LAW OFFICES OF KIMBER H. BARO

Helping St. Louis Families Solve Debt Problems for Over 35 Years

Experienced. Affordable. We Do 99% of the Work for You.

✓ NACBA 2024-2025 Member ✓ BBB Accredited ✓ Licensed Since 1988 ✓ 35+ Years Experience ✓ Eastern District of Missouri ✓ 8th Circuit Court of Appeals ✓ U.S. Supreme Court

Why Clients Choose Baro Law Firm

We've built our practice around making bankruptcy as easy and affordable as possible for hardworking St. Louis families.

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Same Price For Every Client

No upsells, no surprises. Every client pays the same flat rate — regardless of how complex your case is.

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You Speak With an Attorney

When you call, you speak directly with attorney Kimber H. Baro — not a paralegal or call center.

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Prices Unchanged for 10 Years

We haven't raised our prices in over a decade. Quality legal help shouldn't be out of reach for working families.

We Do 99% of the Work

You provide documents. We handle all the paperwork, filings, and court communications from start to finish.

Our Practice Areas

From bankruptcy to traffic tickets, we provide affordable legal help for St. Louis families.

Transparent, Affordable Pricing

No hidden fees. No surprises. The same fair price for every client.

Chapter 7 Bankruptcy

$1,100

$762 attorney fee + $338 court filing fee

All paid upfront at signing

Cash, Check, Money Order, Venmo, CashApp

Learn About Chapter 7

Chapter 13 Bankruptcy

$513

$200 attorney + $313 court filing fee upfront

Remaining attorney fee paid through plan

Total attorney fee: $5,800

Learn About Chapter 13

What Our Clients Say

Real stories from real St. Louis families who found a fresh start.

★★★★★

"I was drowning in medical bills and credit card debt for years. Ms. Baro explained everything clearly, never made me feel judged, and handled everything. My Chapter 7 was discharged in about 4 months. I finally feel free. The office is easy to find right in Florissant — I drove past it a hundred times!"

— Denise R., Florissant, MO
Chapter 7 Bankruptcy Client
★★★★★

"I was about to lose my house to foreclosure when a friend told me to call Ms. Baro. She filed a Chapter 13 quickly and the foreclosure stopped immediately. She answered my calls personally every time I had a question. $513 to save my home — I couldn't believe it. Highly recommend to anyone in St. Louis County."

— Marcus T., Hazelwood, MO
Chapter 13 Bankruptcy Client
★★★★★

"After my divorce left me with all the joint credit card debt, I didn't know where to turn. Ms. Baro walked me through my options patiently. She truly does 99% of the work — I just dropped off my paperwork and showed up to one 10-minute court meeting. Best decision I ever made. She's been doing this since 1988 and it shows."

— Sandra W., St. Charles, MO
Chapter 7 Bankruptcy Client

Frequently Asked Questions

Get straight answers to the questions we hear most often.

Can I keep my car if I file bankruptcy?

In most cases, yes. Missouri has a $3,000 motor vehicle exemption, meaning you can protect up to $3,000 of equity in your car. If your car is worth more than that but you're still making payments, you can typically reaffirm the loan (agree to keep paying it) and keep the vehicle as long as you stay current on the payments. In Chapter 13, you can often catch up on missed car payments through your repayment plan and keep the vehicle.

Will bankruptcy stop wage garnishment immediately?

Yes. The moment your bankruptcy petition is filed, an "automatic stay" goes into effect. This is a federal court order that immediately stops virtually all collection activity — including wage garnishment, bank levies, foreclosure, repossession, and collection calls. Your employer must stop the garnishment as soon as they receive notice of the filing. This is one of the most powerful tools bankruptcy provides.

How long does Chapter 7 bankruptcy take?

A typical Chapter 7 case takes 3 to 4 months from the filing date to discharge. The process involves filing the petition, attending a single 341 meeting of creditors (usually about 10 minutes), and waiting for the discharge order. In straightforward cases with no assets to liquidate, the timeline is very predictable.

What's the difference between Chapter 7 and Chapter 13?

Chapter 7 is a "liquidation" bankruptcy that eliminates most unsecured debts (credit cards, medical bills, personal loans) in about 3-4 months. You must qualify based on income. Chapter 13 is a "reorganization" bankruptcy where you make a monthly payment plan for 3-5 years to repay some or all of your debts. Chapter 13 is best if you earn too much to qualify for Chapter 7, or if you want to save your home from foreclosure or catch up on a car loan.

Can I keep my house if I file bankruptcy?

Yes, in most situations. In Chapter 7, if you're current on your mortgage and the equity in your home doesn't exceed Missouri's homestead exemption ($15,000 for a single person, $30,000 for a married couple), you can keep your home. In Chapter 13, you can also catch up on missed mortgage payments through your repayment plan and stop foreclosure — even if you're already several months behind.

How does bankruptcy affect my credit score?

Filing bankruptcy does impact your credit score in the short term. A Chapter 7 bankruptcy remains on your credit report for 10 years; Chapter 13 stays for 7 years. However, many clients find that their credit score actually begins to recover within 1-2 years of filing because all their delinquent accounts are now discharged and they can start fresh. Many of our clients are able to qualify for a car loan within 2 years and a mortgage within 3-4 years after filing.

Get Your Free Case Evaluation

No obligation. No pressure. Just straight answers from an experienced attorney.

This form is connected to our scheduling system. We will contact you within 1 business day to confirm your free consultation.

Conveniently Located in Florissant

Our office is located at 1605 N HWY 67, Florissant, MO 63031 — directly across from the Florissant Police Department, next to Cugino's Italian Bar & Grill. Street-level access, wheelchair accessible, with plenty of free parking.

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Address
1605 N HWY 67
Florissant, MO 63031
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Phone
(314) 896-1999
Accessibility
Wheelchair accessible
Free parking available
Get Directions & Hours