Today’s economic conditions have created hardship for many well-meaning honest individuals. You may worry about foreclosure, eviction, or spiraling interest rates on your credit cards, and you are not alone. Many other people are facing the same troubles despite their best efforts to stay afloat. The Chivis Law Firm is here to help.
Texans seeking relief from escalating mortgage costs, unaffordable rent, or out-of-control credit card debt are encouraged to contact The Chivis Law Firm to schedule a consultation regarding any of the following financial and legal matters. Our office represents individuals in a variety of matters and would be happy to discuss any potential case or issues you may be facing.
Although filing for bankruptcy is never an easy decision, you do not need to make this decision alone. We understand the heavy burden of debt, and the relief that comes with a debt-free future. Because your needs are unique, before starting any legal action, we will take the time to review your debts and assets and create a timely and effective solution tailored to your particular situation. We will handle all the details of your case, and answer any and all questions or concerns you may have about the bankruptcy process.
Chapter 7 Bankruptcy
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Get your life back. Schedule your free consultation with The Chivis Law Firm to learn more about your options for Chapter 7 bankruptcy.
A Chapter 7 bankruptcy can result in your debt being immediately negated with no need to ever pay it off. In other words, you will get a fresh start. While a Chapter 7 will eliminate most of your debt, there are certain types of debt which cannot be eliminated by filing bankruptcy. We will discuss these details further during your initial consultation.
Some people are afraid that a bankruptcy will ruin their credit history. While it is true that filing a bankruptcy will typically have a negative impact your credit rating, for many people, declaring bankruptcy can actually raise the credit rating because the negative value of a bankruptcy is less than that of the high debt. In addition, there are many creditors that specifically offer credit to individuals who recently filed for bankruptcy, since recent filers have a “clean slate” and are therefore better able to pay future debts.
Bankruptcy may or may not be the best option for you. If you are being harassed by creditors, threatened with foreclosure, or just need help with your financial situation, please contact The Chivis Law Firm. We can help you navigate through your options and create a timely and effective solution tailored to your particular situation.