Houston Bankruptcy Attorney

Get your life back on track. Offices in Houston and throughout Texas

If you are considering filing for bankruptcy in Houston, the attorneys at Malaise Law Firm can help you get your life back on track.

Many Houston residents are facing challenging times right now with the economic recession affecting the United States. Living paycheck to paycheck and relying on credit cards or personal loans to make it by may leave you with little to no room for error. Even when you try to manage your finances and are careful with your money, unexpected circumstances may lead to a financial emergency that leaves you with nowhere to turn. Bankruptcy is not a decision most individuals take lightly nor is it a choice most want to make, but finding out about bankruptcy can help you make the right decision for your personal financial circumstances. By contacting a Houston bankruptcy attorney, you will be taking the first step towards making the right choice for you. You can find out from a legal professional what options you have in seeking this form of debt relief, how your particular debt may be affected, when you can expect to experience relief, whether you can save your home from foreclosure, and so much more.

Whether you have been affected by a job loss, divorce, medical expenses or overwhelming credit card debt, you may be in the position of being unable to cover your current debt and don't see too many options to handle your situation. Our office is here to let you know that you do have options, and many of them can be discussed with you in our first confidential and free initial consultation. With the help of our caring and dedicated bankruptcy attorneys 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. By providing you easy to understand choices as regards your debt situation, together we can work out how to alleviate your condition and get you back on the right track.

Bankruptcy, unfortunately, has garnered a social stigma that makes it confusing for people who are caught in a particularly terrifying financial struggle. They buy into the myths about bankruptcy and never consider it as the solution that it often can be. Unlike popular belief, bankruptcy will not ruin your credit for ten years and will not cause you to lose absolutely everything that you own. With the proper help and guidance of a bankruptcy lawyer, you will actually be able to begin the process of your credit almost immediately following any bankruptcy filing that you proceed with. It may seem like a complex, impossible process, but if you choose to work with an attorney interested in helping you and knowledgeable in all aspects of bankruptcy, it can be a painless way to move on in your life. Why live with the constant strain and fear of debt? Why undergo the terror of creditor harassment as they pursue every avenue in hopes of collecting? By contacting a lawyer to discuss the possibility of filing for bankruptcy, you are taking the first step to a brighter future.

Learn More About Debt Relief & Bankruptcy

Bankruptcy is not always the right choice for a debtor. There are many aspects of bankruptcy and other possible forms of debt relief to discuss and consider. Our highly skilled lawyers are familiar with all of them, as they focus specifically on bankruptcy law. When you meet with our legal team to find out how we can help you, you can feel confident you have one of the most knowledgeable and proficient firms in Houston. To assist you with information and find out how we can assist you, we offer our legal experience in virtually all areas of bankruptcy and debt relief.

Types of Debt Eliminated
The entire purpose of bankruptcy is to offer a debtor protection in order to eliminate his or her debt, whether this is by liquidating assets to pay off creditors under Chapter 7 or by working out a repayment plan under Chapter 13. It is important to note that not all debt can be discharged through bankruptcy. It typically only applies to unsecured debt, such as credit cards, personal loans, utility bills and the like. Secured debt, such as mortgages and car loans, may not be discharged. Taxes and student loans are also typically not discharged through bankruptcy. There are exceptions, however, and this is one of many reasons it is so important to work with an attorney through the entire bankruptcy process. You may be surprised to find that you can eliminate debt that you didn't think would be discharged. Click here to learn more about the types of debt eliminated through bankruptcy.

This website contains a good deal of information about the types of cases we handle. It also contains helpful tips about bankruptcy and debt relief, such as choosing the right Chapter, what property may be protected and what you may lose, how bankruptcy exemptions may affect your home and personal property, how the bankruptcy reform may affect your ability to qualify, and what warning signs to look for that may indicate that bankruptcy may be necessary. Whether it is by reading the information on this site or in discussing your particular case with a lawyer at our Houston law offices, you can also find out more about the bankruptcy timeline, life after bankruptcy and potential alternatives that may help you avoid bankruptcy.

You can also find out what advantages are associated with Chapter 7 or Chapter 13 bankruptcy in particular, what is involved in passing the Chapter 7 means test and how bankruptcy may affect your tax debt. In any of these or related matters, we can offer you honest advice and guidance that will help you make the right choices for your unique situation. With a confidential review of your financial situation, we are confident that a Houston bankruptcy lawyer can offer you the level of help you rightfully deserve.

Helping You With Debt Solutions

Being overwhelmed by debt can be one of the most stressful things you may have encountered in your life. Being called and harassed by collection agencies, facing lawsuits and not knowing where you are going to get the money to pay your bills is emotionally taxing. We are here to provide you relief from the stress you have been going through by stopping your creditors from contacting you as we work on stabilizing your finances. By taking the right steps in confronting the situation with a caring lawyer, you are making the right decision to begin to handle your financial future.

Our firm has been helping the residents of Houston and the surrounding communities with over 40 years of combined practice. Our legal staff provides you with personal attention and focuses on this area of law exclusively, so that you know the attorney helping you is well-versed in all aspects of your case. In addition to reviewing the wealth of information we have included on this site, you are welcome to view helpful videos that we have created. You can watch videos about various topics: choosing an attorney, the bankruptcy process, your options and qualifying for bankruptcy.

Find out more about your financial situation and options by contacting a Houston bankruptcy attorney for a free initial consultation.