Today's economic conditions have created hardship for many
well-meaning honest individuals. You may worry about foreclosure,
eviction, or spiraling interest rates on your credit cards, and you are
not alone. Many other people are facing the same troubles despite their
best efforts to stay afloat. The Chivis Law Firm is here to help.
Texans seeking relief from escalating mortgage costs, unaffordable
rent, or out-of-control credit card debt are encouraged to contact The
Chivis Law Firm to schedule a consultation regarding any of the
following financial and legal matters. Our office represents individuals
in a variety of matters and would be happy to discuss any potential case
or issues you may be facing.
Although filing for bankruptcy is never an easy decision, you do not
need to make this decision alone. We understand the heavy burden of
debt, and the relief that comes with a debt-free future. Because your
needs are unique, before starting any legal action, we will take the
time to review your debts and assets and create a timely and effective
solution tailored to your particular situation. We will handle all the
details of your case, and answer any and all questions or concerns you
may have about the bankruptcy process.
A Chapter 7 bankruptcy can result in your debt being immediately
negated with no need to ever pay it off. In other words, you will get a
fresh start. While a Chapter 7 will eliminate most of your debt, there
are certain types of debt which cannot be eliminated by filing
bankruptcy. We will discuss these details further during your initial
Some people are afraid that a bankruptcy will ruin their credit
history. While it is true that filing a bankruptcy will typically have a
negative impact your credit rating, for many people, declaring
bankruptcy can actually raise the credit rating because the negative
value of a bankruptcy is less than that of the high debt. In addition,
there are many creditors that specifically offer credit to individuals
who recently filed for bankruptcy, since recent filers have a "clean
slate" and are therefore better able to pay future debts.
Bankruptcy may or may not be the best option for you. If you are being
harassed by creditors, threatened with foreclosure, or just need help
with your financial situation, please call The Chivis Law Firm. We can
help you navigate through your options and create a timely and effective
solution tailored to your particular situation.
do NOT contact me with unsolicited services or offers