When dealing with creditors, you don't want to be unprotected and "go-it-alone". Creditors can easily file suit against you and use many other tactics to get what you owe them. Bankruptcy is your legal right and is safer overall. The word on the street is that bankruptcy is "the unpardonable sin". Nothing could be further from the truth.
I know you have many concerns and we are happy to discuss them all with you through our free consultation. Many people choose to consolidate their debt and make large payments while their credit continually drops. With bankruptcy, your credit does take an initial hit but continues to rise from the moment your debts are discharged.
I know you have many concerns and we are happy to discuss them all with you through our free consultation. Many people choose to consolidate their debt and make large payments while their credit continually drops. With bankruptcy, your credit does take an initial hit but continues to rise from the moment your debts are discharged.
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About
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I have spent my career helping people just like you who are worn out and tired of all the financial burdens debt can cause. Whether you are in financial hot water because you lost your job, experienced a costly medical crisis, got a divorce, or you are just victim of circumstances beyond your control - I can get you back on your feet.
Chapter 7
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Chapter 7 bankruptcy is the most common and the simplest form of bankruptcy. Ninety-nine percent of the time there are no assets to liquidate in Chapter 7. If there are unprotected assets, the Chapter 7 Trustee will liquidate those assets and pay funds to the unsecured creditors. Individuals who seek relief using Chapter 7 must income qualify using the median income for your area.
Chapter 13
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A Chapter 13 is also commonly referred to as a reorganization bankruptcy. The secured and unsecured debts are restructured over a 36 to 60-month period. Generally, we would file a Chapter 13 if you were behind on a secured debt such as a mortgage, vehicle or IRS. Filing for bankruptcy can seem overwhelming - even discouraging.
Longview
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When looking to rent in Longivew, TX you need to know that a landlord can legally refuse to rent you an apartment because of a prior bankruptcy in your credit report. However, if you are presently renting a home or an apartment, your present landlord will typically renew your lease without running an updated credit report, and will probably not know that you filed a bankruptcy.
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