If you are like many San Antonio debtors today, you may be in a situation where you are overwhelmed with debt, having difficulty making your mortgage payments or are considering some form of debt relief such as consolidation, settlement or even bankruptcy. In any of these or similar matters, it can be difficult to determine what course of action you should take to seek relief. This is when we advise discussing your financial situation, your concerns and your goals with an experienced San Antonio bankruptcy lawyer. This is a potentially sensitive and complex matter that will have lasting effects for you and your family. With the right information and advice provided to you by an honest legal professional, you have the opportunity to make a decision that will positively impact your finances – and put your concerns at ease.
Thousands of residents in San Antonio are facing difficult times due to our current economic conditions. Whether you have been affected by a job loss, divorce, medical expenses or overwhelming credit card debt, you may find yourself unsure of what your next step should be. Having to confront handling your finances can be a difficult thing to do, but ignoring them can lead to dire consequences. With the help of a caring and dedicated San Antonio bankruptcy attorney at the Malaise Law Firm, our firm will work closely with you to determine your financial situation and recommend the best option for your circumstances. Our bankruptcy attorneys in San Antonio will not speak to you in complicated legalese, instead they will explain in simple terms the options for relieving your financial situation. Scheduling a free bankruptcy consultation is your first step towards financial peace of mind.
Many people assume that bankruptcy should never be an option, buying into the many bankruptcy myths that surround the process. It appears complex, frightening and may seem insurmountable, something you can never come back from. This is not the case, however, and the myths should not be believed. With the proper guidance and experienced legal support of a knowledgeable San Antonio bankruptcy attorney, it doesn’t have to be the end of your life, but rather a way to begin the next chapter of it.
By sitting down and evaluating your situation with you, your lawyer will be able to help you decide whether a Chapter 7 or a Chapter 13 would be a better fit, as well as help you understand all of the aspects caused and affected by it, including foreclosure, credit card debt and life after bankruptcy. By thoroughly and completely comprehending both the process and all the ramifications, you can feel more comfortable as your begin to navigate through it with the help of your San Antonio bankruptcy lawyer at your side.
Considering that it is generally the fastest and most straightforward form of bankruptcy, consumers often file under Chapter 7 of the U.S. Bankruptcy Code. This type of bankruptcy involves a liquidation of eligible assets to pay off creditors, although much of the debtor’s property is likely to be protected and creditors may not be paid off in full from the proceeds of liquidation. A debtor will also have to qualify to file Chapter 7 by taking the means test, which involves a comparison of the debtor’s income against the state median. Although Chapter 7 is often referred to as “straight” bankruptcy, it is a complex legal process that is best approached with the protection and guidance of an experienced lawyer. Our firm handles these cases with professionalism and personal, friendly service.
When dealing with 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 once again obtain your financial freedom. With the right approach, you can experience the many benefits that bankruptcy or other forms of debt relief can offer you while mitigating any potentially negative results.
Our firm can provide you with information and legal expertise in virtually any area related to bankruptcy.
Any one of these important topics may have a significant impact on your decision to file for bankruptcy or to seek an alternative route for debt relief. We understand that Chapter 11, Chapter 7 or Chapter 13 may not be the right option for every client, and that is why our legal services are based upon a foundation of personalized attention and dedicated client service. When you work with a bankruptcy attorney at our law offices, you can rest assured that we will offer you information that is pertinent to your unique case as we guide you in making the right decision for YOU, your family and your future.
At the Malaise Law Firm we understand what a trying and stressful time you are likely going through. It is never easy to file for bankruptcy, but with the entire process explained to you, it can become simpler for you to make an informed decision as to what option will work best for you. Not only can we help you make the initial decision of whether to file, but we can also guide you through the process of filing for bankruptcy in order to ensure your rights are well-protected. We will do everything that we can to help you avoid some of the most common bankruptcy mistakes.
Our firm has been helping the residents of San Antonio and the surrounding communities for over 17 years. Our legal staff provides you with personal attention and focuses on bankruptcy law, so that you know the attorney helping you is well-versed in all aspects of bankruptcy. We strongly advocate regular face to face appointments until your case is resolved. Your attorney is always available to answer any questions you may have about the current status of your case. We are not satisfied until you are satisfied.
To discuss your options, contact a San Antonio bankruptcy attorney at our firm.