Bankruptcy Protection Lawyer in El Paso, TX
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Bankruptcy Protection Lawyer in El Paso, TX
Are you worried about how you’re going to repay your debt? Do you stay up at night wondering if debt collectors are going to file a lawsuit against you? The stress can be too much to bear, but you do have options. Find out about filing for chapter 7 or chapter 13 bankruptcy protection in El Paso, TX. Then, you can consult with a lawyer to begin the process.
Documents to Bring for Your Bankruptcy Consultation in El Paso, TX
If you want to file for bankruptcy, you must gather some documents. Your El Paso, TX, bankruptcy protection lawyer will need to review:
Income Requirements for Chapter 7 Bankruptcy in El Paso, TX
Chapter 7 bankruptcy allows you to discharge your debts within three to five months. You must pass the means test to qualify for chapter 7. The means test determines if your debts and expenses are too large for you to repay every month. Your El Paso, TX, bankruptcy protection lawyer will evaluate your financial situation and apply the means test to see if you qualify. If you do, your attorney will help you move forward with chapter 7.
Credit and Bankruptcy in El Paso, TX
Filing for bankruptcy will have an immediate effect on your credit score. It will lower your score drastically and will remain on your credit report for up to 10 years. However, there is a myth that you can’t improve your credit score as long as the bankruptcy is on your report. By making smart financial decisions, you can begin to see improvement immediately. You can then continue to improve your credit score, so you’ll be on sound financial footing when it’s removed from your report.
Contact Our Bankruptcy Protection Lawyer in El Paso, TX
Necesita Un Abogado De Deuda Y Bancarrota En Texas
Háganos una pregunta,
cuéntenos su situación,
o programe una llamada con nosotros
¿Por qué elegir a Ciment Law Firm?
- Consulta gratuita – Averigüe qué opción de solución de deuda es la mejor para usted en una consulta gratuita.
- Reseñas positivas – Nuestro bufete tiene numerosas reseñas positivas en Google, Avvo y en otras páginas.
- Opciones para todas sus necesidades – Desde protección contra bancarrota hasta liberación de gravamen por fallo y asistencia en préstamos estudiantiles, nuestro bufete ofrece amplias opciones para resolver sus deudas.
- Experiencia en ambos lados del campo – Daniel Ciment comenzó su carrera en un bufete de abogados de cobranza de deudas y ahora protege a los deudores. Su experiencia en ambos lados del campo le permite encontrar soluciones para los clientes.
- Compasivo y transparente – Paciente y conocedor, el equipo está disponible para responder a cualquier pregunta y explicar cada parte del proceso, para que así los clientes puedan alcanzar el resultado que desean.
- Seis oficinas en diferentes ubicaciones – Programe su cita en una oficina en Katy.
Clientes reales, testimonios reales
Cloud Title On Homestead
You must have a clear title when refinancing or selling a home, which is why an abstract of judgment is problematic. The judgment lien creates a title defect or a cloud on the title. This means that there is an unresolved issue that must be addressed before making any real estate transactions. Title companies enforce the lien as a way to protect themselves in case the home isn’t eligible for homestead exemption because it’s not your primary residence. If a title company allows the transaction to proceed and the property isn’t your homestead, it has to pay the judgment. Fortunately, a Texas judgment lien release lawyer can remedy this issue.
Programar una revisión del caso
Getting A Full Release
In some instances, you have to get a full judgment lien release. This completely releases the judgment, so it isn’t attached to you or your property. There are normally two options for obtaining a full release. First, you can pay the judgment in full. If you don’t have the means to do that, your Texas judgment lien release attorney might be able to negotiate a settlement. If the creditor accepts the settlement, you will receive a full release once it’s paid. Without taking action, the judgment will remain valid for 10 years. It’s important to contact a judgment lien release attorney to go over your options if you need a full release.
Proof Of Homestead
Judgment creditors often require proof of homestead before signing a partial lien release. Your Texas judgment lien release attorney will help you provide the necessary documents. You might need to submit an affidavit that states that the property is your homestead. The creditor also might require a tax certificate that proves you’ve filed for homestead exemption. In addition, the creditor might ask for affidavits from others that state that the property is your homestead, and you live there. In some cases, the creditor can even require the escrow agent to examine the property to ensure it’s your homestead. Due to the complexity of proving homestead, it’s a good idea to get help from a Texas judgment lien release attorney.