Business Details
Your Trusted Bankruptcy Attorneys in Independence, MO
Foley Law is a dedicated bankruptcy law practice serving clients in Missouri and Kansas. Founded by attorney Rachel Foley, our firm specializes in helping individuals eliminate debt, stop garnishments, and navigate the complexities of bankruptcy proceedings. With over two decades of experience in consumer bankruptcy representation, Rachel brings a unique combination of legal expertise and healthcare background to her practice, having previously worked as a Risk Manager and Registered Respiratory Therapist.Our team is committed to providing compassionate, personalized guidance while staying at the forefront of bankruptcy law through active participation in national legal organizations. We pride ourselves on making the bankruptcy process as straightforward as possible, offering clear explanations of legal requirements and timelines while maintaining the highest standards of professional ethics and client communication.
Services
Bankruptcy Filing
Debt Elimination
Foreclosure Prevention
Legal Consultation
Financial Counseling
Credit Recovery Planning
Court Representation
Document Preparation
Highlights and features
- We have 20+ years of specialized bankruptcy law experience
- Our team combines legal expertise with healthcare risk management background
- We provide personalized guidance through complex bankruptcy proceedings
- We offer clear explanations of bankruptcy timelines and legal requirements
- We maintain active membership in national bankruptcy law organizations
What people say
Exceptional professional guidance
Human components of bankruptcy
Fresh start
Highly knowledgeable attorney
Personalized support
Services
Bankruptcy Filing
Our bankruptcy filing service helps clients eliminate overwhelming debt through Chapter 7 and Chapter 13 proceedings. With expert legal guidance, we navigate complex bankruptcy codes to provide fresh financial starts. Our experienced team ensures proper documentation and court compliance while protecting client assets within legal exemptions.
Foreclosure Prevention
We specialize in stopping home foreclosures through bankruptcy filings and legal negotiations. Our team works with lenders to modify loan terms or establish repayment plans while ensuring compliance with Missouri's non-judicial foreclosure requirements. We help clients understand their rights and options during this stressful process.
Debt Counseling
Our comprehensive debt counseling service evaluates clients' financial situations to determine the best path to debt relief. We explain different bankruptcy options, non-bankruptcy alternatives, and long-term financial planning strategies. Our goal is to empower clients with knowledge to make informed decisions about their financial future.
Court Representation
We provide expert legal representation throughout all bankruptcy proceedings. Our services include preparing legal documents, representing clients at 341 meetings, and negotiating with creditors. With deep understanding of bankruptcy court procedures, we ensure clients' rights are protected throughout the legal process.
Credit Recovery
Our credit recovery service helps clients rebuild financial stability after bankruptcy. We provide guidance on responsible credit use, budgeting strategies, and credit report monitoring. Our team educates clients on maintaining financial health while avoiding future debt problems through practical, long-term solutions.
People
Rachel Foley
Attorney
Rachel Foley is a nationally recognized bankruptcy attorney with over 20 years of experience. Formerly representing auto workers in bankruptcy cases, she brings unique insights to consumer debt issues. She combines legal expertise with healthcare risk management background to provide comprehensive debt solutions.
Questions
What types of debt can bankruptcy eliminate?
Bankruptcy can eliminate credit card debt, medical bills, personal loans, and certain tax debts. However, student loans, child support, and recent tax obligations typically remain.
How long does bankruptcy affect credit?
Chapter 7 bankruptcy stays on credit reports for 10 years, while Chapter 13 remains for 7 years. Many clients rebuild credit within 2-3 years through responsible financial management.
Can bankruptcy stop wage garnishments?
Yes, filing bankruptcy immediately stops wage garnishments through the automatic stay provision, providing immediate financial relief and protection from creditor actions.
What's the difference between Chapter 7 and 13?
Chapter 7 eliminates most debts quickly through asset liquidation, while Chapter 13 creates a 3-5 year repayment plan to retain assets while managing debt obligations.
How much does bankruptcy cost?
Filing fees range from $338 (Chapter 7) to $313 (Chapter 13). Attorney fees vary based on case complexity, with payment plans available to accommodate client needs.
Can I keep my home after filing?
Bankruptcy exemptions often protect primary residences. Chapter 13 allows catching up on mortgage arrears through repayment plans, while Chapter 7 requires continued payments to retain property.
