Roach Bankruptcy Center LLC is a law firm which exclusively practices in Bankruptcy Law. We are a Debt Relief Agency which means that we help people file for Bankruptcy under the Bankruptcy Code. Roach Bankruptcy Center only represents individuals or debtors needing to file Chapter 7 bankruptcy or Chapter 13 bankruptcy. The Roach Bankruptcy Center will never represent any of your creditors. As your Bankruptcy Attorney, we can stop home foreclosures, repossessions, garnishments, lawsuits, and harassment. We can protect your home, vehicles, wages, retirement, and property from your creditors. The first step in finding a solution is to schedule a free initial consultation where an attorney will go over your unique financial situation with you. From there we will come up with a step by step plan to get you the solution you need.
Where do you offer services?
Roach Bankruptcy Center is located in the Northland at 851 NW 45th Street, Suite 208, Gladstone, MO 64116. Our office serves families and individuals from all over Northwest Missouri. We have a map listed with 29 different counties and the major cities within those counties, where we represent individuals with all sorts of diverse situations. We are centrally located with an office right off the highway from wherever you are. Coming to our office will avoid the downtown hassle where you have safe, free parking. Stop in as we would love to find the right financial solution for you.
What is a Chapter 7?
Generally, a Chapter 7 Bankruptcy is a type of Bankruptcy you would file if you were looking to get a fresh start. If you are have trouble paying credit cards, medical bills, payday loans or other unsecured debts then a Chapter 7 may be for you. Chapter 7 is also called a liquidation form of Bankruptcy which just means that the Trustee will be looking at your assets to determine what if any assets they are allowed to sell to pay your creditors. However, in most cases the Trustee is not able to sell any of your assets. What typically will happen is that you will list all of your assets, debts, income and expenses in your Bankruptcy Schedules. Then the Trustee will review those Schedules and ask you any questions they have concerning them. Finally, you will receive a discharge of your dischargeable debts and give you a fresh start. For specific questions and further information on a Chapter 7 please visit the Chapter 7 page or call us at 816-454-5555 and we can answer any questions you might have.
What is a Chapter 13?
A Chapter 13 Bankruptcy is an up to 60 month payment plan which pays back whatever debts are required by law. Some people refer to a Chapter 13 as a consolidation or reorganization of your debts. This is the type of Bankruptcy you would file if you are facing a foreclosure and you want to save your home. In a Chapter 13 you will list all of your assets, debts, income and expenses in your Bankruptcy Schedules. From those schedules we will calculate a Chapter 13 Plan. In that Plan you can choose to pay on secured debts such as mortgages or car payments. Any priority debts like taxes and child support will be listed in the plan to be paid. The remainder of your debts may not be required to be paid at all. That will depend on how much excess equity you have in assets and how much excess income that you have. At the end of the Chapter 13 you can receive a discharge of many debts as well. For specific questions and further information on a Chapter 13 please visit the Chapter 13 page or call us at 816-454-5555 and we can answer any questions you might have.
Which Bankruptcy is the one I should file?
There are many factors that go into determining which Bankruptcy is the right one for you. Sometimes I am asked which Bankruptcy is better. The answer is that neither Bankruptcy is better than the other. They are both different and your unique situation will determine which bankruptcy you belong in. There are several factors that the Roach Bankruptcy Center looks at in determining which Bankruptcy you should file. One of those factors is if you have had a prior Bankruptcy or a bar that prevents you from filing a certain type of Bankruptcy. We also look at income and expenses guidelines to determine if you qualify to file Chapter 7. We will need to know if you are needing to stop a foreclosure, repossession, or garnishment. We will need to make a determination of what property you own and which Bankruptcy will best protect that property. Finally, we will look at what types of debts that you need help with including taxes, child support, and student loans. The combination of all of those factors will determine which Bankruptcy will offer you the best solution. Give us a call at 816-454-5555 and we can schedule a free consultation to find out which Bankruptcy is right for you.
Why should I choose the Roach Bankruptcy Center?
The Roach Bankruptcy Center exclusively practices in the area of Bankruptcy. Jason Roach has personally been practicing law for over 15 years and has processed over 2,000 cases. Roach Bankruptcy Center gives you the experience you need to make an informed decision as to the solution for your financial situation. Additionally, every phone call to the Roach Bankruptcy Center will be handled and returned by an attorney. Your entire Bankruptcy will be processed by the same attorney. Your file will not be passed around from person to person like a Bankruptcy Mill. Also, it is the goal of the Roach Bankruptcy Center to provide you with excellent representation for the best price. If you are searching for a Bankruptcy Attorney then you are probably having a difficult time financially. Therefore, you should not have to pay more to get the same great representation. Give us a call at 816-454-5555 and we can schedule a free consultation for you where you can find out all of the benefits of being represented by the Roach Bankruptcy Center.
Convenient Day & Evening Appointments Available — Reasonable Flat Fees