In today's economy, many people find it harder and harder to pay their monthly bills without slowly sinking in debt. If you cannot pay your debts as they come due then bankruptcy may be for you. Typically our clients file bankruptcy for relief from creditor harassment, foreclosure, repossession, judgment liens and garnishment of bank accounts. The economy may take years to recover, but you can begin your personal financial recovery right now by filing bankruptcy.
At the Maida Law Firm, our Houston bankruptcy attorneys help people obtain relief from debts by filing either Chapter 7 or Chapter 13 bankruptcy. With offices in Beaumont and Houston, we represent individuals and small business owners throughout southeast Texas and the Texas Gulf Coast.
Both Chapter 7 and Chapter 13 bankruptcy will put an immediate stop to creditor harassment, bank account garnishments, judgment liens and foreclosure. By filing bankruptcy, you can regain your peace of mind and move on with your life.
If you have more questions concerning bankruptcy please review the information below and the information located on this page located in our "Practice Areas." The information located in "Practice Areas" covers many common areas of interest for consumers considering bankruptcy. While this information is not legal advice, the Maida Law Firm hopes that it will help calm your anxiety and seek our advice through an initial consultation.
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 you are not eligible for Chapter 7, you may be eligible to file Chapter 13 bankruptcy. Our Beaumont Chapter 7 bankruptcy lawyers can talk to you about your options.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy is a court-approved debt repayment plan. However, unlike so called debt consolidation plans, Chapter 13 gives you the full protection of federal bankruptcy laws. When you file Chapter 13 bankruptcy, your creditors are forced to accept whatever payments the court determines you can afford, which may be pennies on the dollar.
Contact Our Houston Chapter 7 and Chapter 13 Bankruptcy Lawyers
Our Beaumont and Houston bankruptcy attorneys offer a free initial consultation to discuss your financial situation and answer your questions about debt relief. Call 409-291-5117 to schedule a consultation at our Beaumont office or 713-987-3910 to schedule a consultation at our Houston office.
Bankruptcy is a generalized term for a federal court procedure that helps consumers and businesses get rid of their debts and repay their creditors. Learn more about bankruptcy, and whether it may be the right solution to your financial situation, by clicking on the links.
