Chapter 7 Bankruptcy Lawyer in Houston, TX

Bankruptcy is an intimidating prospect. However, if loans, bills, and other forms of debt have you completely overwhelmed with no chance of recovery, bankruptcy may be a viable option. With the help of a skilled Houston Ch. 7 bankruptcy lawyer, you can navigate the bankruptcy process and start working on overcoming your circumstances! At Phillip H. Trueba, Attorney at Law, you receive personal attention from a passionate lawyer and caring staff. We have a thorough understanding of the means test, bankruptcy exemptions, and related matters. Our prices are upfront and honest - you won't be surprised by hidden fees.

Understanding Chapter 7

In order to qualify for Chapter 7, you may need to first pass a means test. If your income is below the state median for your household, you may be immediately eligible to file Chapter 7. If your income is above the median level, Phillip Trueba can help you determine your eligibility and maximize your ability to qualify by capturing all manners of expenses that may be used to rebut the presumption of ineligibility.

Chapter 7 bankruptcy essentially allows debtors to take advantage of a "fresh start" in that there is no debt repayment plan whatsoever, if you qualify. Chapter 7 cases often span only several months and provide the opportunity to discharge personal debts at the conclusion of the case.

In Chapter 7 bankruptcy, certain debts cannot be discharged such as:

• Fraudulent debts
• Student loans
• Certain taxes
• Alimony
• Child Support

The law office will help you determine which debts can or cannot be discharged in your bankruptcy case. The majority of Chapter 7 cases involve a debtor with large credit card or other types of unsecured debts and few assets. In most case, Chapter 7 bankruptcy can allow a person to eliminate or “discharge” a majority of their debt, while using state or federal exemptions in order to retain your assets.

Free Consultation with Trusted Houston Bankruptcy Attorney

Unfortunately, dealing with creditors is unavoidable, so you want to make sure you are doing it on your own terms, and bankruptcy can be an invaluable tool in doing so. With 20+ years of experience, Phillip H. Trueba can help you pursue Chapter 7 bankruptcy and work on obtaining a fresh start. Your creditors have attorneys to pursue their interests, and you should as well. We hold an A+ rating from the Better Business Bureau because of experience, proven ability, and success. Be proactive and take control of your finances by calling for your free consultation today!