Bankruptcy Protection Lawyer in San Antonio, TX

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Bankruptcy Attorney in Katy, TX

Bankruptcy Protection Lawyer in San Antonio, TX

If you’re drowning in debt, you probably wish you could turn back time. Then, you could avoid taking on too much debt. Going back in time might not be an option, but you can wipe the slate clean with bankruptcy protection. Learn more and then discuss your situation with a bankruptcy protection lawyer in San Antonio, TX.

Gather These Documents Before Filing for Bankruptcy in San Antonio, TX

Before your San Antonio, TX, bankruptcy protection attorney can file on your behalf, he or she must review your financial documents. Bring the following documents with you to your consultation:

The Means Test for Chapter 7 Bankruptcy in San Antonio, TX

There are two ways to qualify for chapter 7. First, you will be eligible if your income sits below the state’s median income for identically-sized households. Second, you can qualify if you pass the means test. This test is used to calculate your income and expenses to see how much disposable income you have each month. Your San Antonio, TX, bankruptcy lawyer can help you determine if you meet the requirements to file for chapter 7 bankruptcy.

Will Bankruptcy Destroy Your Credit?

Your credit score will go down after you file for bankruptcy. The filing will remain on your credit report for up to a decade and will continue to impact your score.However, you begin rebuilding your credit right after filing for bankruptcy. Many people are even eligible for credit before the bankruptcy is discharged. If you want to accelerate the process, sign up for the free 7 Steps to a 720 Credit Score Program at the Ciment Law Firm.

Contact Our Bankruptcy Protection Lawyer in San Antonio, TX

You don’t have to navigate the process on your own. A San Antonio bankruptcy protection lawyer from the Ciment Law Firm is here to help. Call the Ciment Law Firm at 866-284-9703 to go over your case.

Necesita Un Abogado De Deuda Y Bancarrota En Texas

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¿Por qué elegir a Ciment Law Firm?

why choose us
why choose us
why choose us
  • 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 transparentePaciente 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 ubicacionesPrograme 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.

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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.

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