About Melcher Law

Melcher Law is a virtual consumer bankruptcy practice serving clients in Illinois and Missouri. This site is the front door to that practice. It explains, in plain language, how Chapter 7 and Chapter 13 really work, what the journey from filing to discharge looks like, how credit can be rebuilt afterward, and how state exemptions change what you are able to keep. From here you can book a free video strategy session, send a discreet and private inquiry, or read articles written to answer the questions people are often too worried to ask out loud.

It is built for people carrying debt they can no longer manage — a paycheck that runs out before the month does, collection calls that will not stop, a garnishment, a home or car they are trying to hold onto, or a fresh start they have been putting off for years. Because the practice is entirely virtual, you do not need to live near an office, take time off work, or sit in a waiting room. If you live in Illinois or Missouri and you are not sure where to begin, that is exactly who this is for.

The practice is built and run by Kevin Melcher, a solo attorney licensed in Illinois and Missouri and dedicated exclusively to consumer bankruptcy relief, with a decade of guiding families toward financial renewal. He writes these articles, answers the questions, and handles every case personally. There is no intake service, no call center, and no case manager between you and the person responsible for your filing. From your first question to your final discharge, the advice you receive comes from the attorney who owns your case.