12 years prosecuting experience
Credit card debt skyrockets. Creditors call you nonstop. You hear more and more about foreclosure and wonder if it will happen to you. In the face of massive debt, these and other financial stressors become a part of your everyday life, and it can seem like there is no way to get your finances under control.
Troy Leavitt is an Blue Springs bankruptcy attorney, and he wants everyone in financial distress to know one thing — you have options. Troy helps clients throughout Missouri and Kansas use the bankruptcy process to obtain the debt relief they need to move on in their lives. He can help you too and will take the time to explain all of your options and how every option will affect you going forward.
Throughout your bankruptcy case, Troy will be at your side providing you with the personal service and dedicated attention you need. By drawing on his extensive legal experience, Troy will help you find the type of bankruptcy that best fits your situations and allows you to maximize your debt relief.
Chapter 7 bankruptcy is often referred to as a straight bankruptcy. Unsecured debt, such as credit card debt and medical debt, can be fully eliminated through a Chapter 7 bankruptcy. This process is much quicker than a Chapter 13 bankruptcy.
Chapter 13 bankruptcy establishes a payment plan that lets you consolidate your debt and make one monthly payment. This process lasts from three to five years during which time you will continue to make monthly payments to the bankruptcy trustee. A Chapter 13 bankruptcy allows you to become current on your mortgage payment, meaning you will be able to keep your house as long as you continue to make payments after the Chapter 13 process is complete. You monthly payment is based on many factors such as:
In an age where credit card interests rates can be as high as 27% and there is more than $870 billion of outstanding debt on credit cards in the United States, there is nothing shameful about utilizing the bankruptcy process. Bankruptcy is a government-approved debt relief tool.
Troy is available to discuss bankruptcy options when other lawyers are not, because he knows that life happens outside the 9-5 workweek. To arrange an appointment, call (816) 228-6000 or fill out his online form.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.