San Antonio Chapter 7 Bankruptcy Lawyer
Do You Qualify to Eliminate Debts Completely?
Chapter 7 bankruptcy is a discharge of your unsecured debts. Eligible debts are permanently eliminated. You do not have to pay them back and creditors cannot take any further action to collect on those debts.
I am Randolph Osherow, a bankruptcy lawyer in with 25 years of experience in consumer bankruptcy law. I have helped people in San Antonio, Texas and Bexar County eliminate their debts and accompanying stress. Contact me today to explore whether you are eligible to file Chapter 7.
A Fresh Start Through Chapter 7 Bankruptcy
Chapter 7 wipes out most unsecured debt, such as credit card balances and medical bills. You will still be responsible for your mortgage and other non-dischargeable debts, but by eliminating unsecured debt there will be a lot more money to cover those obligations. (See What Debts Are Discharged?)
Many people worry that they must surrender everything they own by filing for personal bankruptcy. In reality, there are generous exemptions and the average person will not forfeit any assets. (See What Assets Can I Keep?)
As soon as we file your Chapter 7 petition with the Bankruptcy Court, all creditor actions must stop. This includes the harassing phone calls from credit card companies, threats from collection agencies, foreclosure proceedings and vehicle repossession (if you keep up your mortgage and car payments).
Are You a Candidate for Chapter 7?
In my experience as a bankruptcy attorney, most Bexar County residents qualify for Chapter 7 under the income guidelines, but there are other factors to consider. Chapter 7 may not be an option if:
- You earn too much under the income means test
- You have substantial assets that would not be exempt
- You are months behind on the mortgage and facing foreclosure
- You are morally opposed to walking away from your debts
In each of these cases, you may still qualify for a Chapter 13 debt repayment plan, which halts creditor actions and spreads your debts out over several years.
Free, Confidential Consultation
Chapter 7 bankruptcy is a huge psychological relief, but it's not a magic solution to all your problems. Call my San Antonio office at 888-846-5141 to schedule a consultation in a relaxed, one-on-one setting. I personally handle your case from start to finish.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
