Noel (Neal) Bisges, Esq.
- Missouri Bar Association
- American Bankruptcy Bar Institute
- National Association of Consumer Bankruptcy Attorneys
- Certified Public Accountant
If you are looking for experience and the the understanding that comes with it, then I am your attorney. I have been a licensed attorney since 1993 and a CPA since 1981. As a debtor attorney, it is my job to minimize the amount you pay to unsecured creditors and get you out of debt as soon as possible.
I and my diligent staff will listen to your needs and work to the best of our abilities to help you achieve your bankruptcy plan objectives. As a prominent debt relief agency we have proudly served people just like you by helping them file for debt relief under Title 11 of the U.S. Code since 1993. We have helped hundreds of our clients move on with their lives and live debt free, and we can help you too!
We aim to provide responsive legal advice and client service with an approach that reaches out with patience and understanding. We have a reputation for thoroughness and preparedness, and take our responsibilities as a debt relief agency seriously with the understanding that the results we achieve for our clients will have a lasting impact on their lives. More>>
Chapter 13 Bankruptcy is often called many things because Chapter 13 can do many things. Creditors often call Chapter 13 a disguised Chapter 7 because Chapter 13 typically eliminates unsecured debts. Yet, in Chapter 13 you can protect yourself from future unsecured debts such as medical bills during your plan. If your plan becomes unfeasible, dismissal usually is the best option. One may be eligible to convert to Chapter 7 eliminating post filing debt. In Chapter 13 a creditor may get paid by filing claim for pre-petition or post-petition debts as the Debtor's Attorney may also file a claim for the creditor eliminating them when the plan is complete or the case converted to Chapter 7. More>>
Chapter 7 liquidation is what most people consider bankruptcy. Chapter 7 liquidates all non-exempt assets without any repayment. Most believe they have nothing to lose, since only non-exempt assets are liquidated in bankruptcy, but that could be a mistake. Though administered quickly, Chapter 7 can only be filed every eight years. Continued borrowing versus Chapter 7 may not be your best choice if you can't balance your monthly expenses with your monthly income. With any bankruptcy, you are given immediate stay protection from creditors while the bankruptcy proceeds. There is typically no court appearance or meeting with the judge who oversees the bankruptcy by appointing a trustee. The trustee makes a report recommending the judge to enter a discharge order that wipes out most or all of your unsecured debts. Unsecured debts are debts where no property is used as security to repay them. There is a stay on collections the day you file, permanent collection injunction on the discharge date. More>>
Phone: (573) 635-6850
Columbia: (573) 442-8160
529 East High St.
Jefferson City, MO 65101
For directions click here
The information provided in The Bisges Law Firm, P.C. web page is offered for informational purposes only, and it does not constitute legal advice. The Bisges Law Firm, P.C. does not have an attorney-client relationship with you based upon your visit to this web page. If you have a specific legal question, you should contact an attorney. The Bisges Law Firm is a debt relief agency.