Best Hispanic Bankruptcy Attorneys in Rowlett Texas
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 Rowlett Texas bankruptcy lawyer at our law firm about your options.
Our law firm is a trusted and tested bankruptcy law firm in Rowlett , serving residents of the Rowlett 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.
Over these years, we have helped Rowlett 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.
Which Bankruptcy Court Do I File In?
Bankruptcy is little more than a smack on the hand these days. Creditors are certainly not going to look at you as a wise credit risk after bankruptcy, but that will probably not stop them from extending credit to you anyways. It seems a bit odd that consumers appear to be rewarded for skipping out on their debts through bankruptcy.
We would like to think that anyone who files for bankruptcy must really need the relief to be willing to tarnish their credit for up to 10 years. But how many people are simply abusing the system? Obtaining credit cards and other loans knowing up front that they are going to file for bankruptcy. Some people will even keep up the payments for a while to create the illusion that they really had good intentions of paying upon obtaining the credit. Then they laugh to themselves when they file bankruptcy, knowing they got one over on the creditor.
This isn't to say that everyone who has a bankruptcy on their record is going to be irresponsible with credit again. But the harsh reality is, most will. Most people know what they are getting into when they add more and more payments to their monthly plate, but they are looking for instant gratification. Bankruptcy courts wouldn't be so full today if this country wasn't so bent on instant gratification, but bankruptcy is just another form of it, so off to court we go.
Which Bankruptcy To File?
El capítulo 13
En el Capítulo 13 usted pagará un plan de pago por un período de tres a cinco años el que dependerá entre otras cosas de los ingresos recibidos en su hogar y las gastos familiares y de los criterios establecidos en la ley. Mediante este plan usted puede pagar atrasos de sus préstamos hipotecarios y de auto y las deudas que no se liberan en una quiebra. Lo más importante de este capítulo es que le permite retener su propiedad de mayor valor al permitido en un Capitulo 7 por no estar exenta, por ejemplo, su hogar y su automóvil si su ingreso le permite pagar este exceso de valor dentro del plan. Usted tiene que tener ingreso suficiente para cubrir sus necesidades y pagar los pagos requeridos según vencen. Si tiene préstamo hipotecario tiene que continuar con los pagos prospectivos, el banco hipotecario está obligado a aceptar los pagos y cobrar el atraso acumulado en el plan de pago.
Debe considerar utilizar el Capítulo 13 cuando:
- Usted es dueño(a) de su hogar y hay peligro de perderlo por dificultades económicas.
- Está atrasado en los pagos pero puede pagar si se le permite algún tiempo.
- Tiene propiedad de valor que no está exenta pero puede pagar a sus acreedores con su ingreso si se le da el tiempo.
- Interesa proteger codeudores (puede ser el jefe en su trabajo o un amigo o familiar cercano).
- Cuando entenda que hay otras razones importantes, debe obtener ayuda o consejo profesional.
Why Bankruptcy Is Important?
When you are faced with a possible bankruptcy, you are faced with a terribly hard decision. Which can you handle better, the overwhelming stress of dealing with such debts or the fact of knowing you did not make it. How else can you possibly get out of this financial mess you find yourself in without ruining your good name or credit? Well, if your credit was that good, would you really be considering bankruptcy?
How ever you personally answer that complex question, a bit of advice is to seek out a non profit credit counseling service for help. They are professionals trained to help make these decisions with you. You are not in it alone but must seek out the help. They will not come find you.
It is true if you are looking to put your financial burdens behind you and receive a fresh start,then bankruptcy may be the right decision for you. However, the credit counselors that deal with creditors may be able to negotiate on your behalf and avoid the bankruptcy all together at least for the meantime.
Clearly no one wants to declare Bankruptcy Guide. I do not believe that an individual would set out and receive credit with the notion that they are going to do all they can to ruin that credit and make it even more difficult to obtain credit in the future. If it does happen that you need to file bankruptcy take the advice of the counselors and try at all cost to avoid future situations that would once again lead you back to bankruptcy court.