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If you are considering Chapter 13 bankruptcy or Chapter 7 bankruptcy and not sure what your first steps should be, know that you’re not alone. We are here to help. Please contact OWINGS LAW today to schedule a free consultation.

OWINGS LAW,
Missouri
Bankruptcy Law Services

Helping individuals and families regain control of their financial futures

Welcome to OWINGS LAW! For many families in the Missouri area, financial hardship may leave you uneasy and unsure of who you can turn to for your bankruptcy needs. We understand that bankruptcy can be a scary process, especially if you are doing it alone. But you don’t have to.

Located in Missouri, OWINGS LAW is a bankruptcy law firm helping hundreds of individuals and families regain financial control and have a fresh start in life. Offering affordable pricing and payment plans, bankruptcy attorney Tyrus Conley and OWINGS LAW have extensive experience helping people file Chapter 7 or Chapter 13 bankruptcy.

We will guide you every step of the way so that you get the fresh financial start that you deserve. Read more about our mission: “Helping individuals and families regain control of their financial futures.”

Take Back Your Life with
OWINGS LAW

Clear your debt, protect your assets, and move forward with confidence

Eliminate

  • Harassing creditor calls
  • Foreclosure threats
  • Wage and bank account seizures
  • Vehicle repossession
  • Utility shutoffs
  • IRS actions and lawsuits

Protect

  • Your home and vehicle
  • Your paycheck and future earnings
  • Your household essentials
  • Retirement and insurance funds
  • Social Security benefits
  • Tools you need for work
  • Your health and peace of mind

Discharge

  • Overwhelming credit card debt
  • Payday & personal loans
  • Medical bills
  • Certain tax debts
  • Bad mortgages & timeshares
  • Old judgments and fines
  • Stress, worry, and fear

Schedule a Consultation for OWINGS LAW

Take the first step toward your fresh financial start—speak with our bankruptcy team today
Contact Us Now!

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1-844-713-3328

Missouri Bankruptcy Services

Our Missouri’s Trusted Bankruptcy Attorney And His Team Specialize In

Our bankruptcy attorney and his team take the stress out of bankruptcy by handling all of the legalities involved in the process.
From preparing and filing the petition to advocating for you before the bankruptcy trustee and the court, we’ll provide the
caliber of representation you need to make everything as thorough, convenient, and favorable as possible

Chapter 7 Bankruptcy

Chapter 7, often called straight bankruptcy, is a liquidation process designed to help individuals eliminate most unsecured debts quickly and efficiently. For many people, it’s the fastest path to a clean slate in most cases, the process takes less than five months from filing to discharge.

What You Keep

Contrary to common fears, filing Chapter 7 does not mean you lose everything. Both the State of Missouri and the federal government offer exemptions that protect your home, car, household items, retirement accounts, and more.

When Chapter 7 May Be Right for You

  • You want to eliminate most unsecured debts (credit cards, medical bills, personal loans).
  • You have limited income and little or no non exempt property.
  • You want a quick, clean start without a repayment plan.

If it turns out that some of your assets aren’t fully exempt, we’ll explore Chapter 13 bankruptcy as an alternative, so you can keep what matters most while still finding relief from debt.

OWINGS LAW will carefully review your financial situation, explain every option, and guide you through the process step-by-step.

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Chapter 13 Bankruptcy

Chapter 13 is the chapter of the Bankruptcy Code that involves reorganization for individuals. Chapter 13 allows an individual to propose a plan to repay creditors over three to five years. In most cases, Chapter 13 allows you to pay your unsecured creditors (e.g., credit cards, medical debt, personal loans, etc.) only a fraction of what is owed. There are many reasons why Chapter 13 could be the right choice for you. OWINGS LAW will thoroughly review your options with you before you file.

Eligibility for Chapter 13 Bankruptcy

Unlike Chapter 7, most individuals qualify for Chapter 13 bankruptcy. The following are the main requirements to file Chapter 13 bankruptcy: 

1

You must have a source of income

Chapter 13 requires you to make monthly payments according to a Chapter 13 plan. You need a regular source of income to make these payments.

2

Your total debt balances must be below certain amounts As of April 1, 2025, the limits are $526,800 for unsecured debt and $1,580,125 for secured debt.
As long as you meet these requirements, you should qualify to file a Chapter 13 bankruptcy.
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Why Choose OWINGS LAW?

Proven experience, personal attention, and a clear path to a fresh financial start
Years of Combined Legal Experience
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Five-Star Client Reviews & Success Stories
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Meet Your Legal Team

Dedicated advocates committed to guiding you through every step of the bankruptcy process

Lisa Owings

Lisa Owings graduated from The University of Akron School of Law with her Juris Doctor and Master of Laws in Intellectual Property. She was awarded multiple scholarships and awards during law school. Lisa Owings practices primarily in debt collection defense. Attorney Owings is licensed in Ohio, Nebraska, North Dakota, Missouri, New Jersey, Utah, Wisconsin, Iowa, North Carolina, Maine, Colorado, Texas, and Michigan.

Tyrus Conley

Tyrus Conley graduated Magna Cum Laude from Baldwin Wallace University with a Bachelor of Arts in Political Science with honors. He then enrolled at the University of Akron School of Law. While there, he was a member of the Law Review and Trial Team. He graduated with his Juris Doctor degree with honors. Attorney Conley is licensed to practice in the Northern and Southern Districts of Ohio and the Eastern District of Missouri.

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Get Out of Debt Now

1-844-713-3328

Real Stories, Real Results

From Client to Advocates, Dedicated Legal Trust

We are very pleased with the professionalism and knowledge of Tyrus at Owings Law. The firm in general is very friendly and responsive to their clients. We worked directly with Tyrus, however. Tyrus kept us on task with gentle reminders and offered his assistance every step of the way. He was thorough, confident, and competent. We really valued the way in which Tyrus helped us reason through the process and understand the implications of the laws that govern our situation. He made a process that seemed confusing and overwhelming, completely manageable and crystal clear. We appreciate the quality of service and the work that Ownings Law provided.

Michael

Owings Law provided exceptional service, and I especially want to recognize Tyrus Conley for going above and beyond throughout my bankruptcy case. From our very first conversation, Tyrus was professional, patient, and genuinely compassionate. He explained everything clearly, answered every question, and made the process feel manageable and far less intimidating. His expertise and personal care turned a stressful experience into one of relief and confidence. Owings Law is lucky to have such a dedicated attorney, and I highly recommend both the firm and Tyrus Conley to anyone looking for knowledgeable, trustworthy representation.

Highly recommend Tyrus Conley to represent you, he is very professional, keeps you informed every step of the way. I was able to do everything from the comfort of my home If you need a lawyer call Owings Law

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Frequently Asked Questions?

What is Chapter 13 Bankruptcy?
Chapter 13 bankruptcy is a reorganization process that allows individuals with regular income to repay all or a portion of their debts through a structured payment plan lasting three to five years. Instead of liquidating assets, Chapter 13 helps you catch up on missed payments, protect your property, and often pay unsecured debts—such as credit cards and medical bills—at a reduced amount.

Chapter 7 bankruptcy involves liquidation and is sometimes called straight bankruptcy. For most people, a Chapter 7 bankruptcy filing is a fairly simple and quick proceeding. In most cases, it takes less than three months after filing for an individual to receive a discharge of debts.

Most individuals and businesses can file for bankruptcy if they meet certain requirements, which depend on the type of bankruptcy. An attorney can evaluate your specific financial situation to determine your eligibility and the most appropriate chapter to file.
Married couples have the option to file a joint bankruptcy petition, which is often more efficient and cost-effective than filing separately. It combines your debts and assets into a single case, but it is not required. You can discuss the pros and cons of joint versus individual filing with your attorney.

The duration of a bankruptcy case varies by chapter. A typical Chapter 7 case is completed in about three months. A Chapter 13 case, which involves a repayment plan, generally lasts between three to five years from the date the plan is confirmed by the court.

Bankruptcy laws are federal, but Missouri exemptions protect certain assets like equity in your home, a vehicle, and personal belongings. The immediate impact is an automatic stay that stops collection actions, providing relief. In the long term, it can offer a fresh start while allowing you to retain essential property under Missouri law.
Yes, but there are waiting periods between filings. The length of time depends on the chapter you previously filed and the chapter you wish to file now. For example, you must typically wait eight years after a prior Chapter 7 discharge to file another Chapter 7 case. An attorney can advise you on your specific timing.
Not necessarily. In a Chapter 7 case, many assets are protected by state and federal exemption laws. In Missouri, exemptions can shield your home, car, retirement accounts, and household goods. In a Chapter 13 case, you typically keep all your assets while repaying a portion of your debts through a court-approved plan.

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