Chapter 7 Attorney in Houston
If you are pursuing debt relief through Chapter 7 bankruptcy, call a Chapter 7 attorney in Houston today. We can help you review and organize your documentation and prepare your case for presentation before the 341 Creditors’ Meeting.
For Chapter 7 bankruptcy assistance, call 281-531-0902 now.
Schedule a free and confidential phone assessment of your case.
The current financial crisis in our country has forced many individuals and families to petition the courts for debt relief through bankruptcy. While it is never an easy decision to make, it is a viable option for those who qualify. We are here to help you examine your situation and determine your eligibility for debt discharge through the courts. Certain petitioners who are not eligible for relief through Chapter 7 may be eligible for debt discharge through Chapter 13 bankruptcy.
A number of factors must be considered in order to determine your eligibility for Chapter 7 bankruptcy. The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 created a “means test” for potential petitioners, which is a set of guidelines by which debt discharge eligibility is determined.
The “means test” is actually more like performing a comparison of your income to the median income of the State of Texas along with a comparison of your debt to income ratio – and then making a consideration for the number of members and dependents in your household. It can be a bit overwhelming. That is why we are here. We help clients petitioning for Chapter 7 bankruptcy:
- Enroll in credit counseling (this is a required step that must be completed sometime within 180 days of a debt relief petition)
- Collect and review the necessary documentation to submit their files to the courts
- File completed petitions along with filing fees
- Ensure that an automatic stay is put into effect and enforced
- Pursue legal action, if collectors and creditors continue to harass them by phone or by mail
- Facilitate the protection of exempt assets as provided in the Bankruptcy Code
- Understand that certain debts such as student loans and child support will not be discharged
- Prepare and represent their petitions before the 341 Creditors’ Meeting
A petition for Chapter 7 bankruptcy will entitle you to the benefits of an automatic stay, which is a legal decree that prohibits creditors and collections agencies from making direct contact with you either by phone or mail or any other means. An automatic stay will:
- Put a stop to certain types of lawsuits
- Put a stop to repossession efforts
- Put a stop to foreclosure
- Put a stop to wage garnishments
- Put a stop to collections calls and other forms of harassment
- An automatic stay is replaced by a permanent injunction, once the debt discharge process has been completed
If you are contemplating a Chapter 7 bankruptcy, call our firm today. We can provide you with a free consultation to discuss the details of your case.
We know that facing financial hardship is difficult. If you are contemplating debt relief through the courts, give us a call. If you are not eligible for Chapter 7 relief, you may be eligible for debt discharge through Chapter 13 bankruptcy. Let us help you find the fresh start you’re looking for.
Call to speak with a Chapter 7 Bankruptcy attorney in Houston, Katy, West Houston, Sugar Land, Stafford, Jersey Village, West University and Piney Point Village, Texas. The Law Office of Mark A. Sanders is a business and family law firm with offices in both Houston and Katy. No law firm can make any promises or guarantees pertaining to the outcome of your bankruptcy case.