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St Louis Debt Consolidation – St. Louis Bankruptcy Lawyer about: Debt Consolidation or Bankruptcy: What is better?


St Louis Debt Consolidation – 5 Tips

With debt consolidation, you pay to a debt consolidation company for a period of around 3 years. Then, the debt consolidation company tries to settle the debt. There is no guarantee that your creditors will accept a deal and that they won’t sue you before the debt is settled. The money paid first is going to debt consolidation company for them to keep. If you get sued in the meantime or creditors don’t accept the settlement offer, your are stuck with the debt. This is not a good deal. During all the time, not making payments to your creditors, they will report negatively to the credit bureaus. Being in debt consolidation for 6 months, will ruin your credit for a long time. With bankruptcy, it hits your credit once with filing and you can re-establish your credit right after filing. Most of our clients have better credit within one year after filing than before. For more information please visit us at

A & L, Licker Law Firm, LLC
Main Office & Mailing Address:
1861 Sherman Dr
St. Charles, MO 63303
Tel. (636) 916-5400
Fax (636) 916-5402
See location on map:,+63303+mo&layer=&sll=38.765511,-90.511894&sspn=0.00793,0.0103&ie=UTF8&z=16&ll=38.77672,-90.511336&spn=0.007929,0.019956&om=1&msid=102617479848596942885.0000011208748966f680b&msa=0

St. Louis Office:
3470 Hampton Ave, Suite 101
St. Louis, MO 63109
See location on map:,+st.louis+63139&um=1&ie=UTF-8&hq=&hnear=3470+Hampton+Ave,+St+Louis,+MO+63139&gl=us&ei=UsKBS_btL4KBnQe66dnDBw&sa=X&oi=geocode_result&ct=title&resnum=1&ved=0CAcQ8gEwAA

Florissant office:
1281 Graham Rd., Suite 300
(Located at I-270 and Graham Rd, inside First Bank Building, 3rd Floor)
Florissant, MO 63031
See location on map:,+Florissant,+mo+63031&sll=38.727137,-90.122974&sspn=0.009358,0.017295&gl=us&ie=UTF8&ll=38.777222,-90.335383&spn=0.009351,0.017295&z=16&iwloc=A

Granite City office:
3600 Nameoki Rd, Suite 201
(Inside First Bank Building, 2nd Floor)
Granite City, IL 62040
Tel. (618) 977-9560
See location on map:,+Granite+City,+IL+62040&ie=UTF8&split=0&gl=us&ei=xzTuSczyCJL2Mcfo4AM&ll=38.727137,-90.122974&spn=0.009358,0.017295&z=16&iwloc=A

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