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Chapter 13 Bankruptcy Lawyer

St. Louis Chapter 13 Bankruptcy Attorneys

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 payment plan 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.

Give us a call at (314) 912-2572, and we can go through all your options and help you move forward in life.

Chapter 13 Bankruptcy for Residents of Missouri’s Eastern District

Watton Law Group can help you get the most out of a 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.

Chapter 13 Filing Requirements for Missouri Residents in the Eastern District

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 at (314) 912-2572.

Common Chapter 13 Questions for St. Louis Residents

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 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.

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.

Serving Clients Throughout the Eastern District of Missouri From Our St. Louis Office

Watton Law Group is a full-service debt relief agency with the resources to tackle even the toughest cases. We offer unique insight into an array of services, tailoring our proven strategies to each case we take on.

Over 25+ years, we’ve grown into a national network, but we still maintain our strong local roots and caring approach to provide the highest level of personalized service to our clients. It’s why clients continually trust us to guide them through turbulent times.

Meet Your Team

Michael J. Watton, Esq.
Michael J. Maloney, Esq.
Timothy H. Hassell, Esq.
Thomas A. Arany, Esq.
Kirk M. Fedewa, Esq.
Robert K.S. Abernathy, Esq.
Bennett S. Stuckey, Esq.
Corrine E. Edwards, Esq.
Tyler D. Rasmussen, Esq.
Elizabeth J. Cho, Esq.
James M. Conley, Esq.
Paul K. Schwartz, Esq.
Cooper O. Neavill, Esq.
Eric J. Wunsch, Esq.
Lauren A. Suchan, Esq.
Judith K. Cranberg, Esq.
Michael J. Watton, Esq.
Senior Partner
Michael J. Watton, senior partner at Watton Law Group, is a nationally recognized bankruptcy attorney who helps overwhelmed individuals and families find debt-relief. His compassionate, practical approach not only resolves immediate financial crises but empowers clients to rediscover their true personal and economic value, emerge stronger, and thrive long-term.
Michael J. Maloney, Esq.
Managing Partner
Michael J. Maloney, managing partner of Watton Law Group, helps individuals and families overwhelmed by debt regain financial control and peace of mind. With experience across multiples state and federal districts, he builds personalized strategies tailored to each client’s unique situation. His goal is to ensure his clients have the knowledge and confidence to choose what’s best for their future.
Timothy H. Hassell, Esq.
Partner
Attorney Timothy H. Hassell specializes in bankruptcy law and is committed to delivering personalized, innovative solutions for clients facing financial difficulties. He works closely with individuals and families to craft tailored strategies that address their unique circumstances, providing clear explanations of rights and options to reduce stress and empower informed decisions.
Thomas Arany
Thomas A. Arany, Esq.
Partner
Attorney Thomas A. Arany guides clients through bankruptcy and debt-relief challenges with efficient, practical solutions. He prioritizes clear communication, rapid resolution, and proactive strategies to help clients avoid unnecessary litigation, regain financial control, and achieve lasting stability. By focusing on individual needs and detailed casework, he secures optimal outcomes that empower clients to move forward with confidence.
Kirk M. Fedewa, Esq.
Partner
Attorney Kirk M. Fedewa delivers personalized, creative strategies backed by extensive bankruptcy experience, while providing compassionate, straightforward guidance and clear explanations of rights and options. Treating every client with integrity and family-like care, Attorney Fedewa advocates aggressively to protect assets, eliminate or restructure debt, and achieve a fresh financial start.
Robert K.S. Abernathy, Esq.
Associate
Attorney Robert K.S. Abernathy excels at understanding each client’s unique situation, clearly explaining complex bankruptcy options, and crafting tailored solutions. By building strong relationships, and with open communication and thorough preparation, he guides clients confidently toward financial recovery and long-term stability.
Bennett S. Stuckey, Esq.
Associate
Attorney Bennett S. Stuckey provides compassionate, goal-oriented representation to clients seeking debt relief. Drawing on his natural problem-solving abilities, he guides individuals through the bankruptcy process with respect and efficiency, ensuring they receive the full protection and fresh start the law allows.
Corrine E. Edwards, Esq.
Associate
Attorney Corrine E. Edwards combines compassion and determination in her bankruptcy practice, drawing from her own experiences overcoming financial hardship to empathize with clients. She provides personalized, effective representation, guiding them through bankruptcy toward manageable solutions, a fresh start, and protection of their long-term interests.
Tyler D. Rasmussen, Esq.
Associate
Attorney Tyler D. Rasmussen offers clear, compassionate debt relief. He carefully reviews what you owe, explains all options in simple terms without pressure, and assists in making the math work. When bankruptcy is the best path, he moves quickly to secure a true fresh start, always prioritizing your long-term interests.
Elizabeth J. Cho, Esq.
Associate
Attorney Elizabeth J. Cho is a compassionate and dedicated attorney, guiding individuals through the bankruptcy process with genuine care and helping them eliminate overwhelming debt. By listening attentively to each client’s unique situation and providing clear, personalized guidance, Elizabeth ensures the experience is positive and empowering, allowing clients to regain control of their lives and achieve a fresh financial start.
James M. Conley, Esq.
Associate
Attorney James M. Conley provides compassionate, client-focused representation in bankruptcy and debt relief. With clear communication and practical guidance, he helps individuals and families navigate complex debt challenges, understand their options, and secure tailored solutions for long-term financial stability. Clients appreciate his approachable style and ability to explain intricate legal matters in an accessible way.
Paul K. Schwartz, Esq.
Of Counsel
Attorney Paul K. Schwartz provides compassionate, strategic representation in bankruptcy and debt relief cases. With over 40 years of trial experience, he listens carefully to each client’s situation and goals, then crafts personalized plans that deliver lasting financial relief. His prior experience representing creditors gives him unique insight into creditor strategies, which he now uses to protect debtors and secure the strongest possible outcomes.
Cooper O. Neavill, Esq.
Associate
Attorney Cooper O. Neavill is dedicated to guiding clients through financial difficulties with empathy-driven representation, recognizing that hardship can arise from many circumstances and that every client deserves honest, dependable counsel. His approach debt relief combines a thorough understanding of the law with a genuine commitment to helping individuals find practical solutions and a fresh financial start.
Eric J. Wunsch, Esq.
Associate
Attorney Eric J. Wunsch focuses on consumer bankruptcy and debt-relief matters, bringing creative and detail-oriented strategies to help individuals and families achieve maximum financial relief. Drawing on his civil litigation experience, Eric emphasizes transparent communication and works to reduce the stress clients feel by highlighting the practical benefits of bankruptcy as a powerful tool for a fresh financial start.
Lauren A. Suchan, Esq.
Associate
Attorney Lauren A. Suchan specializes in helping clients eliminate overwhelming debt, stop creditor harassment, and secure a fresh financial start. With patience and empathy, Attorney Suchan guides individuals and families through the bankruptcy process, transforming a challenging situation into an opportunity for lasting relief and a brighter future.
Bio Judith
Judith K. Cranberg, Esq.
Of Counsel
Judith K. Cranberg is deeply committed to caring for her clients facing financial hardships. She approaches every case with empathy and clear communication, taking time to fully understand each client's unique household dynamics, financial goals, and concerns. Sharing the firm's core values, Judith believes everyone deserves a clear, accessible route to financial stability.

Debt Relief in Three Easy Steps

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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.

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I worked with Watton Law Group and they were very responsive and helpful.

I worked with Watton Law Group and they were very responsive and helpful.

- Ashley O.
He is the best.

He is the best.

- Steven M.
Robert Abernathy has always been professional.

Robert Abernathy has always been professional.

- Donna A.
Wow is all I can say!

Wow is all I can say!

- Diashecia B.
The most professional law firm I have ever used.

The most professional law firm I have ever used.

- Bernadine E.
Great lawyers can be hard to find and he definitely is one!

Great lawyers can be hard to find and he definitely is one!

- Michelle
I highly recommend.

I highly recommend.

- Daniel E.
Michael Watton is an example of a well-knowledged attorney.

Michael Watton is an example of a well-knowledged attorney.

- Jodi C.
Working with Robert Mills at Watton Law has been a refreshing experience in the midst of hardship.

Working with Robert at Watton Law has been a refreshing experience in the midst of hardship.

- Tracy S.
Tom has been a saving grace for me, he has motivated me to actually get things done.

Tom has been a saving grace for me, he has motivated me to actually get things done.

- Amy F.

Get The Help You Need

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