Bankruptcy Attorney Serving Arnold and Jefferson County, Missouri
A Fresh Financial Start for Arnold Families
Chapter 7 and Chapter 13 Bankruptcy Representation
Bankruptcy is a legal tool designed to give honest people a way out of debt they cannot repay. Chapter 7 can eliminate many unsecured debts, such as credit cards, medical bills, and personal loans, often within a few months. Chapter 13 creates a court-approved repayment plan over three to five years, which can help you catch up on a mortgage or car loan while keeping the property. Filing triggers the automatic stay, which generally stops wage garnishments, lawsuits, collection calls, and many foreclosure actions. ROC Law reviews your income, assets, and goals to determine which chapter fits, prepares your petition, and represents you at the meeting of creditors. The firm also handles divorce and family law, criminal defense and DWI, and estate planning, so you have one trusted office for the legal issues that often arrive together.
We Represent You
Randall Oettle is an experienced lawyer who will study your case diligently and represent you in court aggressively. He represents both individuals as well as corporate organizations. Visit us for your legal defense needs.
Licensed Attorney
As a licensed attorney and a member of the Missouri Bar Association, our principal attorney, Randall Oettle, can help you in a variety of situations, whether it's related to traffic law or corporate law.
25+ Years Experience
With over 25 years of experience, our attorney can provide you with a fresh start for your case. In addition to creating a helpful relationship with you, attorney Oettle will educate you on your options and next steps, so you're never left in the dark.
Decades of Experience on Your Side
Attorney Randall Oettle brings over 25 years of legal experience to every case, and that experience shows in how efficiently your matter moves forward. ROC Law has handled more than 5,000 bankruptcy cases, so the process, the paperwork, and the local trustees are familiar territory. Cost is often the biggest worry for someone considering bankruptcy, which is why 95% of our clients work under a flat-fee agreement with no billable hours. Affordable in-house payment plans can let representation begin before your fee is fully paid. Our reputation in Jefferson County communities like Arnold has grown largely by word of mouth, and over 80% of new clients come to us through referrals from current and former clients. You get honest advice, clear pricing, and an attorney who treats you like family.
Frequently Asked Legal Questions
What is the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 is a liquidation bankruptcy that can wipe out most unsecured debts in a few months, though qualification depends on a means test based on income. Chapter 13 is a reorganization that lets you repay some or all debts through a three to five year plan, often used to save a home or vehicle. An attorney can explain which chapter fits your income and goals.
Will filing bankruptcy stop a wage garnishment from my paycheck?
In most cases, yes. Once a bankruptcy petition is filed, the automatic stay generally requires creditors to stop garnishments, lawsuits, and collection activity. Your attorney notifies your employer and the creditor so the garnishment ends. Certain obligations, such as child support, may continue. Filing promptly can protect income that would otherwise be taken from your next paychecks.
What happens after a first-offense DWI arrest in Missouri?
A first DWI in Missouri is typically charged as a misdemeanor, and you may face a separate administrative license suspension through the Department of Revenue. You generally have only 15 days from the notice to request an administrative hearing. Penalties can include fines, probation, and required substance abuse education. An attorney can review the stop, testing, and evidence in your case.
Check out our Service Areas:
Arnold, Fenton, Kirkwood, Crestwood, Sunset Hills, Webster Groves, Barnhart, Festus, Imperial, Hillsboro, Eureka, Pacific, Union, Washington, Manchester, Valley Park, Ballwin, Maryland Heights, Florissant, St. Louis, and more!
What Our Clients Say About Us
Take the First Step Toward Relief
You do not have to keep fielding collection calls or worrying about the next garnishment. Sit down with ROC Law, review your income and debts, and learn which option makes sense for your family. To schedule your free consultation, call 314-843-0220.
