Our Houston bankruptcy lawyers may be able to use Texas state laws to protect your property.
The Houston bankruptcy lawyers who sponsor Total Bankruptcy should be dedicated to using the law to protect clients who find themselves in extremely difficult financial situations. In fact, a major reason for using our Houston bankruptcy lawyers may be that they are experienced at applying Texas exemption laws to protect your property from creditors.
When your Houston bankruptcy lawyers help you file for bankruptcy, you may be able to take advantage of generous exemptions such as these:
Homestead: You may benefit from a 100% homestead exemption with no limitation on value of your house and property.
Wages: Your Houston bankruptcy lawyers may also protect 100% of your wages and commissions for personal services.
Automobiles: One automobile may be exempt in its entirety - the value of that automobile is included in the total $60,000 exemption for personal property.
To find out more, you may simply call us toll-free at 1 (877) 349-1309, or fill out our online case evaluation form. One of our bankruptcy lawyers should quickly call you to answer your questions and arrange for a meeting at your earliest convenience.
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Is filing Chapter 7 the right option for you?
If the weight of your debt is affecting every aspect of your life, even your health, than filing Chapter 7 may be the best step toward rebuilding a more secure financial future. You may get immediate protection from your creditors when you file for Chapter 7. The first step should be to file a bankruptcy petition in court. This document should ask you to list personal information, including all of your income, your assets, your expenses and your debts. You should also indicate applicable exemptions to which you're entitled.
Then, your attorney should file the petition in local bankruptcy court. When this occurs, the court appoints a trustee to your case and an "Automatic Stay" may be entered, a court order that prevents creditors from taking any further action against you outside of court. This action may ensure that:
Your creditor calls and bills should stop
Your property should not be seized
Your creditors should not sue you
Your house should not be foreclosed upon
Your paycheck should not be garnished
Your car should not be repossessed
Your bank should stop any foreclosure action
Your suspended driver's license should be reinstated
When you use a reliable attorney, the chances are excellent that your Chapter 7 case should sail through the courts. However, please note that you may only file for bankruptcy once in every eight years. In addition, it may be extremely important to follow your attorney's counsel and refrain from:
Attempting to conceal your property
Destroying financial records
Violating a court order
Making enormous, last-minute charges on your credit cards
Bankruptcy may help you eliminate many debts
Some of these may include:
Credit card debt
Medical bills
Most personal loans
Judgments resulting from car accidents
Deficiencies on repossessed vehicles
Some older tax debts
Payday loans
Garnishments
Bounced checks
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.