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Bankruptcy Lawyers in Brazoria County, TX
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Bankruptcy Lawyers in Brazoria County, TX
Our Experienced Texas Attorneys Will Fight For You
Do You Need Legal Help?
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These guys are amazing. They made a most horrific experience bearable. They treated me with respect and no judgment. I cannot describe how grateful I am for their representation with my case. 5 stars is not enough. I hope I never need them again but would ABSOLUTELY use them again and definitely recommend them.
— Jennifer S.
Jonathan Zendeh Del and Associates worked tirelessly on my case. They kept me informed every step of the way. In the end the got my case dismissed and I am so grateful that we out our trust in his law firm. I can honestly say the rumors were true. He really is the best.
— Kristin F.
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Bankruptcy Lawyers in Brazoria County,TX
Bankruptcy is a legal process that helps individuals and businesses in financial distress by providing a way to eliminate or repay their debts. It is a difficult decision that many people and companies face when they are unable to manage their financial obligations. In Brazoria County, TX, like the rest of the United States, bankruptcy can serve as a lifeline for those who need a fresh start. It is important to understand the various types of bankruptcy available and how they can affect your future. This overview will help you navigate through this complex process and understand how it can offer relief.
How Bankruptcy Affects Individuals
For individuals struggling with overwhelming debt, bankruptcy may offer a path to financial recovery. The two most common types of bankruptcy for individuals are Chapter 7 and Chapter 13.
Chapter 7 bankruptcy, often referred to as liquidation bankruptcy, allows individuals to discharge most of their unsecured debts. These may include credit card debt, medical bills, and personal loans. Under Chapter 7, a court-appointed trustee may sell certain non-exempt assets to pay off creditors. However, many individuals are able to keep most or all of their property, depending on exemptions allowed under Texas law. Once the bankruptcy is complete, any remaining eligible debts are wiped out, providing a fresh financial start.
Chapter 13 bankruptcy, on the other hand, involves the creation of a repayment plan that spans three to five years. This type of bankruptcy is ideal for those who have a steady income but need help managing their debt. Chapter 13 allows individuals to reorganize their debt and make manageable monthly payments. Unlike Chapter 7, this process does not require the liquidation of assets, and the individual can keep their property while repaying a portion of the debt over time.
How Bankruptcy Affects Businesses
For businesses in Brazoria County, TX, bankruptcy can also provide relief. The two primary forms of business bankruptcy are Chapter 7 and Chapter 11. Chapter 7 bankruptcy for a business is similar to Chapter 7 for individuals in that it involves liquidating assets to pay off creditors. If a business cannot continue to operate and its debts are insurmountable, this type of bankruptcy may be the most appropriate option.
Chapter 11 bankruptcy, however, is often used by businesses that wish to continue operations while reorganizing their debts. In Chapter 11, the business works out a plan to repay creditors over time, often through renegotiating terms with vendors, restructuring loans, or reducing overall operating costs. This option allows businesses to remain open and potentially come back stronger once they have resolved their financial challenges.
The Long-Term Impact of Bankruptcy
While bankruptcy can provide a fresh start, it also has long-term consequences that individuals and businesses need to be aware of. For individuals, bankruptcy will remain on your credit report for several years. For Chapter 7, the bankruptcy will appear for up to 10 years, while Chapter 13 remains on your credit report for seven years. This can make it more difficult to secure loans, mortgages, or credit in the future, as your credit score may be significantly impacted.
For businesses, the long-term effects are similar. While Chapter 11 allows for a continuation of operations, it still leaves a record of the bankruptcy that can affect future financing opportunities and investor confidence. Additionally, businesses in Chapter 7 may struggle to re-enter the marketplace after liquidation due to the challenges posed by a bankruptcy filing on their record.
Why You Should Hire a Bankruptcy Lawyer in Brazoria County, TX
Navigating the bankruptcy process can be overwhelming, especially if you do not fully understand the legal requirements or the potential impact on your finances. That is why it is crucial to have a bankruptcy lawyer guide you through each step of the process. Bankruptcy laws are complicated, and having an attorney who understands the ins and outs of the system can help you avoid common pitfalls.
At Zendeh Del & Associates, PLLC, we offer in-depth knowledge of bankruptcy laws in Brazoria County, TX. Our team is dedicated to providing you with clear guidance and professional support to ensure that you make the best decisions for your financial future. Whether you are filing for Chapter 7 or Chapter 13, or need assistance with a business bankruptcy, our bankruptcy lawyers can help you understand your options and take the appropriate steps to achieve debt relief.
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Common Mistakes People Make When Facing Bankruptcy
When people face financial hardship and consider filing for bankruptcy, it can be an overwhelming and emotional time. It is important to understand that mistakes during this process can have lasting consequences. Many individuals in Brazoria County make missteps that complicate their financial recovery. Below are some of the most common mistakes people make when they are dealing with bankruptcy and how to avoid them.
Ignoring the Need For Professional Legal Help
One of the biggest mistakes individuals make is not seeking help from bankruptcy lawyers in Brazoria County, TX. Bankruptcy is a complex process, and making the wrong decisions can cost you more in the long run. Many people attempt to file on their own, but they may not understand the full impact of their actions. Consulting with a knowledgeable attorney helps ensure you understand your options and can make informed decisions. Call our firm today to schedule an appointment with a trusted bankruptcy lawyer to guide you through the process.
Failing to Gather All Necessary Financial Documents
Before filing for bankruptcy, it is crucial to have a complete list of your financial records. Some individuals make the mistake of not gathering all the required documents, such as tax returns, pay stubs, and a list of debts. Without this information, the bankruptcy process can be delayed, and it can lead to complications that could affect the outcome of your case. Bankruptcy lawyers in Brazoria County, TX, can help ensure that all necessary documents are properly prepared and submitted, avoiding any unnecessary delays or issues.
Transferring Assets Before Filing
Another common mistake people make is transferring assets or giving away property before filing for bankruptcy. They might do this in an attempt to protect their property from being taken by creditors. However, bankruptcy courts have strict rules about asset transfers, and any transfer made within a certain period before filing could be reversed. It is essential to discuss any plans to transfer property with your bankruptcy lawyer in Brazoria County, TX, to avoid this mistake. A legal professional can advise you on the best approach to protect your assets while following the law.
Racking Up More Debt Before Filing
In some cases, individuals take on more debt right before filing for bankruptcy, thinking that it will be discharged in the bankruptcy process. This is a mistake. Adding unnecessary debt can lead to complications and may even result in your bankruptcy filing being challenged. Bankruptcy lawyers in Brazoria County, TX, can provide clear guidance on what to do and what not to do when preparing for bankruptcy. It is important to stop accumulating debt once you decide to file and focus on managing your current financial situation.
Not Understanding The Type of Bankruptcy to File
Many people are unsure about which type of bankruptcy they should file for—Chapter 7, Chapter 13, or another option. Filing the wrong type of bankruptcy can result in delays, extra costs, or a complete denial of the filing. Each type of bankruptcy serves different purposes and has its requirements. A knowledgeable bankruptcy lawyer in Brazoria County, TX, can help you determine the best option based on your specific financial situation. It is crucial to understand which filing is best suited for you before moving forward.
Failing to Consider Non-Bankruptcy Alternatives
Sometimes, people jump into bankruptcy without fully exploring other options. There may be non-bankruptcy alternatives, such as negotiating with creditors or entering a debt management plan, that could resolve your financial issues. These alternatives may be less damaging to your credit and financial future. Speaking with bankruptcy lawyers in Brazoria County, TX, helps you understand all of your options and avoid the mistake of rushing into bankruptcy without exploring other possible solutions.
Frequently Asked Questions About Bankruptcy
At Zendeh Del & Associates, PLLC, we understand that filing for bankruptcy is a significant decision, and many individuals have important questions about the process. Our team of Bankruptcy Lawyers in Brazoria County, TX, is here to provide clear and reliable answers to help you make informed choices about your financial future. Below are some of the most commonly asked questions we receive from clients considering bankruptcy.
What is bankruptcy, and how does it work?
Bankruptcy is a legal process that helps individuals or businesses eliminate or reorganize their debts under the protection of the federal court. There are several types of bankruptcy, but the most common for individuals are Chapter 7 and Chapter 13. Chapter 7 allows for the discharge of most unsecured debts, such as credit card balances and medical bills, while Chapter 13 involves creating a repayment plan to settle debts over time. A Bankruptcy Lawyer in Brazoria County, TX, can guide you through the process to determine which option is best suited to your situation.
Will bankruptcy eliminate all of my debts?
Bankruptcy can eliminate many types of unsecured debts, including credit card debt, medical bills, and personal loans. However, there are some debts that bankruptcy typically does not discharge, such as child support, alimony, student loans (except in rare cases), and certain tax obligations. A Bankruptcy Lawyer in Brazoria County, TX, can help you understand which debts may or may not be eliminated in your case.
How long does bankruptcy take?
The length of the bankruptcy process can vary depending on the type of bankruptcy you file. Chapter 7 bankruptcy generally takes about three to six months to complete, while Chapter 13 can take three to five years because it involves a repayment plan. Factors such as the complexity of your case and the court’s schedule may affect the timeline. Your Bankruptcy Lawyer in Brazoria County, TX, can provide you with a more specific estimate based on your situation.
Will bankruptcy affect my credit?
Filing for bankruptcy can have an impact on your credit score, but it is not the end of your ability to rebuild your credit. Bankruptcy will remain on your credit report for several years (typically seven years for Chapter 7 and seven years for Chapter 13), but many individuals begin to see improvements in their credit scores once they begin managing their finances responsibly after bankruptcy. Working with a Bankruptcy Lawyer in Brazoria County, TX, can help you understand how to recover from bankruptcy and work toward rebuilding your credit.
Can I keep my property if I file for bankruptcy?
In a Chapter 7 bankruptcy, certain assets may be liquidated to pay off your debts, but many individuals are able to keep their property due to exemptions available under Texas law. In Chapter 13 bankruptcy, you can usually keep your property as long as you stick to your repayment plan. Your Bankruptcy Lawyer in Brazoria County, TX, will help you understand what property may be at risk and help you develop a strategy to protect your assets.
Do I qualify for bankruptcy?
The eligibility for bankruptcy depends on various factors, including the type of bankruptcy you are considering. For Chapter 7, there are income limits based on your household size, which are determined through a means test. In Chapter 13, you must have a regular income to be able to make payments under the repayment plan. A Bankruptcy Lawyer in Brazoria County, TX, can review your financial situation and determine whether you meet the qualifications for bankruptcy.
How much does it cost to file for bankruptcy?
The cost of filing for bankruptcy includes court filing fees and the attorney’s fees. While filing for bankruptcy can require an upfront financial investment, it can also offer long-term relief from overwhelming debt. At Zendeh Del & Associates, PLLC, we work with clients to ensure they understand the costs involved and can help make bankruptcy affordable. Your Bankruptcy Lawyer in Brazoria County, TX, will be transparent about the costs and any potential payment plans.
Can I file for bankruptcy more than once?
In some cases, it may be possible to have a conviction for evading arrest expunged from your record, but this is subject to certain conditions. Expungement is generally only available if you were acquitted, the charges were dismissed, or you successfully completed a deferred adjudication program. If you are convicted, you may be able to seek an order of non-disclosure to limit public access to your criminal record, but this is not the same as expungement.
Will bankruptcy stop creditor harassment?
Yes, once you file for bankruptcy, an automatic stay goes into effect, which halts most collection efforts, including creditor calls, lawsuits, and wage garnishments. This can provide immediate relief from the pressure of dealing with overwhelming debt. Your Bankruptcy Lawyer in Brazoria County, TX, can help ensure that your rights are protected and that creditors comply with the court’s order.
Bankruptcy Lawyers in Brazoria County, TX Client Story
This client story is for educational purposes only.
Emily had always worked hard to support her family. She managed her bills the best she could, but life had a way of throwing curveballs. Medical bills, car repairs, and unexpected home costs kept piling up. Before she knew it, Emily’s debt had become too much to handle. She felt trapped, overwhelmed, and unsure where to turn. The constant stress kept her up at night, and she could hardly focus during the day. She was scared her situation would never get better.
One day, a friend told Emily about Gabe Perez, a lawyer with Zendeh Del & Associates, PLLC, who had helped many people just like her. Emily wasn’t sure what a bankruptcy lawyer did, but she knew she needed help. So, she picked up the phone and called Gabe.
From the moment they spoke, Emily felt a sense of relief. Gabe took the time to listen to her story. He wasn’t in a hurry, and he didn’t judge her. He understood how hard it had been for Emily to reach out for help, and he promised to guide her through the process of filing for bankruptcy.
Gabe explained everything clearly. He told Emily how bankruptcy could offer her a chance to get rid of her debt and start over. He made sure she understood her options, and he answered every question she had with patience and care. Emily had been nervous at first, but Gabe’s confidence and kindness made her feel hopeful.
Over the next few weeks, Gabe worked hard on Emily’s case. He filled out the paperwork, worked with the courts, and made sure everything was done correctly. With Gabe by her side, Emily didn’t feel alone anymore. For the first time in a long while, she saw a light at the end of the tunnel.
When the day finally came to hear the results, Emily was anxious but also excited. Gabe called her with the good news: her bankruptcy was approved, and she would no longer be weighed down by the debt that had caused her so much stress. Emily couldn’t believe it. The relief she felt was overwhelming. She finally had the chance to rebuild her life.
Thanks to Gabe Perez and Zendeh Del & Associates, PLLC, Emily was able to breathe again. She could focus on her family and her future instead of worrying about bills. With her fresh start, Emily knew she could face whatever came next.
If you’re feeling the weight of debt and don’t know where to turn, you don’t have to face it alone. Bankruptcy lawyers in Brazoria County, TX, like Gabe Perez, are here to help. They understand the stress you’re going through and will guide you to the fresh start you deserve.
Take Control of Your Financial Future
Facing financial challenges can be overwhelming, but it is important to remember that you do not have to go through it alone. If you are struggling with debt and need guidance, Zendeh Del & Associates, PLLC is here to help. Our team of skilled Bankruptcy Lawyers in Brazoria County, TX understand the complexities of bankruptcy law and can help you navigate the process to find the best solution for your unique situation.
Schedule an Appointment Today
When you are ready to take the next step toward regaining your financial stability, we encourage you to reach out to our office. We will work closely with you to understand your financial situation and explain the options available to you. Whether you are considering Chapter 7 or Chapter 13 bankruptcy, we can provide the support you need to make informed decisions. Call us today to schedule an appointment and begin the journey toward a fresh start.
At Zendeh Del & Associates, PLLC, we are committed to helping you achieve a brighter financial future. Do not hesitate to contact us for the guidance you need.
Client Reviews
Jonathan and Natalie have so much expertise in handling evidence, reports, and documentation and my case proved it. They made sure every detail was correct down to the most minuscule piece, and because of that we we’re able to get the case dismissed due to some inaccuracies. Extremely grateful for them!