Best Abogados De Bancarrota in Scurry 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 Scurry Texas bankruptcy lawyer at our law firm about your options.
Our law firm is a trusted and tested bankruptcy law firm in Scurry , serving residents of the Scurry 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 Scurry 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 Automatic Stay - What Are the Exceptions to Its Rules?
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.
Which Bankruptcy To File?
The world of corporate bankruptcy law can be complex and intimidating. Don't let confusion get in the way of making the best decisions for your company: read on to get answers to the most commonly asked corporate bankruptcy questions.
Q. What is bankruptcy?
A. When a business has financial liabilities that exceed their assets or is unable to meet financial obligations, that company is insolvent-unable to pay their creditors, the company must come to an agreement with their creditors regarding payment or file for bankruptcy protection. This judicial solution gives the courts the power to settle the company's debts. Bankruptcy proceedings can be initiated by the debtor or by the creditor (called an involuntary bankruptcy). Filing a bankruptcy petition affects all of your creditors including:
- Secured creditors (those with a lien on your property)
- Unsecured creditors (vendors, credit card companies and others without a security interest in your property
- Judgment creditors (creditors who have sued and obtained a judgment against the debtor prior to the bankruptcy filing)
- Creditors with super priority claims (those with priority over other creditors because of special rules within the bankruptcy)
- Creditors with administrative claims (creditors such as accountants or lawyers with priority because of their assistance in the bankruptcy filing)
A. Filing a bankruptcy petition simply starts a legal proceeding, with no guarantees regarding the outcome. That is to say, the debtor will present evidence of its insolvency, but there is no guarantee that the court will declare them bankrupt. This statutory process gives creditors and other parties the opportunity to challenge the debtor's allegations and object to the relief being sought by the debtor.
While it may be surprising that creditors are willing to participate in business workouts, they're more likely to receive greater compensation for their debts if your company does not file for bankruptcy. Using an alternative to corporate bankruptcy proceedings benefits creditors as well as the debtor, because some, or even most, of the debt will not be repaid under a bankruptcy proceeding. Secured debt, unsecured debt, and tax debts can all be resolved as a part of a workout. For additional information about business bankruptcies and your company, contact your area bankruptcy lawyers.
Which Bankruptcy Is Better?
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.