Bankruptcy Law

This is a difficult time in your life. You are likely facing a great deal of uncertainty and your financial problems may seem insurmountable. You do not have to face filing bankruptcy alone with the guidance of our bankruptcy attorneys.

Reynolds & Gold Law is ready to help you. We can offer cost-effective solutions to your debt problems. A better financial future is ahead.

The bankruptcy attorneys at Reynolds & Gold Law assist clients in Springfield, MO and surrounding areas with two types of bankruptcy cases: Chapter 7 Bankruptcy and Chapter 13 Bankruptcy.

Chapter 7 Bankruptcy

Chapter 7 bankruptcy provides the opportunity to cancel most debts and start over with a clean slate. For almost 30 years, attorneys Ken Reynolds and Jon Gold have helped thousands of people just like you achieve a fresh financial start.

We offer a free first consultation with one of our bankruptcy lawyers to explore all your possible financial options including what Chapter 7 bankruptcy can do for you. We will take the stress out of your situation at an affordable rate.

Filing Chapter 7 bankruptcy allows people to cancel debts such as:

  • Credit card debts
  • Medical bills
  • Personal loans
  • Payday loans
  • Repossession and foreclosure debts
  • Court judgements
  • Back rent
  • Business debts
  • Income taxes that meet certain requirements

Filing for Chapter 7 bankruptcy may not be right for everyone. If you make too much money you may not qualify for Chapter 7; if you are behind on your home or auto loans, you may find Chapter 13 bankruptcy to be a better option.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy is a debt repayment plan in which your debts are organized into regular structured payments.

Chapter 13 bankruptcy provides the chance for those behind on home and auto loan payments to get caught up to save their home and/or auto from foreclosure and repossession. It is a powerful tool which can help you keep your property and assets, regain control of your finances and get the meaningful fresh start you deserve.

  • A chapter 13 payment plan lasts 3-5 years. In most cases, you pay only a portion of your debt. At the conclusion, the rest of your debt is canceled.
  • Payments are made monthly through a court representative called a Chapter 13 Trustee. The Trustee divides your monthly payments to your debts. You are protected from your debts during your chapter 13.

Filing Chapter 13 bankruptcy is a complex process which requires a skilled lawyer. Attorneys Ken Reynolds and Jon Gold have helped thousands of people through Chapter 13 for almost 30 years.

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