Cleburne TX Top Spanish Speaking Bankruptcy Lawyer

Best Hispanic Bankruptcy Attorneys in Cleburne Texas

filing bankruptcy cost

If you are reading this, then you are probably struggling with debt, and looking for answers to your problems. Get immediate debt relief by speaking with an attorney at our firm. You can discharge debt, stop creditor harassment and get started on the path to freedom from all of your financial worries. Speak with a Cleburne Texas bankruptcy lawyer at our law firm about your options.
Our law firm is a trusted and tested bankruptcy law firm in Cleburne , serving residents of the Cleburne TX area for close to 30 years.

Because of the narrow scope of bankruptcy courts, it is a highly recommended that anyone seeking this form of legal debt relief seek the advice of a competent bankruptcy attorney. This offers a number of distinct advantages for the debtor, among them being that hiring the right bankruptcy attorney will give you valuable insight to how the court in your district operates, in addition to, having worked with the employees of the court in the past.

Lancaster Texas

Over these years, we have helped Cleburne residents:

  • Keep their homes
  • Keep their cars
  • Stop harassment
  • Stop lawsuits
  • Stop wage garnishment
  • Unfreeze bank accounts
  • Discharge debt

A fin de declararse en quiebra bajo el Capítulo 7, usted debe presentar una petición ante su tribunal de quiebras local, junto con varias de las formas que se requieren donde se listen sus ingresos, sus activos, deudas y gastos para vivir. En consecuencia, es necesario proporcionar a su abogado en quiebras una imagen clara y detallada de todos sus asuntos financieros. Si usted tiene principalmente deudas del consumidor, tal como las originadas por las tarjetas de crédito, el tribunal de quiebras requerirá que se someta a una asesoría de crédito con una agencia aprobada, antes de declararse en quiebra. Usted puede declararse en quiebra bajo el Capítulo 7, en forma individual o conjuntamente con su cónyuge.

Bankruptcy, Is It A Way Out

Ley de Prevención de Abuso de Quiebra y Protección al Consumidor

In any sphere of life the first step to overcoming a problem is recognizing it. If financial worries keep you awake at night its time you recognized what the problem is. Addressing your debt problem is the least you can do to save yourself from a debt trap. But if you find yourself with no option except bankruptcy it is advisable to consult a financial advisor to discuss your options.

Do you need to speak with a Bankruptcy Attorney?

1) You have maxed out the credit limit on our credit cards

2) You are unaware of the amount you owe to your various creditors

3) Your monthly income is hardly ever enough for your expenses

4) You have recently been turned down for credit or loan

oYou will never get credit again

oTaxes cannot be discharged in bankruptcy

oWhen you file for bankruptcy you cannot include certain creditors

oEveryone will know you have filed for bankruptcy

Ahead of the Enterprise Act 2002 UK Bankruptcy will last no longer than 12 months, in some cases lesser. The official receiver needs to file a Certificate in Court stating that the investigations are complete. This move, it is expected will increase the number of Bankruptcy cases. The number of websites offering help and information on bankruptcy and various bankruptcy laws has been growing steadily. Debtors need to exercise caution while choosing services of online lenders.

Which Bankruptcy Is Best?

¿Por qué la quiebra es mala?

Una quiebra es un proceso legal mediante el cual una persona que no puede pagar sus obligaciones puede relevarse del pago de algunas o de todas sus deudas y obtener un nuevo comienzo. El derecho a declararse en quiebra en los Estados Unidos de América y sus territorios está provisto en la ley aprobada por el Congreso en 2005 conocida como Ley de Prevención de Abuso de Quiebra y Protección del Consumidor ("Bankruptcy Abuse Prevention and Consumer Protection Act"). Todos los casos de quiebra son tramitados en tribunales de quiebra que funcionan como unidades dentro de los tribunales federales. La radicación de un caso de quiebra detiene inmediatamente las gestiones de cobro de sus acreedores.

¿Qué puede hacer una quiebra por usted?

Una quiebra puede relevarle de su obligación legal de pagar todas o muchas de sus deudas; es lo que se conoce como el relevo. El propósito es permitir un nuevo comienzo.

Una quiebra puede detener la ejecución de la hipoteca de su residencia y permitirle la oportunidad de pagar el atraso. No elimina la hipoteca como tal u otros gravámenes pero le brinda la oportunidad de pagar sus atrasos hasta dentro de los próximos cinco (5) años.

Una quiebra puede prevenir la reposesión de su automóvil u otra propiedad, incluso obligar al acreedor a devolver propiedad reposeída.

Una quiebra puede detener el embargo de salarios, el hostigamiento y otras prácticas de los cobradores; puede restaurar o prevenir la terminación de servicios tales como agua, energía eléctrica, teléfono; puede permitir defenderse de reclamaciones que usted no acepta adeudar; puede proteger sus codeudores mientras usted está en el proceso de quiebra.

Bankruptcy: What's the Difference Between Chapter 7 and Chapter 13?

Burleson Texas

For many people, a huge appeal of the bankruptcy procedure is the automatic stay, which means that from the moment you file your bankruptcy with the court, your creditors are prohibited from contacting you, from trying to repossess your car, garnish your wages or continue on a home foreclosure. However, there are exceptions to the bankruptcy automatic stay and it is worth making yourself aware of them before you file.

One of these exceptions to the bankruptcy automatic stay is child support and another is alimony. These are two specific items which, even if you are successful in your petition to declare chapter 7 bankruptcy, will not be discharged wither.

One other thing worth noting is that if you have filed a petition to declare yourself bankrupt within the last year and have subsequently had that petition dismissed, for whatever reason, upon filing this time around you may find that you are not entitled to any of the benefits of the bankruptcy automatic stay. This is put in place to prevent people from abusing the system.


Texas Top Spanish Speaking Bankruptcy Lawyer