If you spent more than you earned you may need help from a Fort Worth bankruptcy lawyer
You shouldn't procrastinate calling a Fort Worth bankruptcy lawyer for debt liquidation advice. Bankruptcy laws may limit the ability of debtors to discharge large amounts of unsecured debts under a Chapter 7.
More necessary than ever to file
Retaining the services of a qualified Fort Worth bankruptcy lawyer is more necessary than ever. A sponsoring Fort Worth bankruptcy lawyer of Total Bankruptcy may help you file for a Chapter 7 discharge to eliminate the major portion of your unsecured debts. Bankruptcy laws make it far more complex than before and take more time for a Fort Worth bankruptcy lawyer to secure you a Chapter 7 discharge.
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Under the current bankruptcy law, any debtor trying to file under Chapter 7 has to pass a "Means Test" and show proof from a debt counselor that they have tried to reduce their debts. And if a judge should either deny the Chapter 7 filing or rule that the debtor must file instead under Chapter 13, both the debtor and his bankruptcy lawyer may be sanctioned and fined.
Total Bankruptcy may be able to help you now and in the future
If you are thinking about filing, you do not want to wait much longer. By calling 1-877-349-1309 you can speak with a qualified attorney who is available to analyze your situation. Or you may take the time to fill out our online evaluation form, which is kept absolutely secure and confidential, and one of our sponsoring attorneys should contact you to schedule a no obligation, initial consultation with you about your case.
Chapter 13 - It may be a good option depending on your situation
In the case of significant non-dischargeable debts, you might consider a Chapter 13 filing. You may qualify for a Chapter 13 if you have a regular source of income and enough disposable income to be able make your monthly payments under your repayment plan. In addition your debts must not be too high. If your secured debts (which include loans you have secured by liens on your property, such as your home and auto loans, and even IRS tax liens) exceed $922,975, you are not eligible for a Chapter 13. Your unsecured debts may not exceed $307,675.
A Chapter 13 is designed for consumers who are behind in their payments for property that they want to keep after discharging and/or consolidating their debts, such a home mortgage or an automobile loan. Also a Chapter 13 may work if you owe money to the IRS, have non-exempt property, received a Chapter 7 discharge within the previous eight years or, have a student loan or want to protect your cosigners.
You may need to get the right help - Call 1-877-349-1309 today!
Click Here For a Free Bankruptcy Evaluation
The purpose of this web site is to help you learn everything you need to know about bankruptcy, the process, your bankruptcy attorney and your legal rights. The best place to start is with the U.S. Bankruptcy Code. It delivers protection to people in financial jeopardy who are suffering under mountains of debt. Bankruptcy is your legal right.