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We are looking forward to speaking with you soon, but should the matter be extremely urgent, please contact us at 1-844-713-3328.

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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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.