San Antonio Bankruptcy Lawyer
Bankruptcy is still an option for people who are experiencing financial problems. Even after the October 2005 changes in the bankruptcy law, individuals can still file for bankruptcy protection.
Bankruptcy Still Works
Our attorney at the San Antonio, Texas, Law Offices of Raymond J. Vale, Jr., helps people make informed decisions about bankruptcy. Our clients include people who have experienced divorce, job loss, illness and predatory lending practices. Whatever the reason for your financial difficulties, bankruptcy can still work for you.
Contact a San Antonio, Texas, bankruptcy attorney to discuss how Chapter 7 or Chapter 13 bankruptcy can work for you. Call us at 210-532-2206.
Chapter 7 Bankruptcy
A means test is required to file for Chapter 7 bankruptcy. Qualifying for Chapter 7 requires you to demonstrate that your income-to-debt ratio is under a specific threshold. If you qualify, Chapter 7 allows you to liquidate most assets, after which point your remaining debts are discharged and you can start fresh. Our law office can determine whether you are likely to qualify for this type of bankruptcy, advise you about the property that you will be able to keep and describe the process for you.
Chapter 13 Bankruptcy
In a Chapter 13 bankruptcy, your debts are not fully discharged. Rather, bankruptcy allows you to reorganize your debt so that you can make payments over a longer period, usually three or five years.
Benefits of Bankruptcy
Whether you file for Chapter 7 bankruptcy or Chapter 13 bankruptcy protection, some of the benefits are the same. Creditor harassment will cease after an automatic stay is issued. Bankruptcy allows someone with overwhelming financial problems to start again. Equally important, it gives you peace of mind that comes from knowing that you took the responsible and right path.
Named a Texas Rising Star for 2006 by Texas Monthly
Contact a New Braunfels, Texas, File Chapter 7 and 13 Bankruptcy Lawyer
Contact the law firm of Raymond J. Vale, Jr., in San Antonio, Texas, to learn if debt relief through bankruptcy is right for you.
Se habla Español
Most initial consultations are free
Credit cards and flexible payment options
Extended hours available
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.