Fenton Bankruptcy Lawyer for Chapter 7 and Chapter 13 Cases
Practical Debt Relief for Fenton Households
Bankruptcy Guidance From Filing to Discharge
Filing bankruptcy involves more than paperwork, and the details matter. ROC Law starts by reviewing your income, expenses, debts, and property to determine eligibility and protect as much as Missouri exemptions allow. For Chapter 7, that means preparing the means test, listing assets accurately, and helping you through the meeting of creditors on the way to discharge. For Chapter 13, it means building a realistic repayment plan that the court will approve and that you can actually maintain, often to save a home or vehicle from foreclosure or repossession. Throughout the process, you have an attorney who answers your questions and deals with creditors and the trustee on your behalf. Beyond bankruptcy, the firm assists with divorce and family law, criminal and DWI defense, and estate planning documents like wills and powers of attorney.
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.
Proven Bankruptcy Experience You Can Trust
With more than 5,000 bankruptcy cases handled, ROC Law has seen nearly every financial situation Fenton families face, from job loss and medical debt to business closures and divorce-related bills. That volume of experience helps your case avoid common mistakes that delay discharges or put property at risk. It is built on over 25 years of legal practice by attorney Randall Oettle. Fees are clear from the start, with 95% of clients on a flat-fee agreement and no billable hours. If paying everything up front is not possible, in-house payment plans can get your case moving right away. More than 80% of our new clients are referred by people we have already helped, which says more about our service than any advertisement could. You will be treated with respect from the first call.
Frequently Asked Legal Questions
Can I keep my car if I file Chapter 7 bankruptcy?
Many people keep their vehicles in Chapter 7. Missouri exemptions protect a certain amount of vehicle equity, and if you have a loan, you can often keep the car by staying current and signing a reaffirmation agreement. If your equity exceeds the exemption or you are behind on payments, Chapter 13 may offer better protection. Your attorney will review the numbers with you.
How long does a divorce take to finalize in Missouri?
Missouri requires at least 30 days between filing the petition and the final judgment, but most cases take longer. An uncontested divorce where spouses agree on property, support, and custody may finish in a few months. Contested cases involving children, businesses, or significant assets can take a year or more, depending on negotiations and the court's schedule.
Do I really need a will if I am young and own little?
A will is useful at any age. It lets you name a guardian for minor children, choose who handles your affairs, and direct where your property goes. Without one, Missouri law decides who inherits, which may not match your wishes. Pairing a will with a durable power of attorney and health care directive gives your family clear guidance.
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
Talk to a Bankruptcy Lawyer Today
If you are juggling minimum payments, falling behind on your mortgage, or facing a lawsuit from a creditor, waiting rarely improves the situation. Meet with ROC Law to understand your choices and the cost before you decide. Book your free consultation by calling 314-843-0220.
