Get Out of Debt and Gain Control Over You Finances
You may then ask yourself “Who is the top bankruptcy lawyer in Cypress, TX”? Once you have begun to think about filing for bankruptcy, you might know that you should have a lawyer to help you. There are many lawyers in the area and not all handle bankruptcy-related matters. Before you choose the first firm you come across, you should ensure they have experience in handling bankruptcy matters of all complexities.
Are you facing a surmounting amount of financial debt and are worried that you won’t ever get out of it? Perhaps you are being harassed by bill collectors and creditors who might be threatening you with a lawsuit? If so, bankruptcy may be a viable option.
What To Know About Filing Bankruptcy
If you’re asking, “who is the top bankruptcy lawyer in Cypress, TX?” you’re probably already aware that bankruptcy law provides for the reduction or elimination of certain debts and can provide a timeline for the repayment of nondischargeable debts over time.” Those who find themselves in insurmountable debt may look at this option. Debt can accumulate for a number of reasons, including an illness, a low-wage job, high cost of living in an area and more. No matter what caused you to go into debt, consider how a bankruptcy lawyer might be able to help your case.
What Is Bankruptcy?
Essentially, bankruptcy is a legal process that dissolves your unpayable debts or makes a consolidated payment plan for you to pay them off over time. The obvious advantage of declaring bankruptcy is the ability to manage a load of debts. There are disadvantages, though, including loss of property, inability to get a future loan and impacts on your credit score. It is a decision that must be weighed carefully, and a top bankruptcy lawyer in Cypress, TX can help you determine if it is the right move in your situation.
What Is Chapter 7 Bankruptcy?
There are multiple chapters of bankruptcy that a person can file, and the specific one will depend on the circumstances surrounding the filing. Chapter 7 bankruptcy is one of the most common ones to be filed. It is one of the shortest ways to get out of debt, but you risk losing property and other assets. This is also referred to as liquidation and involves dissolving your debts by proving that you do not have the means to pay them.
What Is Chapter 13 Bankruptcy?
Chapter 13 bankruptcy does not dissolve your debts as fast as Chapter 7, but there are some advantages of it. In this type of filing, you typically repay your debts over a span of three to five years. People who do not meet the insufficient means requirement of Chapter 7 may be required to file this type instead. It can have a lesser impact on your credit. However. It is still a red flag to potential creditors.
Filing for bankruptcy is a lofty decision that should be considered carefully. A top bankruptcy attorney in Cypress, TX can help you navigate the legal process of resolving your debt, and he or she can help you understand the advantages and disadvantages of this process. If you are considering this step to clear your financial obligations, set up a consultation with Winfrey Law firm today.
Who is the Top Bankruptcy Lawyer in Cypress, TX?
At Winfrey Law Firm, PLLC, we have been helping individuals and families, as well as businesses to find the best solution for their debt. Our solutions aim to be practical, strategic, and act as a means to an end of financial distress. As one of the top bankruptcy lawyers in Cypress, TX, we may be able to help you avoid the repossession of your car, the loss of your home, the garnishment of your wages, harassment from creditors, and a lawsuit. If you are wanting to know who is the top bankruptcy lawyer in Cypress, TX, you probably can benefit from exploring your options to file for Chapter 7 or Chapter 13 (and in some cases Ch. 11 or 12). To learn more now, call Winfrey Law Firm, PLLC.
You Don’t Have to Linger On in Debt
Being unable to cover the costs of your bills can be very upsetting. Without paying their monthly dues, the debt will accumulate. At some point, creditors will begin to call you. They want to be paid and don’t exactly care about what kind of situation that could put you in. You may be told various statements that could leave you in a state of worry. Eventually, you may avoid answering your phone or mail. Your emotional and mental well being could be significantly impacted. If your family sees you in this state of mind, they too could feel a sense of being unsure. Right now, if you are in a situation like this, and want to know who the top bankruptcy lawyer in Cypress, TX is, look no further than Winfrey Law Firm, PLLC.
Why Choose Winfrey Law Firm, PLLC?
You might know that you will benefit from hiring a lawyer for bankruptcy; however, you might also be wondering who is the top bankruptcy lawyer in Cypress, Texas? This is a valid question that is certainly worthy of asking. While there are many good lawyers, you, naturally, would want your bankruptcy lawyer to be great! That being said, around Cypress there are indeed many good lawyers, but when it comes to your question: “Who is the top bankruptcy lawyer in Cypress, TX?”, we, at Winfrey Law Firm, PLLC, would like to believe that we are one of them.
Why Choose Winfrey Law Firm, PLLC to Be Your Bankruptcy Lawyer?
We Have Experience – For years we have been assisting clients who are experiencing significant financial issues and are unable to overcome them. Regardless of what your own financial issue might be, we have very likely dealt with similar situations. By choosing an experienced bankruptcy lawyer, you can feel peace of mind in knowing your case is in good hands.
We Listen Carefully – Part of knowing who is the top bankruptcy lawyer in Cypress, TX, will include a firm’s ability to listen to your issues. Winfrey Law Firm, PLLC knows that it’s not easy to discuss sensitive matters, such as your finances. Once a person does call us, they usually have been struggling for quite some time. We know our clients want solutions that fit their needs. A cookie-cutter approach does not work and often makes clients feel like they don’t matter. Please know that as a top bankruptcy lawyer in Cypress, TX, we do listen to each and every client. Instead of taking on as many cases as possible, we take the time needed to listen and develop a strategy that works.
Our Solutions Are Tailored – Each person’s financial situation is inherently unique. Some people might benefit from Chapter 7 or Chapter 13; whereas, others may be suited to other defenses. Winfrey Law Firm, PLLC will explain your options so you can make an informed decision. Rest assured, we will ensure you know what to expect and no one will force you into a solution that you’re not ready for.
We Work You from Start to Finish – If you do choose to retain Winfrey Law Firm, PLLC you can feel reassured in knowing you will be guided through the entire process. Once we know what solution you are opting for, we will prepare all of the paperwork for you. Your case won’t be passed onto a paralegal; rather, you’ll work with your bankruptcy lawyer. All cases matter to us, and so we handle it with the right care and attention.
See How Filing For Bankruptcy Can Help You Move on from Debt
When you are under a great deal of stress from the amount of debt you are in, it is time to determine who the top bankruptcy lawyer in Cypress, Texas is to help you file for bankruptcy. You may be concerned that filing for bankruptcy is giving up and that it means you have no hope left to have a normal life without debt. That is not the case. When you work with a bankruptcy lawyer, they can help you navigate the bankruptcy process and show you how it can help get you back on your feet again.
Learn More About the Automatic Stay
One of the most stressful aspects of a being in debt is the number of calls you may be getting from debt collectors and agencies who are trying to collect money from you. In fact, these calls can quickly turn into harassment and you may not be sure how to stop them. Your attorney can get an automatic stay put in place when you file for bankruptcy. This means that the creditors who have collection activities against you must stop. If a creditor wants to sue you, they are unable to. If they want to garnish your wages, they are unable to. While there are some exceptions to the automatic stay, speak with your attorney about how this can help you.
It Can Help Remove Debt
A bankruptcy discharge means you are no longer obligated to pay certain debts. Some of the debts that bankruptcy can discharge are:
While bankruptcy can help you out with certain debts, there are other debts it cannot touch that you will still have to pay back. Some common types of debt that you will still need to pay are child support, alimony, and student loans, among others.
Reorganizing the Debt You Have
When you file for Chapter 13 bankruptcy, this can allow you to reorganize your debts so that you can begin making off payments on things like child support or alimony. When you reorganize your debt, it will usually last between 3 and 5 years. If you are reorganizing your debt and make the payments on time, you should not be worried about a lender foreclosing on your property.
Who is the Top Bankruptcy Lawyer in Cypress, TX?
Rather than asking yourself “who is the top bankruptcy lawyer in Cypress, Texas?”, begin taking the first steps towards speaking with one of them. Call Winfrey Law Firm, PLLC to learn more about our firm, lawyers, and bankruptcy/debt solution services.
Under Federal Laws, you have the right to take control of your debt. This may allow you to secure a better financial future for you and your loved ones. Every year, 800,000 men and women, as well as businesses will file for bankruptcy. These people are from all income levels and backgrounds. If you are facing too much debt, you can join the many thousands of people and get on the right track. In answer to your question “Who is the top bankruptcy lawyer in Cypress, TX?“, we would like to think that Winfrey Law Firm, PLLC is one of the firms that is considered to be at the top; to learn more about our process, fees, and experience, call Winfrey Law Firm, PLLC.