Experienced Webster Groves Bankruptcy Lawyer for Chapter 7 and 13
Experienced Counsel for Webster Groves Families
Consumer Bankruptcy Solutions for Overwhelming Debt
Debt rarely comes from one bad decision. It usually builds from medical bills, reduced income, divorce, or high-interest credit used to bridge a difficult period. Consumer bankruptcy provides a structured way to stop that cycle. Through Chapter 7, eligible filers can discharge credit card balances, medical debt, personal loans, and deficiency balances from repossessions. Through Chapter 13, you can propose a repayment plan to catch up on a mortgage, protect non-exempt property, or address tax debts over time. ROC Law handles the full process: evaluating eligibility, protecting assets under Missouri exemptions, preparing schedules, communicating with the trustee, and representing you at the meeting of creditors. The firm also helps with divorce and custody, criminal and DWI charges, and estate planning documents, so related issues are handled by one 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.
Experience That Makes the Difference
Over 25 years of legal experience gives attorney Randall Oettle the perspective to anticipate problems before they slow your case down. That experience includes more than 5,000 bankruptcy cases, along with years of family law, criminal defense, and estate planning work for clients across St. Louis County. For Webster Groves residents near Big Bend Boulevard and Lockwood Avenue, that means a lawyer who has likely seen a situation like yours many times. Fees are simple too, with 95% of clients on flat-fee agreements and no billable hours. Affordable in-house payment plans make it possible to start representation right away. More than 80% of new clients come from referrals, a reflection of the respect and honesty clients experience from the first meeting.
Frequently Asked Legal Questions
What is the bankruptcy means test and how does it work?
The means test determines eligibility for Chapter 7 by comparing your household income over the past six months to the Missouri median income for a family your size. If your income is below the median, you generally qualify. If it is higher, a detailed calculation of allowed expenses determines if you have enough disposable income to repay creditors through Chapter 13 instead.
Is Missouri a community property state in a divorce?
No. Missouri divides marital property through equitable distribution, meaning the court aims for a fair division rather than an automatic 50/50 split. Judges consider each spouse's economic circumstances, contributions to the marriage, the value of separate property, and conduct during the marriage. Property owned before marriage or received as a gift or inheritance is often considered separate property.
Why do I need a durable power of attorney?
A durable power of attorney names someone to manage your finances if illness or injury leaves you unable to do so. Without one, your family may need to go to court to obtain a guardianship or conservatorship, which takes time and money. A health care power of attorney or directive serves a similar purpose for medical decisions.
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
Get Experienced Advice Today
Debt, divorce, and criminal charges all carry consequences that grow with time, and early advice often protects more of what you have. Meet with an attorney who has spent decades helping people through these exact situations and get a clear flat fee before you commit. Request your free consultation by calling 314-843-0220.
