Bankruptcy Attorney HoustonExperienced Bankruptcy Attorney in HoustonWith more than 25 years of experience representing debtors and over 4,000 bankruptcy filings under Chapters 7 and 13, I now dedicate my practice to representing creditors and handling family law matters. My extensive background enables me to provide knowledgeable and effective assistance in collecting judgments and navigating complex financial legal matters. What Type of Bankruptcy Do You Qualify For?In Texas, the type of bankruptcy you qualify for depends on your income, debt, and financial situation. Here’s an overview: Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Texas Median Income StandardsTo qualify for Chapter 7, your income must fall below the median for your household size, as determined by the “means test.” If it exceeds the median, Chapter 13 may be your only option.
Chapter 13 Bankruptcy in HoustonChapter 13 is a form of debt reorganization where you repay your creditors through a court-approved plan. This option helps prevent foreclosure, repossessions, and other creditor actions. Key Benefits of Chapter 13:
Important Details:
How to File for Chapter 7 BankruptcyChapter 7 involves several steps, including:
Mistakes in filing can result in delays or denials, so hiring an experienced bankruptcy attorney is highly recommended. 341 Meeting of CreditorsThis mandatory meeting allows creditors to ask questions about your financial affairs. While many creditors do not attend, those with secured or disputed claims may use this opportunity to challenge aspects of your case. Preparation is crucial to avoid surprises during the meeting. Post-Bankruptcy ConsiderationsAfter completing your bankruptcy case:
Serving Houston and BeyondI provide legal services for bankruptcy and creditor-related matters in Houston and surrounding areas, including:
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