Pacific Bankruptcy Lawyer for Chapter 7, DWI, and Divorce
Practical Legal Solutions for Pacific Families
Bankruptcy Options for a Clean Financial Slate
When debt payments take more than your paycheck can cover, bankruptcy can give you a clean slate. Chapter 7 can discharge credit card balances, medical bills, payday loans, and collection accounts, usually within a few months, while Missouri exemptions protect essential property such as household goods, some home equity, and retirement accounts. Chapter 13 offers a structured repayment plan when you need to protect more property or catch up on secured loans. ROC Law reviews your income and assets, determines eligibility, and prepares an accurate filing that keeps your case on track. You have an attorney handling communication with creditors and the trustee from start to finish. The firm also represents clients in divorce and custody matters, criminal and DWI cases, and estate planning.
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.
Trusted by Thousands of Bankruptcy Clients
More than 5,000 bankruptcy cases give ROC Law a deep understanding of how to protect property and move cases efficiently toward discharge. That experience, combined with over 25 years of legal practice, benefits Pacific clients in every area we handle, from DWI defense to divorce. Pricing is clear from the start, and 95% of clients pay a flat fee with no billable hours. In-house payment plans make it possible to begin representation without paying the full fee up front, which is often essential when a deadline is looming. Residents near Blackburn Park and along Osage Street know how much a personal recommendation means, and more than 80% of our new clients are referred by people we have already helped. Every client receives honest advice and respect.
Frequently Asked Legal Questions
Can I keep my house if I file bankruptcy in Missouri?
Often, yes. Missouri's homestead exemption protects a limited amount of home equity in Chapter 7, and many filers have equity within that limit. If you have more equity or are behind on payments, Chapter 13 may let you keep the home while repaying arrears over time. An attorney will compare your equity to the exemption before you file.
What is the SATOP program after a DWI in Missouri?
SATOP, the Substance Abuse Traffic Offender Program, is a Missouri requirement for drivers whose licenses are suspended or revoked for alcohol-related offenses. It begins with a screening and assessment, followed by an education or treatment program based on the results. Completing SATOP is generally required before your driving privileges can be reinstated.
What exactly makes a divorce case uncontested in Missouri?
A divorce is uncontested when both spouses agree on every issue, including property and debt division, maintenance, child custody, parenting time, and child support. They can submit a written settlement and parenting plan for the court's approval. Uncontested cases generally cost less and move faster than contested ones, though Missouri still requires at least 30 days before judgment.
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
Stop the Stress and Get Answers
Collection calls, a pending DWI case, or a difficult divorce do not have to consume your life or your paycheck. Meet with ROC Law to understand your options, timeline, and cost before you make any decisions. Request your free consultation by calling 314-843-0220.
