Alva Wesley-Thomas & Associates, P.C., is a valuable resource for Texans looking for reliable information about debt relief. We offer dedicated legal counsel and representation when debt has become overwhelming. Bankruptcy can provide a much-needed financial “fresh start” in a time of debt crisis.

Cypress Chapter 7 Bankruptcy Lawyer · Chapter 13 Bankruptcy Attorney 

For many residents of Cypress, TX and its surrounding communities, filing Chapter 7 or Chapter 13 bankruptcy can provide the financial relief they need and enable them to get a fresh start financially.  However, whether this is in your best interests depends on a number of different factors as well as your current circumstances.  At Alva Wesley-Thomas & Associates P.C., you can consult with a debt relief lawyer in Cypress who can evaluate your situation and determine your best legal option.  The consultation is FREE so you have nothing to lose.

Stop Creditors From Harassing You

Constant threatening e-mails, letters, and phone calls from creditors can be emotionally overwhelming.  Fortunately, you don’t have to tolerate their abuse and can take action by talking to a Chapter 7 bankruptcy or Chapter 13 bankruptcy lawyer in Cypress today.  We can help you by putting an end to this harassment.  Bankruptcy is the legal remedy that protects a family’s or individual’s legal rights and allows them to eliminate their debt or pay it off with a Chapter 13 repayment plan.

Regardless of whether you file a Chapter 7 or 13 bankruptcy, creditors must stop their harassment techniques immediately.  Alva Wesley-Thomas & Associates P.C. has over 35 years of experience in the fields of bankruptcy and foreclosure laws and can assist with the following:

• WE can stop foreclosures
• WE can stop legal actions
• WE can stop repossessions
• WE can protect you and your family, your assets, and your property from creditors

How do we do all this? With expert legal representation.  Your home is most likely the biggest investment you’ve ever made in your lifetime and the right debt lawyer or foreclosure defense in Cypress can ensure that you don’t lose it.

Is Chapter 7 or Chapter 13 the Right Choice?

A Chapter 7 bankruptcy works best for families and individuals who can discharge their debt through bankruptcy, whose income meets eligibility requirements, and can take advantage of exemptions to protect their property.  Conversely, Chapter 13 works best for those individuals:

• who want to repay back child support, income tax debt, and other non-dischargeable debt?
• who would like to keep their home and vehicles?
• whose income disqualifies them from filing Chapter 7?

When you’re trying to determine if Chapter 7 or Chapter 13 is your best option, keep in mind that your decision depends on a number of different factors including:

• if you’re at risk of losing property
• the type of debts owing
• what you are hopeful of achieving by filing bankruptcy
• your monthly expenses and income

Before filing Chapter 7 or Chapter 13 bankruptcy in Cypress, you should be aware that certain types of debt, referred to as priority obligations, cannot be discharged. For instance, alimony and child support, newer tax debts, and some student loans are non-dischargeable.  We know that you maybe unaware of your rights and that is why having a good lawyer in your corner can be of assistance. We have years of experience in helping people get the legal assistance they need to overcome the debt related issues.

By talking with the right debt settlement attorney in Cypress, you’ll be able to determine the right course of action.

If you are looking for a Cypress Bankruptcy Attorney or a Foreclosure Lawyer, contact us today. For additional information or to schedule a FREE consultation, contact us today at 713-278-0800.

We service the following zip codes in Cypress, TX and all surrounding areas: 77410, 77429, 77433.