South Texas Bankruptcy Attorney

Bankruptcy Lawyer Serving Corpus Christi, McAllen, Brownsville and Harlingen

Are you currently faced with overwhelming debt or in any financial situation that has left you wondering whether bankruptcy is your only option? Do not make any rash decisions or file for bankruptcy without first discussing the matter with an experienced attorney. This is an often complicated process that may have dramatic effects on you and your family - and by first consulting with a South Texas debt relief lawyer at our law firm you have the opportunity to get information that applies to your unique financial scenario, concerns and goals. By contacting our firm for a confidential consultation, you can find out more about how bankruptcy may affect creditor harassment, wage garnishment, foreclosure, repossession, tax debt and the many other issues you may be dealing with at this time.

Bankruptcy is a difficult subject to face for many people. When you are overwhelmed by debt and don't appear to have many options, most people still would rather have some alternatives to bankruptcy. With these difficult financial times we are all struggling with in Texas and across the United States, however, there are not many solutions available that will work better at eliminating and handling your debt than bankruptcy. The state and federal governments have provided consumers with bankruptcy laws that provide you protection from your creditors when you need them the most. If you have suffered the loss of a job, a divorce or unexpected medical bills, you may need to consider bankruptcy as your best option under the circumstances. To help you with the best choice for your specific situation you should contact the bankruptcy attorneys from the Malaise Law Firm serving the South Texas area in Corpus Christi, McAllen, Brownsville and Harlingen.

Chapter 13 Bankruptcy
Chapter 13 bankruptcy involves a reorganization of debt through a repayment plan, which the debtor creates and submits to the bankruptcy court for approval. The repayment plan generally involves a monthly payment to the bankruptcy trustee, who then distributes it amongst creditors. This plan may last for 3 to 5 years, depending on the case. This form of bankruptcy has the power to help a debtor save his or her home from foreclosure, and it protects all assets, property and co-signers. Click here to read more about Chapter 13.

Chapter 7 Bankruptcy
The fastest and most clear-cut form of bankruptcy, Chapter 7 involves the liquidation of certain assets and property that are not protected by bankruptcy exemptions. This property is sold to pay off creditors. Although some debtors may worry that they will lose their property when they file, this does not usually occur because much of it is protected under state and/or federal bankruptcy law. Click here to read more about Chapter 7.

Our primary concern is to help debtors experience all of the benefits that bankruptcy has to offer. We provide personalized service and dedicated legal representation based upon this principle goal and are ready to help you.

Filing for Bankruptcy

It is a shame that many people will ignore bankruptcy as the viable solution it is simply because they are afraid of it, they do not understand it or are overwhelmed by the process. Most of these fears are the cause of common bankruptcy myths. Such myths include the idea that your credit will be mangled for the next ten years, or worst, that you will not be able to get credit again, ever. That is, however, not the case at all. In fact, with a supportive and skilled South Texas bankruptcy attorney at your side guiding you forward, you can begin to rebuild your credit almost immediately. By being smart, controlling your finances and working your way up, you can restore your credit again with time. Bankruptcy does not have to be such a frightening process -- it should, instead, be looked at as an option that can help you move forward in your life, clearing your slate so you can start a fresh new chapter.

Our caring and dedicated legal staff will explain the bankruptcy process to you in terms you can clearly understand. Our firm has professionals who focus specifically and only on bankruptcy law, giving you the best advice available for your financial needs. We will work closely with you to implement the best legal strategy to get your finances in order. Whether we file a Chapter 7, Chapter 13, Chapter 11 or work at merely consolidating and negotiating your debt, you can feel confident that the bankruptcy lawyers from the Malaise Law Firm will be doing their best for you.

When dealing with bankruptcy, you will find there are many warning signs to watch out for. You will also have many questions to ask, such as whether you qualify, what will you lose in a bankruptcy and which type of bankruptcy is right for you? Our knowledgeable legal team will explain any bankruptcy myths you may have heard, the bankruptcy timeline to expect after your filing and the benefits of bankruptcy.

There will be many decisions to make. A thorough and complete review of your finances will be conducted, along with a confidential and detailed interview with you to assist in determining the strategy that will be used to stop your creditors, foreclosure or wage garnishments. There are many types of debt that can be eliminated, and handling them to the best of our ability is why you should choose the Malaise Law Firm to free you from the burden of debt and help you to achieve a successful financial life after bankruptcy.

Bankruptcy in South Texas: Helping Eliminate Your Debts

Having to file for bankruptcy is one of the most difficult and stressful things someone might have to face in their life. That is why the Malaise Law Firm will keep you fully informed of the process every step of the way, and will provide you with excellent customer service so that you can feel confident your case is moving along as it should. During this stressful time, you can rely upon a debt relief attorney at our offices to guide you in an honest and professional manner all while protecting your legal rights and financial interests on a short and long-term basis.

Our firm has been helping the residents of Corpus Christi, McAllen, Brownsville and Harlingen and surrounding areas for over 40 years. Our legal staff provides you with personal attention and focuses specifically on bankruptcy law, so that you know the attorney helping you is well-versed in all aspects of bankruptcy.

Our initial free consultation can answer your questions regarding the bankruptcy process. Contact a South Texas bankruptcy lawyer at the Malaise Law Firm, serving Corpus Christi, McAllen, Brownsville and Harlingen, to discuss your situation.