If you are struggling to pay your bills but aren’t making any headway paying down your debt, it may be time to consider bankruptcy. However, this is not a decision you should make without getting reliable advice from a reputable bankruptcy attorney who has your best interests in mind. It’s unfortunate, but there are far too many bankruptcy mills that will hastily file your paperwork but won’t take the time to examine your financials in detail. Then, when you get your discharge, you’re not much better off than you were before you filed. At Hayes, Berry, White & Vanzant, LLP, we provide personalized service and make recommendations based on your particular circumstances. If bankruptcy is appropriate, we provide detailed guidance on your rights at every stage of the process. Bankruptcy is intended to help honest debtors get a fresh start; our bankruptcy lawyers help ensure that you get the maximum benefit under the law.
Chapter 7 is known as liquidation bankruptcy, because the process requires you to surrender certain of your assets to partially satisfy your debt before the court discharges your eligible debt. For many debtors, Chapter 7 is the quickest and most efficient way to become debt-free. However, there are certain points of the law you must understand:
Many people who file bankruptcy hurry through the process without paying enough attention to the details. In doing so, they miss opportunities to hold onto assets and maximize their protection under the law. Sadly, this also occurs in business bankruptcy. However, our bankruptcy lawyers take the time necessary to get your filing right, because we are committed to making the law work for you.
When you visit us for your first bankruptcy appointment, it helps if you come prepared. Please gather the following documents and bring them to our office:
This information can give our attorneys a complete picture of your financial situation so we can advise you on the best course of action. If bankruptcy is appropriate for you, you can trust us to provide detailed assistance throughout every step of the process. In most cases, Chapter 7 bankruptcy lasts about three or four months. At that point, the court discharges your eligible debt and the relief you sought is yours.
Hayes, Berry, White & Vanzant, LLP represents North Texas clients in consumer bankruptcy filings. Call us at 940-230-2386 or contact us online to schedule a consultation. We have four North Texas offices, located in Denton, Flower Mound, Gainesville and Celina.
"Absolute best in the business hands down! Don White is absolutely amazing wouldn’t ever consider using anyone else, we highly recommend this firm!" - Alyssa McKissaack
"The best! Richard has been my family’s attorney for 35 years. Integrity best describes Richard Hayes." - John Grafa
"From my first meeting with Mr. Berry and his staff, I was immediately relieved. The bankruptcy process was explained to me simply and objectively and I was made to feel at ease through the entire ordeal. I was especially impressed by his helpful and knowledgeable assistant, Jackie Cox. I would hope to be able to retain Byron Berry for any future needs." - Anonymous
"Great Firm with Great Lawyers! It was a great pleasure working with William and his team." - Collin R. Geis