J. Brian Allen, Attorney At Law
Chapter 7 And 13 Bankruptcy Representation In Northeast Texas

Discharge Your Debts Through Chapter 7 Bankruptcy

If you are struggling to pay your bills or you feel like you are falling further behind on your payments, you have rights and options under the law. Individuals whose income is below the median household income in Texas are typically eligible for Chapter 7 bankruptcy. Chapter 7 can relieve your financial challenges and help you move forward with a clean slate.

At my law office, J. Brian Allen, Attorney At Law, I provide the compassionate and knowledgeable bankruptcy advice you can rely on. Having practiced bankruptcy law for more than 20 years, I have helped thousands of people throughout northeast Texas take control of their futures. In addition to my work navigating Chapter 7 bankruptcy, I can help you file Chapter 13 bankruptcy if that is a better option for you.

Which Debts Are Dischargeable?

Some people refer to Chapter 7 as a "fresh start bankruptcy." It got this reputation for its ability to discharge a large portion of a creditor's debts over three to four months. Once you discharge a debt, you essentially erase it from your record. You are no longer obligated to pay back these discharged debts, and continued creditor harassment is illegal.

Working with a lawyer to file Chapter 7 can discharge a broad range of debt, including:

  • Credit cards
  • Consumer debt
  • Medical expenses
  • Payday loans

It is important to note that while Chapter 7 can discharge many of your unpaid bills, it typically only applies to unsecured loans and debts. You typically cannot discharge secured debts such as a mortgage, student loans, unpaid taxes and child support by using Chapter 7 bankruptcy.

Legal Advice Focused On Your Goals

I take a solutions-oriented approach to every client's case to find effective answers to bankruptcy questions. I will help you determine whether Chapter 7 is the best course of action for your situation and will walk you through every step of the process.

I invite you to schedule a no-cost meeting with me in my Sulphur Springs office by calling 903-689-4404. You may also complete the contact form on my website.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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