As one of St. Louis’ most trusted bankruptcy attorneys, our experienced team of lawyers can help you every step of the way to maximize your rights under Chapter 13.

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Watton Law Group Can Help You File Chapter 13 Bankruptcy

The Chapter 13 bankruptcy lawyers at Watton Law Group can stop creditors from harassing you and protect you from legal action including foreclosure, repossession, wage garnishment, and asset seizure.

Watton Law Group’s bankruptcy lawyers begin the process with a conversation where we will come up with a plan payment estimate and determine what Chapter 13 would look like for you. Following that, we will conduct a comprehensive audit of your current finances to help you draft a budget you can afford while ensuring the payment works for you.

Watton Law Group understands that every client’s situation is unique. That’s why our strategies are tailored to your specific needs and goals. Our bankruptcy attorneys create custom plans with one objective in mind: to help you get out of debt and on the path to a more secure financial future.

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With over 25 years of experience, our attorneys have perfected a system that makes filing Chapter 13 as easy as possible for you. We offer unparalleled support throughout the entire process and will help you move forward with the best options available to you.

AJ, September 2021


Michael was very helpful and knowledgeable. I was apprehensive about calling because bankruptcy is a touchy subject but I am glad that I did. Highly recommend.

★★★★★

Crissy, June 2021


Thank You Adam Breeze for your prompt and professionalism! You are the BEST and has made my experience first time filing smooth and less stressful. I would highly recommend Watton Law!

★★★★★

Brenda, October 2020


Lawyers were very helpful, friendly and professional and answered all questions that I had asked them. They made the process as easy as it could be. Great Lawyers.

★★★★★

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Chapter 13 Bankruptcy: Debt Adjustment Plan

Watton Law Group can help you get the most of our Chapter 13 plan. We can protect your assets, keep your home from going into foreclosure, stop wage garnishment, and prevent repossession of your vehicle. Those who file for Chapter 13 will pay off what they can afford of their debt via a structured payment plan, allowing them to keep their homes and cars while stopping creditors from attempting to collect.

To determine whether or not Chapter 13 is a good fit for you, the lawyers at Watton Law Group will get you started by reviewing your budget. Based on these results, our team will guide you through the next steps and ensure that you’re on the right path to a more economically stable future.

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Watton Law Group can stop debt collection phone calls

The moment Watton Law Group files Chapter 13 on your behalf, the court will put an order through that prevents all of your creditors from contacting you. This is essentially like a restraining order in which creditors cannot write or call you, sue you, garnish wages, foreclose on your home, repossess your vehicle, or take any collection actions.

What is the average monthly payment for Chapter 13?

Your plan payment will vary depending on your individual circumstances. After thousands of Chapter 13 bankruptcy filings, our firm has learned the best thing you can do is call us, ask some initial questions, and we can estimate your payment. We’ll ensure that you can pay what you can afford.

How long does it take to pay off Chapter 13?

Much like calculating an average monthly payment, the length of your payment plan will depend on your particular circumstances and what you can afford. Payment plans generally take 3 to 5 years to pay back.

Watton Law Group can help you to determine the length of your payment plan and the cost of monthly payments with our free payment plan estimate. Contact us today to get started.

How does Chapter 13 Bankruptcy affect your credit score?

Studies indicate that filing bankruptcy will cause your credit score to be between 550 and 575, but that doesn’t tell the whole story. First, crushing debt probably already has you at a low credit score. Bankruptcy stabilizes you. Bankruptcy is redemption. Second, once you file, your debt-to-income ratio will instantly improve. Bankruptcy isn’t an instant fix but a major step in the right direction. Give us a call and we can go through all your options and help you move forward in life.

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Requirements for Chapter 13 Bankruptcy

Watton Law Group is a Debt Relief Agency. We help people file for relief under the Bankruptcy Code.

Because Chapter 13 allows those in debt to ensure ownership of most liquid assets, those looking to file in Missouri will be required to meet certain criteria. These requirements include (but are not limited to):

  • Regular income sufficient for a payment plan
  • Less than a specified amount in unsecured debt (amount determined annually)
  • Less than a specified amount in secured debt (amount determined annually)

Meeting these requirements is just one of the numerous initial steps when filing for bankruptcy. Watton Law Group is a trusted firm that has helped thousands of Missouri residents file for Chapter 13 Bankruptcy. Get the right lawyers in your corner for the support you deserve. Call us today.