. Legal Forms™, Inc. for individuals in the Eastern District of Missouri, detailing the procedures and requirements for filing Chapter 7 or Chapter 13 bankruptcies. It emphasizes the importance of legal representation, outlines the differences between the two chapters, and provides guidance on necessary forms and exemptions. The document also includes login information for accessing the package online and warns that U.S. Legal Forms™ does not provide legal advice.

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What are the qualifications for Chapter 7?

Who Qualifies for Chapter 7 Bankruptcy? The average of your monthly income in the previous six months must be lower than the median income for the same-sized household in your state; otherwise, you must pass whats known as a means test. You cant have filed for Chapter 7 bankruptcy in the previous eight years.

How do I file Chapter 13 bankruptcy in Missouri?

Steps to Filing Bankruptcy in Missouri Put Your Bankruptcy Documents Together. Get Credit Counseling. Fill Out Your Forms. Pay Your Filing Fee. File Your Bankruptcy Forms in Court. 6. Mail Materials to Your Bankruptcy Trustee. Take Your Next Bankruptcy Course. Go to Your 341 Meeting.

What kind of debt does Chapter 7 cover?

What Debts Are Discharged in Chapter 7 Bankruptcy? A Chapter 7 bankruptcy will generally discharge your unsecured debts, such as credit card debt, medical bills and unsecured personal loans. The court will discharge these debts at the end of the process, generally about four to six months after you start.

How hard is it to file bankruptcy in Missouri?

In most respects, filing for bankruptcy in Missouri isnt any different than filing in another state. The bankruptcy process falls under federal law, not Missouri state law, and it works by unwinding the contracts between you and your creditorsthats what gives you a fresh start.

How much money can I have Chapter 7?

If you declare bankruptcy, will you lose literally every dollar that you have in your savings? The answer is no: some cash can be exempted in a Chapter 7 case. For example, typically under Federal exemptions, you can have approximately $20,000.00 cash on hand or in the bank on the day you file bankruptcy.

What is the downside of filing Chapter 13 bankruptcy?

Its a Long Term Commitment Filing Chapter 13 bankruptcy requires you to make a long-term commitment to the process. Tough To Get Credit or a Mortgage for 7 Years Other impacts include the inability to get credit cards at a good rate, and filing Chapter 13 makes it tough to get a mortgage.

What is Chapter 7 bankruptcy used for?

Chapter 7 provides relief to debtors regardless of the amount of debts owed or whether a debtor is solvent or insolvent. A Chapter 7 Trustee is appointed to convert the debtors assets into cash for distribution among creditors.

What is Chapter 13 bankruptcy Missouri?

Chapter 13 - Adjustment of Debts for an Individual with Regular Income: This Chapter of the U.S. Bankruptcy Code provides a court-supervised method for a debtor to pay back creditors over a period of time of up to five years. The debtor files a plan for repayment with the bankruptcy petition or soon thereafter.

What is a typical Chapter 13 payment?

If you filed for bankruptcy to avoid foreclosure or are behind in house payments, your Chapter 13 plan payment could be more or less $1500 per month. Additionally, high income, high debt Chapter 13 filers would usually be required to make payments between $2000 and $3000, or even more.

Is it better to file Chapter 7 or 13?

Most consumers opt for Chapter 7 bankruptcy, which is faster and cheaper than Chapter 13. The vast majority of filers qualify for Chapter 7 after taking the means test, which analyzes income, expenses and family size to determine eligibility.

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