For over 30 years Kimber H. Baro has been dedicated to helping people with financial problems and emergencies get the relief they need. She has represented thousands of individuals and married couples in chapter 7 and chapter 13 bankruptcy cases. She is a well respected lawyer in the field, friendly and knowledgeable, and easy to get in contact with.
Helping people file bankruptcy and eliminate their debts - and save their homes, their cars, and their livelihoods - is her passion! Kimber received her law degree (Juris Doctor), cum laude, from St. Louis University School of Law in 1984, and her undergraduate degree with honors from Valparaiso University in 1981.
Helping people file bankruptcy and eliminate their debts - and save their homes, their cars, and their livelihoods - is her passion! Kimber received her law degree (Juris Doctor), cum laude, from St. Louis University School of Law in 1984, and her undergraduate degree with honors from Valparaiso University in 1981.
Services
Bankruptcy
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We are bankruptcy attorneys! Meaning bankruptcy is our primary area of practice. We pride ourselves on our knowledge of bankruptcy law and we do our job well. Bankruptcy is serious step that has real consequences. Bankruptcy is also a relatively complicated area of law. It is important that you choose to work with attorneys who have real experience practicing bankruptcy law.
Chapter 7
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Chapter 7 bankruptcy is the type of bankruptcy most people think of when they think of bankruptcy. Chapter 7 is the quickest and easiest type of bankruptcy where you simply file and discharge the debts that you can discharge, and are left with any debts that could not be discharged. You don't pay any debts back, you walk away from the debts you can walk away from and you are done.
Chapter 13
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A chapter 13 entails a monthly payment to the court, for 3 to 5 years, to pay back certain debts, not necessarily all of your debts. Chapter 13 is a long, serious commitment. One downside with a chapter 13 is the higher attorney fees and court costs over time. You will also face limitations getting credit and financing while in a chapter 13.
Cost
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In chapter 7, although the amount attorneys fees will vary from office to office, court fees are always the same. Also, court fees and attorney's fees are always paid up front to the attorney prior to filing. Attorneys are required to take these payments up front because they are prohibited by law from collecting payments from you after you file.
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