Hiring a Dallas bankruptcy lawyer - A smart option for debtors
A qualified Dallas bankruptcy lawyer who sponsors Total Bankruptcy could be your key to a debt-free future. From help in navigating through the U.S. Bankruptcy Code, to understanding the specific Texas state exemptions, you could benefit from the help of a Total Bankruptcy-sponsoring Dallas bankruptcy lawyer.
Texas law provides a number of exemptions that protect your property, and your Dallas bankruptcy lawyer can determine which exemptions are best for you. Depending on your individual situation, a Dallas bankruptcy lawyer who sponsors Total Bankruptcy knows that you may exempt a generous amount of the equity in your homestead, the majority of wages and commissions for personal services, and a large aggregate exemption for other personal property, including motor vehicles.
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1250 W. Mockingbird Suite 225 Dallas, TX 75247 Map | Directions | Case Evaluation |
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Everything you may need to know about Chapter 7 and Chapter 13 protection.
Total Bankruptcy is administered by prolific consumer bankruptcy attorney Kevin Chern. The Total Bankruptcy effort uses state of the art technology, high-level customer service and a broad knowledge base that helps provide you with a comforting experience during a difficult time in your life.
The Benefits of a Chapter 13 bankruptcy
Whether a Chapter 13 or Chapter 7 bankruptcy is best for you depends upon a number of factors, such as your income, your expenses, and the nature of your debts. However, in general, a Chapter 13 case may be better for you than a Chapter 7 in the following circumstances:
- If you are late on your mortgage or automobile loan, and you may want to get current with these payments and keep your property, you may do this under a Chapter 13 plan.
- If a large percentage of your debt involves unpaid federal taxes, and you have the ability to repay them over time, a Chapter 13 may be more beneficial for you than a Chapter 7.
- If you have a lot of nonexempt property (property which you would have to give up to your creditors were you to file a Chapter 7) Chapter 13 may allow you to keep this property.
- If you have received a previous Chapter 7 discharge, you cannot file another Chapter 7 for eight years.
- If you had your spouse or parent co-sign on an auto or other personal loan for you prior to your filing, a Chapter 7 may not protect your co-signer, and your creditor may go after your family member for the full amount of your debt. Under Chapter 13, your cosigner should be fully protected from your creditors as long as you make your payments under your repayment plan.
Although you may not discharge your student loans in a Chapter 7 discharge, you may be able to include them in your Chapter 13 repayment plan and repay them over time.
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