Missed Appointment

You Took the First Step Toward Financial Relief: Now, Let’s Get You the Results You Deserve

For over 25 years, I represented debtors in over 4,000 consumer bankruptcy cases, helping people file for Chapter 7 and Chapter 13 bankruptcy. Now, my focus has shifted to representing creditors who are seeking to recover what they are owed from Texas debtors. We understand the complexities of bankruptcy law from both sides, and we’re here to help you understand your options when it comes to collecting debts owed to you.

Still Here to Help: Reschedule and Explore Your Options

We noticed that you missed your appointment, and we want you to know that we’re still here to assist you. You might be considering bankruptcy as a solution, or perhaps you’re thinking about other options like liquidating assets or borrowing from friends and family. But before you make any decisions, it’s important to consider the potential consequences:

• Cashing in stocks, IRAs, or other assets may result in penalties, loss of income, and unexpected tax consequences.
• Borrowing from friends and family can damage relationships, as repaying them might be just as difficult as repaying creditors.
• Liquidating assets could leave you with unpaid debts and no assets to live on if your assets don’t cover the full debt.

Instead of risking more financial harm, why not explore your options carefully? Bankruptcy is a powerful tool for managing debt, and we can help you determine if it’s the best solution for you. We’ll guide you through the process of filing, what type of bankruptcy to pursue, and how to protect your assets as much as possible.

No More Collection Calls: Let Us Handle the Stress

If you’re being harassed by debt collectors, we can help. Once you engage an attorney to represent you in bankruptcy proceedings, creditors are no longer able to contact you directly. You’ll be able to instruct them to call us, your legal representative, instead. This simple step can eliminate the stress of constant phone calls and let you start fresh.

Imagine the relief of answering your phone again without fear of hearing from collection agencies. We’re here to make that happen.

Concerned About Your Reputation?

Many people hesitate to file for bankruptcy because they worry about the stigma or how it might affect their reputation. The truth is that only those you choose to tell, or those who obtain court records, will know. Bankruptcy is a right granted by the Federal Government and is built into the legal system for individuals who find themselves in financial trouble.

It’s much like going to traffic school instead of paying a ticket—you get the education, and you avoid a more serious penalty. And just like that ticket, no one has to know you filed for bankruptcy.

Don’t Let Your Credit Stop You

A common concern is the impact bankruptcy will have on credit. While a bankruptcy will remain on your record for 7-10 years, that doesn’t mean your credit is ruined forever. In fact, you can begin rebuilding your credit as soon as your bankruptcy is discharged. You may even qualify for certain types of financial accounts right away. If you take the right steps, you can be in a much better financial position in just a year or two.

But if you wait, things will only get worse. The longer you wait, the more difficult it becomes to manage your debts, and the more it will cost you in the long run. The question is: “If not now…WHEN?”

When Will You Take Control?

Are you waiting for the IRS to seize your assets? Or for your wages to be garnished? What about when your house is foreclosed on?

Why wait for those things to happen when you can take control of the situation now? By acting before things escalate, you can make the decisions instead of letting the government, banks, or creditors decide for you.

Credit Counselors Aren’t Always the Solution

Credit counselors can be helpful, but they often work for your creditors and have no real power to compel them to accept proposals. They can only submit suggestions, and if your creditors aren’t on board, nothing changes.

On the other hand, a bankruptcy law firm can submit proposals that allow you to walk away from your debt and compel creditors to accept them. We work for YOU—not your creditors.