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.

Katy Chapter 7 Bankruptcy Lawyer · Chapter 13 Bankruptcy Attorney 

For many individuals, filing a Chapter 7 or Chapter 13 bankruptcy can provide the debt relief needed and enable them to get a fresh start financially.  Since establishing our legal practice, Alva Wesley-Thomas & Associates P.C. has helped many clients who were drowning in debt and/or about to lose their home.  As a top-rated Katy bankruptcy law firm, we can:

• delay or stop property repossessions
• eliminate a percentage of your unsecured debts (if not all of it)
• halt foreclosure proceedings
• put an end to harassing letters and phone calls from creditors
• restructure your debts into more manageable payments

If you’re experiencing creditor harassment, overwhelming debt, property repossessions, or being threatened with a lawsuit, our debt relief lawyer team in Katy can help you.  We understand that there are certain circumstances in life that are out of our control.  If you’re struggling financially because of a divorce, identity theft, losing your job, or have too many medical bills, Alva Wesley-Thomas & Associates P.C. can help.

Sometimes, Bankruptcy is the Only Option

Any reputable Katy bankruptcy lawyer or foreclosure defense lawyer in Katy will ask if you’ve explored other options before filing.  Some may even recommend alternatives to bankruptcy. Each case is unique and so are the requirements of each client. We offer personalized solutions as per your needs. In many cases, the only option for a client to get financial relief is to file a Chapter 7 or Chapter 13 bankruptcy and start over.  Whether or not this is in your best interest depends on your specific circumstances and several other factors.

Keep in mind that bankruptcy will affect your credit score for several years.  However, it won’t stop you from rebuilding your credit over time.  While many creditors may be willing to work with you to resolve matters, others won’t be so accommodating and will threaten you with collection efforts and even legal action.  The best thing you can do is get legal advice from a lawyer at Alva Wesley-Thomas & Associates P.C..

Should You File Chapter 7 or Chapter 13?

The decision to work with a Chapter 7 bankruptcy lawyer in Katy or Chapter 13 bankruptcy lawyer in Katy will be determined as follows:

Chapter 7 bankruptcy is best suited for an individual who is able to use exemptions to protect all of their property, whose debts can be discharged by filing bankruptcy, and whose income meets low income eligibility requirements.  Conversely, a Chapter 13 will be best suited for an individual:

• that doesn’t want to lose their home to foreclosure or their vehicle from repossession
• that wants to repay non-dischargeable debt in 3 to 5 years?
• Whose income disqualifies them from filing Chapter 7 bankruptcy

We know how difficult the situation is with you and that is why we want to help you get the best deal even under such tough conditions. Thus, when considering whether a Chapter 7 or Chapter 13 bankruptcy is right for you, your Alva Wesley-Thomas & Associates P.C. legal team will help you evaluate:

• the kinds of debts you currently owe
• your expenses and income
• whether you’re going to lose your property
• what you want to achieve by filing bankruptcy

With years in the industry, we have helped innumerable individuals deal with tough financial situations and have assisted them in tiding over successfully. To learn more about how you can get a fresh financial start by filing bankruptcy, call 713-278-0800 today for a FREE Consultation.

We service the following zip codes in Katy, TX and all surrounding areas: 77449, 77450, 77491, 77492, 77493.