Associates of Houston P.C. is an California based law firm practicing in the area of bankruptcy, helping individuals and businesses in the Houston area and throughout Harris County and Texas find effective and affordable debt relief. If you are suffering from mounting debt and financial stress, we can work towards finding solutions that can give you hope for a fresh start and a sound financial future.
The attorneys of Associates of Houston, PC help individuals and businesses use the United States bankruptcy laws for their intended purpose: to help people in crisis and give them a second chance. Bankruptcy laws were originally enacted in order to protect people who are unable to repay their outstanding debts. Whether you file under Chapter 7, Chapter 11 or Chapter 13, there is a bankruptcy process that can help you deal with your debts in an orderly and efficient manner. Each bankruptcy chapter has its advantages, and only after consulting with experienced professionals can you get the best idea of which one might fit your needs the most. Chapter 7 can eliminate debt for a consumer and give them the opportunity for a fresh start with virtually no debt and sometimes none at all. If someone is ineligible for Chapter 7 bankruptcy, Chapter 13 can be used to stop foreclosures and repossession while they develop a workable plan to repay certain debts. Businesses that are seeking to continue operating while reorganizing debts can file under Chapter 11, and those looking to close up without worrying about continuing debt liability can also find help in Chapter 7.
Bankruptcy Stops Creditor Harassment
The minute we file for bankruptcy on your behalf, all creditor harassment stops immediately. This includes the stoppage of foreclosures, repossessions, lawsuits, wage garnishments, and harassing phone calls. The stoppage, or automatic stay, may be effective throughout the entire bankruptcy proceeding. In the meantime, the bankruptcy court coordinates all of your creditors and debts and puts them in one place. This allows you to deal with them all at once rather than answering to numerous creditors and their individual demands. Whether you are seeking to discharge your debts or create a repayment plan, your creditors will be legally bound to accept the court's decisions. They will not be able to come after you for any more payments.
Our firm has helped thousands of individuals and businesses throughout Houston and Texas get a fresh start and find financial relief through the bankruptcy process. Though escalating debts and unpaid bills can cause you significant worry and seem overwhelming to face on your own, the path to help and peace of mind is just a phone call away. For more information about how the bankruptcy attorneys at Bankruptcy Associates of Houston, PC can help you, contact our office at (858) 713-2199 or online. We serve clients in the Harris County area, and other communities in Houston and Texas.