Have you or your family suffered job loss, reduced income, medical catastrophe, divorce or death of a wage earner?. Are you at your wits' end as to how to handle your finances or other pressing legal problems?. If you answered "yes, " debt settlement or bankruptcy might be the answer for you and your family.
I'm Attorney Lucy Hebron and I have been helping individuals, families, and small businesses (corporations, LLC's, partnerships) in East Texas with their financial problems for over 20 years. I have represented hard-working people just like you: teachers, retirees, airline workers, truck drivers, homemakers, business owners, students, food service workers, hairdressers, nurses, farmers/ranchers, carpenters and others in East Texas.
I'm Attorney Lucy Hebron and I have been helping individuals, families, and small businesses (corporations, LLC's, partnerships) in East Texas with their financial problems for over 20 years. I have represented hard-working people just like you: teachers, retirees, airline workers, truck drivers, homemakers, business owners, students, food service workers, hairdressers, nurses, farmers/ranchers, carpenters and others in East Texas.
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Bankruptcy is a legal process by which you can deal with your debts when you can no longer pay them. If you are struggling to pay your bills or are experiencing some of the financial warning signs, you should consider bankruptcy as a possible option to your financial situation. The purpose of filing a bankruptcy case is to get a discharge of most, if not all, of your debts, so that you can wipe out those debts and you never have to repay them!
If you are struggling to pay your bills or are experiencing some of the financial warning signs, you should consider bankruptcy as a possible option to your financial situation. If you've been harassed by creditors calling you at home or work, or you've been sued by a creditor or credit card company, you should know about your options for how to deal with the situation.
If even one of the above applies to you or your family, you should take a closer look at your budget and either trim expenses or increase income. If more than one of the above applies to you or your family, it means you may need help preventing debt problems. Consider going to the "Consumer Credit Counseling Service" (CCCS) in your area.
You are not going to know what type of bankruptcy you should file. As your legal representative, it is our job to analyze your assets (all the property you own), your current and past income, your debts, and your monthly expenses. Depending on all these factors, we will recommend whether bankruptcy is an option and, if so, which bankruptcy chapter is right for you and your situation.
Bankruptcy allows you to have some breathing room and protection from creditors while you straighten out your financial house. It will stop the creditor calls, letters, demands for payment, and any lawsuits. If you've had a foreclosure in the past and defaulted on certain government loans, any tax refund you may be entitled to receive may be seized from now until the whole amount is paid unless you wipe out the debt in a bankruptcy.
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