A Chapter 7 Bankruptcy is designed for debtors in financial difficulty who do not have the ability to pay their existing debts, and does not involve any court protected repayment plan and will legally eliminate your unsecured dischargeable debt such as credit cards, medical bills, most judgments and garnishments, repossession debt, eviction or broken lease debt, some taxes, and past due utilities. The debt is eliminated through a legal discharge. A Chapter 7 discharge is not an absolute right, but most individuals experiencing financial difficulty will qualify.

In Chapter 7 you will be required to continue making payments on your secured debt that you need to keep, such as house and /or car payments. Your agreement to continue making these payments is called a reaffirmation agreement. In Chapter 7, you do not have a right to modify your car payments. (Chapter 13 does allow for modification of car payments in most instances. For those with high car payments a Chapter 13 may be more helpful.)

The Law Office of Andrew Oostdyk, PLLC can provide you with all the information you need regarding Chapter 7 Bankruptcy. We understand the Bankruptcy Code and the federal and state exemptions available to you. We can help you utilze the Chapter 7 bankruptcy laws to gain a fresh start, and move forward with your life.

Call us today at
214-693-2667 to schedule your Free Initial Consultation.

To determine whether you qualify for a Chapter 7 bankruptcy and whether Chapter 7 bankruptcy can remedy your situation, you should consult with an experienced Texas bankruptcy attorney. Some situations may be time-sensitive, so don’t delay — get the facts today.

We Provide Compassionate, Courteous Service

We understand things happen. We never judge our clients, and we are always courteous and respectful. You can be assured that we will do everything we can to help you relieve the anxiety and stress you are under. We will take the time to listen to your situation and explain your options, which may or may not include bankruptcy. If bankruptcy is a viable option, we will inform you about and guide you through the process.

You Will Receive Prompt Communication and Personal Attention

We have earned our reputation for providing every client with close, personal attention. Nothing is more frustrating than being unable to have questions answered or problems addressed by your attorney’s office in a timely fashion.
We will return your phone calls as quickly as possible and make it a priority to address your concerns in a timely manner. Unlike many bankruptcy law firms, you will meet with an attorney on your very first visit. We are committed to helping you.

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