A Light at the End of the Tunnel
Filing for bankruptcy is a big decision that should not be taken lightly. But if your debts are out of control and the collection agencies are hounding you, it may be your best or only option. Bankruptcy provides a break from creditors and can help wipe out your unsecured debts completely.
At the law firm of Randolph N. Osherow, P.C., you are counseled by an attorney with 25 years of experience in Texas bankruptcy law. I have helped individuals and small businesses achieve true debt relief. Contact me today for a free consultation. I take cases in San Antonio, Texas and all of Bexar County.
Bankruptcy Is Not Financial Ruin — It's a Fresh Start
Whether you lost your job, incurred overwhelming medical bills, or relied too much on easy credit, the reality is that you owe more than you can repay. Bankruptcy provides a way to reduce the stress and start over.
I will sit down with you to examine your financial situation, address your concerns and explain the pros and cons of bankruptcy in language you can understand. From my years of handling consumer bankruptcies and my experience as a bankruptcy trustee, I know how to deal with creditors and the IRS, and how to put you in the best position if you decide to file.
- Chapter 7 Bankruptcy — If you are eligible for Chapter 7, your qualifying unsecured debts are eliminated. You will not lose everything — in fact, most filers keep everything.
- Chapter 13 Bankruptcy — If you do not qualify for Chapter 7, or are delinquent on your mortgage, a Chapter 13 reorganization gets creditors off your back and allows you to catch up on house payments and repay your debts over time.
- Small Business Bankruptcy — Filing for Chapter 11 protection may or may not be the answer. I will give you a frank assessment of the prospects for emerging from bankruptcy, and explore all options including refinancing business assets and negotiating with creditors.
- Stop Home Foreclosure — Allowing the bank to foreclose is no solution. I can help save your home through a bankruptcy or loan workout, or cut your losses in a short sale.
Experience Counts
The experience of your lawyer can affect what debts are discharged in bankruptcy and what assets you keep. I am a solo attorney who offers the knowledgeable representation and personal attention to get you through this depressing time and back on your financial feet.
See The Bankruptcy Process and our Bankruptcy FAQ for background information and answers to common misconceptions, or call my San Antonio office now at 888-846-5141 to explore your debt relief options in a free consultation.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
