Galveston County Chapter 7 Bankruptcy Lawyer

Regain Control of Your Finances in Friendswood, Houston & Pearland

It can take just one medical emergency or other unforeseen catastrophe or financial misstep to derail your financial life. The resulting debt can become overwhelming, and the cycle of payments and interest fees can be hard to break. Though filing for bankruptcy may not be your first choice, it may be the best choice. Chapter 7 bankruptcy was designed to help people continue living productive lives without the threat of debt collectors or repossession. At John E. Smith & Associates, our Galveston County bankruptcy attorney has over 35 years of experience helping clients handle their financial situation and file for Chapter 7, Chapter 11, Chapter 12, and Chapter 13 bankruptcy.

Defining Chapter 7

In a Chapter 7 bankruptcy, a filer’s unsecured debts are generally discharged, with a few exceptions, and qualified personal property is sold to cover some of the debts owed.

In a successful Chapter 7, unsecured debts may be discharged. These include:

• Medical bills
• Credit card debt
• Late rent payments
• Personal loans
• Utility bills

This chapter of bankruptcy works best for individuals whose current income will not make a reasonable impact on paying down their debts while still being able to maintain basic living costs. A means test can determine if you qualify.

The Experience & Knowledge to Help You

At John E. Smith & Associates, Attorney John Smith is recognized as a Board Certified Specialist in Consumer Bankruptcy Law by Texas Board of Legal Specialization. He has the proven knowledge and over 35 years of professional experience in this often complicated field of law. Our firm works tirelessly to ensure that our clients have the opportunity to get out from under their debt to get a fresh start. With something as important as bankruptcy, a strong advocate is invaluable. Our experience in this area means that we can help you to achieve financial freedom.