BANKRUPTCY
CHAPTER 7
Bankruptcy - Liquidation
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Chapter 7 allows individuals to eliminate debt. Credit cards, loans, medical debt, some taxes, past repossessions, past rent, past utilities, and many other types of debts can be eliminated in a chapter 7, if you qualify. Your income should be below a certain amount to qualify for a chapter 7. Most people that file chapter 7 do not lose any of their property.
CHAPTER 13
Bankruptcy - Reorganization
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Chapter 13 is a payment plan that allows individuals to reorganize debt. Sometimes people file chapter 13 to stop a foreclosure of your home and pay the mortgage through the bankruptcy, or stop a repossession of a vehicle and pay the vehicle through the bankruptcy. Chapter 13 is also filed by higher income individuals or others that might not qualify or prefer to file a chapter 13 payment plan.
STOP LAWSUITS/ DEBT
HARASSMENT
Filing bankruptcy stops debt collection lawsuits, eliminates many kinds of debts, and stops creditor harassment. This is known as the automatic stay. This is one of the best benefits of filing bankruptcy, the automatic stopping of collection activity. If a creditor violates the automatic stay, we have local counsel that are bankruptcy lawyers that we refer to that specialize exclusively in suing creditors for stay and discharge violations.
STOP FORECLOSURE
Filing bankruptcy stops foreclosure of your home, and also repossessions of motor vehicles. You can pay off the balance of your car through the chapter 13 payment plan, and the past due mortgage payments and ongoing mortgage payments through the chapter 13 bankruptcy payment plan as well. In Texas, foreclosures occur on the first Tuesday of every month. We stop foreclosures every single month through bankruptcy filings.
Chapter 13 Bankruptcy
PERSONAL INJURY LAW
VEHICLE ACCIDENTS / WORK ACCIDENTS
If you or a loved one has been injured in a vehicle accident or in a work accident, we can help you get the compensation you deserve. Call us now. No upfront fees. No fee unless you receive compensation.