If you live in or around Rockwall, Texas, and you are struggling to make ends meet, a Chapter 13 bankruptcy filing can get you the fresh financial start you need. Not only will a bankruptcy filing put an immediate end to the harassing phone calls, letters and other efforts by creditors and bill collectors, but it can give you the time you need to get your finances back on track. In many instances, you can work out payment agreements for less than the full amount due.

At the office of Rockwell bankruptcy lawyer Carrie Weir, I offer a free initial consultation to anyone considering filing for protection under Chapter 13. To schedule an appointment, contact my office online or call me at 972-772-3083 .

Stop Creditor Harassment Immediately

Under the 2005 revisions to the bankruptcy laws, you must qualify to file for the permanent discharge of debts under Chapter 7. The law sets up a “means test,” requiring that you demonstrate to the bankruptcy court that you lack the resources to repay your creditors over a three-to-five year period. If you are not eligible for protection under Chapter 7, your only recourse in bankruptcy is in Chapter 13.

Chapter 13 bankruptcy, also known as debtors’ reorganization, allows you to enter into new payment arrangements with your creditors. When you file a Chapter 13 bankruptcy petition, you get many of the same benefits that come with a Chapter 7 filing. The automatic stay under the bankruptcy law goes into effect as soon as you file. This prevents your creditors from calling you, writing you, filing a lawsuit or pursuing any course of action outside of the bankruptcy proceeding to attempt to collect the debt from you.

When you hire a lawyer to assist you with a Chapter 13 bankruptcy, your lawyer will work closely with you to prepare a reorganization plan to submit to your creditors. Your creditors may also initiate negotiations to restructure debt. Your attorney will review any proposed refinancing or repayment agreements to make certain you can afford them. If you make promises in a Chapter 13 bankruptcy proceeding, but fail to keep them, you will most likely lose the protection of the bankruptcy laws.

Don’t make the mistake of trying to handle your Chapter 13 bankruptcy proceeding on your own. The law and the process can be complex and confusing. You want an experienced lawyer to make certain your documents are correctly prepared, and that your interests are fully protected in all hearings or proceedings with creditors, the bankruptcy trustee or the court.

Contact Heath, TX Bankruptcy Attorney Carrie Weir

I offer a free initial consultation to all potential bankruptcy clients. Contact my office by e-mail or call me at 972-772-3083 for a private meeting. With offices in Rockwall, Texas, I represent clients in Heath, Greenville, Lavon, Wylie, Mesquite and Rowlett.

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Call Rockwall bankruptcy lawyer Carrie Weir at 972-772-3083 or fill out the contact from below for a free, confidential consultation to discuss your options.

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