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Will a Chapter 7 Take a Long Time to Help Me?

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Author: Jim Brown

The time line for a Chapter 7 bankruptcy is relatively short. Once you've been in debt for weeks, months, or even years, taking as little as 90 days to get credit card debt help, stop your wage garnishment or repossession, and take the stress of debt off your shoulders doesn't seem so bad, huh?

Your time line is really filled up with the time that you've spent being in debt. Debt can truly creep up on you. It begins with a few late payments. Soon collection agencies are calling you incessantly. Soon, they are garnishing your wages and threatening to go after your other property. The hardest decision from there is figuring out the right time to ask for help. There is finally a light at the end of the tunnel as soon as you schedule your free consultation.

Once you've met with a bankruptcy lawyer and decided to get help, you start to see the benefits of a Chapter 7 immediately. Though the discharge may take some time, your creditors are forced to stop calling once you've filed your case. You may also see a garnishment on your pay check disappear and the threat of repossession and foreclosure subside. Now, your money and property is yours again. You can come home from work with the knowledge that you can put food on the table, protect your family from creditors, and live without the burden of debt.

You'll have your fresh start in just a few months.

And after suffering in debt for as long as you have been, a few months to get out is nothing. As soon as you decide to file bankruptcy and get rid of your debt, the Chapter 7 bankruptcy time line starts to pick up the pace. You may have to wait for your final fresh start, but you will start seeing the benefits of your bankruptcy filing immediately.

If you are looking into filing Chapter 7 with an experienced St. Louis bankruptcy attorney, the only question is "What's stopping your from making your move?" As I always say, doing nothing changes nothing. If you want to start reaping the benefits, you must begin by taking that next step and calling a bankruptcy attorney.

If you aren't yet ready to take the plunge, gather free materials from reputable attorneys around the area to educate yourself on the process. While filing bankruptcy may not be the perfect choice for you, you will never know until you learn what it has to offer.

About the author: Castle Law Office of St. Louis, P.C. is a bankruptcy firm that helps people suffering under crushing amounts of debt get relief. We have offices in St. Louis, Missouri and Wentzville, Missouri. Visit us online at or call us at 866-570-8484

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