Texas Bankruptcy Attorney | Texas Bankruptcy Lawyer | Texas Bankruptcy Law Firm
Most people who file for bankruptcy in Texas are victims of circumstance. Some get in over their heads with variable interest rates on their homes. Some lose a job or get sick, fall behind in payments, and then are threatened with foreclosure. Others simply get behind in credit card payments.
Regardless of the reasons for your financial troubles, there is no shame in contemplating bankruptcy. Chapter 7 and Chapter 13 bankruptcies were established to give people like you a second chance. To learn about your Options, complete the form to the right & receive a Free case evaluation from an Experienced Dallas Bankruptcy Lawyer.
Losing your home or car could be devastating to you, your family, your career & your livelihood. Ignoring your financial problems will not make them go away. Save your family, your life and your future today.
We Relieve the Stress
At Fears | Nachawati, we are fully devoted to helping people file for bankruptcy and leave their debts behind. Our job is to relieve the stress of debt and the threat of foreclosure to let people get on with their lives. We have made every aspect of our services as client-centered as possible:
- Very flexible payment plans are available and we accept credit cards from family, friends, and other third parties.
- We have multiple Texas locations, in Dallas, Ft. Worth, Austin, and Houston, so there is always an office convenient for you.
- All of our staff and one lawyer speak Spanish.
- We have office hours 6 days a week, and evening or weekend appointments are available.
- We offer free parking at all locations.
- Our attorneys will talk with you in plain language, never trying to confuse you with technical terms.
Each Texas Bankruptcy Attorney understands that you may be nervous about even exploring the option of bankruptcy. So we encourage you to learn as much as you can about bankruptcy by exploring our site. If you are just beginning your search, try our Bankruptcy Overview page for a summary of our informational pages.
If you are receiving embarrassing phone calls at home or work, threats of foreclosure or repossession, you need advice from someone who can help. A Bankruptcy Lawyer Can Help Protect Your Property & Your Rights.Send Us a Message
Don't be fooled into thinking that anyone other than a bankruptcy law firm can help you with your financial and legal problems. This is a BAD decision to make. Even though you may be familiar with the facts of your case, you are likely clueless about bankruptcy law and bankruptcy procedure.
A bankruptcy attorney has the legal experience necessary to help you get rid of your debt and get your life back on track.
Your future is on the line - Don't throw fate to the wind. Talk to a Texas Bankruptcy Lawyer in Your Area Right Now Send Us a Message. All you have to do is contact us at: 1 (888) 627-0392 or fill out the free bankruptcy case evaluation above and an attorney from our Texas Bankruptcy law office will contact you.
The world thinks Everything’s bigger in Texas and unfortunately, this is true in the foreclosure market. Only five states have had more filings than Texas this year. With such huge populations centers in various parts of the state, it’s not a surprise. Some good news for Texas is that despite the overall numbers, it ranks much lower in rate of foreclosure meaning that per household, the problem isn’t as bad. Still, with thousands of people not making ends meet every month, there is a huge need for relief.
Fortunately, there are options. If you’re late on mortgage payments or are just barely getting by and know something has to change, you are a likely candidate for a Chapter 13 Bankruptcy protections. We will represent you throughout the entire process and build a case that gets you back on track.
The Texas economy, the world’s 11th-largest, continues to fare better than those of many other states. But Texas felt the effects of the worldwide recession during 2009. The state is emerging from the recession more quickly than the nation, but the pace of recovery is slow.
According to the National Bureau of Economic Research, the U.S. economy peaked in December 2007 and entered recession. The Texas economy continued to grow through most of 2008, with employment peaking in August that year, then Texas joined the nation in losing jobs. During 2009, Texas’ gross state product (GSP) declined more slowly than the U.S. economy (-1.4 percent versus -2.4 percent.)
Despite the state’s economy contracting in 2009, Texas’ relative economic advantage has continued as the state and U.S. economies have begun to recover in 2010. Although job growth will continue to lag the renewed expansion of economic production, the Comptroller’s office estimates that the Texas’ GSP will grow from a reduced base by 3.0 percent during calendar 2010. During the first seven months of 2010, Texas nonfarm employment has increased by 181,500. This was 28 percent of the nation’s total nonfarm employment growth, signaling a Texas job growth rate that is more than three times the national average.
Bankruptcy Protections Can Help!
Individuals buried in debt need fast relief. The required relief may vary from case to case, like relief from creditor harassment, from a lawsuit, or from a pending foreclosure. Fortunately, the bankruptcy process provides you with immediate legal relief from the time you hire an attorney. As your case progresses, the legal protections grow broader in scope and more powerful in effect.
The first legal protection starts when you hire an attorney to represent you during your bankruptcy case. This protection is derived from the federal Fair Debt Collection Practices Act (FDCPA). Under the FDCPA a debt collector is prohibited from direct contact with a debtor who is represented by an attorney. When you hire counsel you are able to forward all communication from a debt collector to your attorney, and the debt collector may no longer contact you directly. This protection stops harassing phone calls and threatening letters from third party debt collectors while you and your attorney are preparing to file your bankruptcy.
The second powerful protection commences the moment you file your bankruptcy case. The bankruptcy automatic stay stops all creditor collection action immediately and automatically. This legal protection applies to all creditors whether or not the creditor is aware of the bankruptcy filing. The automatic stay is a legal protection that immediately stops any pending lawsuit, foreclosure, garnishment, or other legal proceeding. The automatic stay is effective during the duration of your bankruptcy case.
The final protection is the order of discharge that occurs at or near the end of your case. The discharge order is a court injunction that prohibits discharged creditors from taking any kind of collection action against you personally. The discharge injunction forbids a discharged creditor from sending bills, making collection phone calls, or filing a lawsuit to collect on a debt. This protection is final and permanent. Violation of this court injunction has serious consequences, and may result in a federal contempt of court charge.
If you are experiencing a debt problem and need immediate relief, consult with an experienced bankruptcy attorney and find out how the bankruptcy process can help you. Whether you need to stop harassing phone calls, or end a legal proceeding, bankruptcy’s powerful protections can eliminate your debt and give you peace of mind
Contact Us
Of course, at any time, you can call us at 1 (866)705-7584 with any questions. You can also email us through our contact page. We are here to help.
Texas Bankruptcy Attorneys | Texas Bankruptcy Lawyers | Texas Bankruptcy Law Firms
