Debt Relief Attorney Serving Tarrant County
When you come to Huebner Law Firm, PC, I can help you understand whether or not you are eligible for Chapter 7 bankruptcy, which is the most common form of bankruptcy as it erases the majority of an individual’s debts. As a Fort Worth bankruptcy lawyer with more than 20 years of legal experience and a commitment to providing non-judgmental and knowledgeable representation, you can trust in me to help you fight for financial freedom.
Since most debt is discharged in a Chapter 7, the court does have certain requirements concerning this form of bankruptcy. A number of factors are considered when determining whether or not an individual is eligible, but ultimately, this chapter of bankruptcy is meant for those individuals who cannot reasonably afford to pay off dischargeable debts.
You Cannot File for Chapter 7 If One or More of the Following Is True:
- You have the means to reasonably pay off your some or all of your debts in a five-year repayment plan
- You have received a discharge through Chapter 7 within the past eight years
- You have obtained a repayment plan through Chapter 13 within the past six years
- You have filed for a bankruptcy case that was dismissed in the past 180 days
- The bankruptcy court believes you are guilty of fraud
How Chapter 7 Bankruptcy Works in Texas
After filing for bankruptcy, an automatic stay is put into effect, which immediately halts creditors from harassing you and attempting to collect on debts. The automatic stay prevents the following:
This stay is in effect until your bankruptcy case is resolved. During this time, your Fort Worth bankruptcy attorney will work with you, a trustee, and your creditors to discharge any debts that are found to be dischargeable. A trustee may claim certain non-exempt property to be sold, or liquidated, for the benefit of creditors in this process. However, in most cases, trustees find little to no property that is ultimately worth enough value to sell.
Nonexempt Assets in Chapter 7
In chapter 7 bankruptcy, the earnings from the sale of the assets are used to pay off some or all of the creditors. If you are thinking about filing for chapter 7 bankruptcy, you must be willing to liquidate some of your property and assets (listed above) to pay your debts. However, having a Fort Worth bankruptcy attorney on your side means you'll have more control over what you'll be asked to sell and what you're allowed to keep.
Take the First Step Toward Freedom: Call (817) 576-1889 Now
To learn more about the process benefits of Chapter 7, call (817) 576-1889 to request your free case evaluation. Huebner Law Firm, PC offers payment plans starting at $50 a week. All you need is a small filing fee to get started!
- Drowning in debt
- Feeling stressed because of your finances
- Being harassed by creditors
Why should I file for bankruptcy
There are a number of benefits to bankruptcy, including avoiding foreclosure and putting an end to creditor harassment. Filing can also help resolve issues concerning repossession, past-due taxes, child support payments, and wage garnishments. If you’ve been sued because of a debt, filing for bankruptcy can also help you fight the lawsuit. I can help you understand what filing can mean for you and your family.
Will I lose all of my property
You might be surprised to hear that individuals who file for bankruptcy often lose little to nothing. Every case is different and the amount that you might have to forfeit depends upon a number of unique and complex factors. However, our firm is proud of our success in helping clients retain those assets that are important to them.
Can all debts be discharged
Most debts can be discharged in a bankruptcy, but not all. Some debts—such as most taxes, child support and alimony payments, and student loans—are nondischargeable, meaning they cannot be eliminated altogether. Fortunately, for these debts, it is possible to reschedule or re-organize your payments to be more manageable.
How does bankruptcy work
Bankruptcy can work in one of two ways. First, by filing for a form of bankruptcy referred to as Chapter 7, you can eliminate all dischargeable debt, including credit cards, car loans, mortgages, medical bills and more. Second, you can file a form of bankruptcy known as Chapter 13, which works to re-organize your debts to give you a longer period of time to pay them off. Chapter 13 is preferable to individuals dealing with nondischargeable debts, do not qualify for Chapter 7, or have high-value assets that they wish to protect.
Why do I need a lawyer
You could certainly file for bankruptcy on your own, but it’s not recommended. You’re already anxious enough without the added complexities of navigating the legal process. Having a lawyer handle your case takes the responsibility off of your shoulders and ensures that every detail will be handled correctly and on time. Not sure you can afford an attorney? Huebner Law Firm, PC offers flexible payments plans to help with your bankruptcy case. Get in touch to learn more.
When will I see results
The timeline for bankruptcy can vary on a case-by-case basis. In general, bankruptcy cases are completed between three to six months, depending on a variety of factors. As your attorney, it is my job to make sure the process is completed efficiently and to fight for your rights every step of the way. Speeding can lead to costly mistakes.
For nearly 20 years, my firm has fought relentlessly for people struggling with debt, many of whom are just trying to get by. We have provided the one thing our clients need: results.
Many families fear bankruptcy as much as they fear asking a lawyer for help. The first thing we want you to know is bankruptcy is not an admission of failure; it’s a way to reclaim control over your financial situation. With that in mind, you can ask for help freely, without worry.
My firm has an in-depth understanding of the law and how it affects your finances. Our primary goal is to free you from debt and stress. With our understanding of the law and a thorough examination of your situation, you can be sure certain that we’ll explore every possible avenue of debt resolution.
There’s nothing to lose—our initial consultations are free and starting your case requires no upfront payment. Our flexible payment plans begin at $50 a week, so call today!
Courts judge people, but we don't.
We are backed by 20+ years’ experience.
We offer completely free consultations.
It is $0 down to start your case.
We offer competitive pricing.
Our payment plans start at $50/week.
We have helped over 10,000 families.
We make weekend appointments available!