Are You Considering Bankruptcy?
If you are unable to overcome your massive amount of debt, filing for Chapter 7 bankruptcy might be the answer you’ve been looking for. Filing can be a convoluted process, so it is critical that you enlist the help of an experienced bankruptcy attorney. The Heston Ciment Law Firm has helped over 5,000 people get debt relief by filing for bankruptcy. You can trust our legal experts to help you decide if filing for bankruptcy is your best option, and if so, to guide you through every step of the process.
In order to qualify for Chapter 7 bankruptcy you will be required to complete a credit counseling course. You will also be subject to a means test, which weighs the median Texas income against your own, and also takes your debts and expenses into account. If the means test determines that you qualify for Chapter 7 bankruptcy, you will be able to proceed to the filing process. When filing, you will list all of your debts and assets, and apply for exemptions. Exemptions essentially protect your property from being collected and sold by a trustee of your creditors. You can either apply for state or federal exemptions, but not both. The counsel of our bankruptcy lawyers will be indispensable in securing as many exemptions for you as possible; many clients end up getting to keep everything they own.
Once you have successfully filed, your debts will be discharged and you will get to keep your exempt assets. You will then be required to complete a debtor education course. Finally, you’ll be able to get out from under the shadow of debt and make a fresh start. The harassing phone calls will stop, your credit score will gradually improve, and you can start making steps toward a financially secure future.
If you’re being haunted by unmanageable debt, don’t spend another minute living with the stress. Contact the Heston Ciment Law Firm today for a free consultation with a bankruptcy lawyer and start taking steps toward a brighter, worry-free future.