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Conroe & Surrounding Areas Chapter 7 Bankruptcy Attorney

Chapter 7 bankruptcy is often referred to as a "liquidation bankruptcy"+- or; "fresh start bankruptcy". An individual who qualifies to file Chapter 7 can discharge unsecured debt such as credit card, personal loans, payday loans, medical bills, repossession deficiencies, foreclosure deficiencies, and certain tax liabilities. A discharge is an order from the bankruptcy court that prevents creditors from later trying to pursue collection from these debts. The process takes at least 3 and half months to complete and normally only requires an individual to appear at court once or a Creditors Meeting. The Creditors Meeting is held by the Chapter 7 trustee and is an opportunity for creditors to appear and ask the Chapter 7 debtor questions regarding the documents filed in the bankruptcy proceeding. Prior to file a Chapter 7 an individual must complete a credit counseling course and prior to the discharge an individual must complete a financial management course.

What is Chapter 7 Bankruptcy?

1. Chapter 7 is designed for debtors in financial difficulty who do not have the ability to pay their existing debts. Debtors whose debts are primarily consumer debts are subject to a means test designed to determine whether the case should be permitted to proceed under chapter 7. If your income is greater than the median income for your state of residence and family size, in some cases, creditors have the right to file a motion requesting that the court dismiss your case under 707(b) of the Code. It is up to the court to decide whether the case should be dismissed.

2. Under chapter 7, you may claim certain of your property as exempt under governing law. A trustee may have the right to take possession of and sell the remaining property that is not exempt and use the sale proceeds to pay your creditors.

3. The purpose of filing a chapter 7 case is to obtain a discharge of your existing debts. If, however, you are found to have committed certain kinds of improper conduct described in the Bankruptcy Code, the court may deny your discharge and, if it does, the purpose for which you filed the bankruptcy petition will be defeated.

4. Even if you receive a general discharge, some particular debts are not discharged under the law. Therefore, you may still be responsible for most taxes and student loans; debts incurred to pay no dis chargeable taxes; domestic support and property settlement obligations; most fines, penalties, forfeitures, and criminal restitution obligations; certain debts which are not properly listed in your bankruptcy papers; and debts for death or personal injury caused by operating a motor vehicle, vessel, or aircraft while intoxicated from alcohol or drugs. Also, if a creditor can prove that a debt arose from fraud, breach of fiduciary duty, or theft, or from a willful and malicious injury, the bankruptcy court may determine that the debt is not discharged.

Am I Eligible for Chapter 7?

To be eligible for Chapter 7 an individual must pass a means test which looks at overall income for the past 6 months, compared to the medium level of income for a person in a similar family situation. If the person makes more than the median income he may still qualify for a Chapter 7 if there are special circumstances. To see if you are eligible please contact attorney Rick Deal.

How Much Does a Chapter 7 Bankruptcy Cost?

We are competitive with other attorneys but usually we are on the lower side of the competitive cost. We offer a fixed fee that includes everything from filing fees, attorney fees, to credit counseling requirements under the bankruptcy code. Individual fees are accessed at the time you meet with the attorney and you will be provided with a set amount that you will have to pay before filing. Payments are available, however the full fee must be paid prior to the bankruptcy being filed.

Contact an Experienced Bankruptcy Attorney

In a state like Texas, you have a number of Conroe attorneys who practice bankruptcy to choose from – that's why you need an attorney that stands out from the crowd. In Conroe we are one of a few who solely focuses on bankruptcy law. We are confident in our ability to help you. With a qualified, skilled and understanding attorney, you can rest assured that your case is in capable hands. Contact a Conroe bankruptcy attorney for a free consultation today.



To talk to an affordable & experienced Bankruptcy Lawyer, Call us now

Contact Us

Law Office of Rick J Deal
409 N Loop 336 W, Suite 4
Conroe, TX, 77301


Phone:(936) 499-5780