Beaumont Bankruptcy Lawyer
Struggling with debt? We provide bankruptcy assistance in Beaumont.
In today's economy, many people are finding it difficult to pay their monthly bills without slowly slipping into debt. If you cannot pay your bills, bankruptcy may be the best option for you. Typically, clients file for bankruptcy to put an end to negative circumstances related to debt, such as
creditor harassment and
foreclosure. Maida Law Firm, P.C. is familiar with all bankruptcy situations and laws. The firm can help you!
Helping You Know When You Need to File Bankruptcy
Filing for bankruptcy is also beneficial for those who are facing vehicle repossession, judgment liens, and
garnishment of bank accounts. If you find yourself in any or all of the situations below, filing for bankruptcy may be right for you:
- You do not have the money to pay your bills when they are due
- You are putting money on credit cards and are using loans to make monthly payments
- You are thinking about opening a consolidation loan, home equity loan, or a 2nd mortgage
- You are being harassed by creditors
- You are being sued or wages are being garnished due to the amount of debt you are in
- You have not paid your mortgage in a number of months
The economy may take years to recover from a downturn, but you can begin your personal financial recovery right now by filing bankruptcy. At the Maida Law Firm, P.C., the Beaumont bankruptcy attorney can help determine whether bankruptcy is right for you and if so, help you throughout the entire process.
How Maida Law Firm, P.C. Can Help Beaumont Residents
At the Maida Law Firm, P.C., the Beaumont bankruptcy attorneys help people obtain relief from debts by filing for either Chapter 7or
Chapter 13 bankruptcy. With offices in Beaumont, the bankruptcy lawyers represent individuals and small business owners throughout southeast Texas and the Texas Gulf Coast.
Since the Maida Law Firm has more than 40 years of experience and Attorney Frank Maida Board Certified®
in Consumer Bankruptcy Law by the Texas Board of Legal Specialization, the firm has the skills and experience necessary to successfully resolve its client's cases.
Both Chapter 7 and Chapter 13 bankruptcy can put an immediate stop to creditor harassment, bank account garnishments, judgment liens, and foreclosure. By filing for bankruptcy, you can regain your peace of mind and move on with your life. The attorneys at the Maida Law Firm, P.C. can help you rebuild your credit and answer your questions. The firm does not just consider you as a number, which means that even after your case is closed, your attorney can still assist you with your bankruptcy needs. They can help you
get organized and to look forward to a future that is free of debt and creditor harassment.
Information Regarding Bankruptcy in Beaumont
If you have more questions concerning bankruptcy, please review the information on this website or contact the firm. Maida Law Firm offers a substantial amount of information that is provided to help you successfully navigate your case, and the information on this website covers many common areas of interest for consumers considering bankruptcy. While this information is not a substitute for a case evaluation, the Maida Law Firm, P.C. hopes that it will help calm your anxiety.
Chapter 7 Bankruptcy
Chapter 7 bankruptcy is the simplest form of debt relief. Known as liquidation bankruptcy, it allows you to obtain a complete discharge of unsecured debts such as credit card bills, medical bills, and payday loans. Not everyone is eligible for Chapter 7 bankruptcy. If it is determined that you are not eligible for this type, you may be eligible to file Chapter 13 bankruptcy. The firm's bankruptcy attorneys serve clients in Beaumont, as well as Houston (by appointment only), and can answer Chapter 7 bankruptcy questions. The attorneys can also discuss what steps and benefits your best options include.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy is a court-approved debt repayment plan. Unlike other debt consolidation plans, Chapter 13 gives you the full protection of federal bankruptcy laws. When you file for this chapter of bankruptcy, your creditors are forced to accept whatever payments the court determines you can afford, which may be pennies on the dollar. If you have any questions about Chapter 13 bankruptcy, discuss them with a Beaumont bankruptcy lawyer from the Maida Law Firm, P.C.
Benefits of Bankruptcy in Texas
Filing for bankruptcy can help individuals and families get back on their feet if they are struggling with finances. The state of Texas offers more protections and benefits in bankruptcy than many other states. There are many positive to filing for bankruptcy, such as:
- Saving your home from foreclosure
- Putting an end to creditors' calls, letters, and other forms of harassment
- Putting an end to wage garnishment
- Allowing you to start over and live a debt-free life
If you file for bankruptcy, your home is exempt from creditors regardless of the value. Also, you can mix and match the beneficial exemptions from both state and federal law. When you are in debt, creditors often harass you and perform many different types of collection efforts to try to get the money owed to them. Filing for bankruptcy can put an end to creditor harassment and any of their actions, including wage garnishment, repossession and even foreclosure. Bankruptcy can also wipe out your unsecured debts such as credit card debt or personal loans. If you need help in a financial hardship, speak with a bankruptcy attorney in Beaumont and see if this is a viable option for you!
Contact a Beaumont Bankruptcy Attorney Today
The Beaumont bankruptcy attorney at the Maida Law Firm can answer your questions about debt relief. They are proud to serve clients throughout Beaumont and Houston, Texas, and if you are a small business, the attorneys can discuss the option of Chapter 11 bankruptcy. During your initial case evaluation, the attorneys at the firm can help you decide what your best option is regarding filing for bankruptcy.
Everyone has a unique situation, and if you are dealing with bankruptcy in conjunction with divorce, then it is important to talk with an attorney from the firm.