Texans Overwhelmed by Debt
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Over 35 years of Debt Relief Experience
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One of the first steps in determining whether bankruptcy is right for you is to discuss your situation frankly and openly with a caring, compassionate and knowledgeable lawyer. For three decades, Alva Wesley-Thomas & Associates PC has provided a listening ear along with customized education for consumers that allows potential clients to make this important decision fully informed.
If you qualify for a Chapter 7 bankruptcy, it may well be in your best interests to prepare to file this type of case. Chapter 7 bankruptcy can wipe out most or all of your consumer debt, including credit cards, installment loans and medical debts. Discuss with a knowledgeable attorney whether Chapter 7 bankruptcy is a good option for you and how to prepare to file. A Chapter 7 bankruptcy takes a few months to complete, in most cases.
If you have a steady income, have substantial home equity or have back child support payments or income tax payments to get caught up on, these may be good indicators that Chapter 13 bankruptcy, rather than Chapter 7, will be the most appropriate form of debt relief for you. In most cases, you will still be freed of large amounts of consumer debts. A Chapter 13 bankruptcy takes three to five years to complete.
Devastating effects occur from catastrophic personal injuries. No fee unless we recover you money.
Phone calls, threatening letters and e-mails from creditors can be overwhelming.
Houston attorneys assisting & protecting Texas homeowners in stopping foreclosures.
Did you know filing bankruptcy can actually be a way to improve your credit?
35+
YEARS EXPERIENCE
About Us
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.
Pasadena Chapter 7 Bankruptcy Lawyer · Chapter 13 Bankruptcy Attorney
Pasadena Bankruptcy Attorney
When it comes to caring, compassionate, and competent legal representation for those individuals who are overwhelmed with debt, Alva Wesley-Thomas & Associates P.C. is one of the most successful Pasadena bankruptcy law firms in southeast Texas. Our firm has years of experience in bankruptcy and foreclosure law and have helped many clients who are struggling financially. When financial hardship has you wondering about your legal options, call our firm and speak with a debt relief lawyer in Pasadena and their legal team today.
Bankruptcy vs. Foreclosure Defense
Once we have thoroughly evaluated your situation, we’ll be able to determine if the best course of action is to provide you with a Pasadena bankruptcy lawyer or one of our foreclosure lawyer in Pasadena for legal representation. In either case, it can play a significant role in your financial situation. Here are the advantages of bankruptcy versus foreclosure:
| Bankruptcy can: | Foreclosure can: |
| eliminate outstanding debt | eliminate a bad investment |
| end creditors’ delinquency reports | modify your loan terms |
| help you rebuild your credit | protect you against future liabilities |
| protect your assets (including your home) | protect your credit rating |
| remove additional mortgages stall | save you hours of paperwork |
| stall foreclosure sales | stop collector harassment |
In some cases, a foreclosure defense lawyer in Pasadena can use a bankruptcy to help you stay in your home. However, both legal strategies can help homeowners avoid losing their property while formulating a long-term financial plan at the same time. No matter what, team at Alva Wesley-Thomas & Associates P.C. will help you decide on the right strategy, develop a financial plan, and take legal action.
Chapter 7 vs. Chapter 13
Upon further evaluation of your circumstances, we’ll be able to determine, if you best option is filing a Chapter 7 bankruptcy or a Chapter 13 bankruptcy in Pasadena. It is best to sit and discuss your custom requirements before we offer consultation pertaining to your debt requirements. Consider what each type will help you accomplish:
Chapter 7:
- eliminates debts that you can’t afford to pay
- enables you to keep all assets covered under Texas’ homestead exemption law
- let’s you keep your home and vehicle provided you are current or able to get current on your monthly payments
- provides an efficient and relatively quick outcome
- removes finance company liens on household assets and lawsuit judgments
- wipes out your debts in about 90 days
Chapter 13:
- eliminates some debts; helps you pay off others with an affordable repayment plan
- enables you to keep your assets
- let’s you keep your home and vehicle even when you’re not up-to-date on your monthly payments
- may eliminate or remove judgments and liens (based on your plan’s details)
- provides a discharge of debts after completing a 3 to 5-year repayment plan
- puts a quicker stop to foreclosures, garnishments, and lawsuits
We understand how struggling with debt can be emotionally stressful. Over the years, we have helped plenty of individuals tide over the issues of debt and other related legalities. They have been able to re-build their life step by step and can help you get back on your feet.
That’s where a Pasadena bankruptcy attorney can help. With over 35 years of experience in bankruptcy and foreclosure law, our law firm is here to provide the debt relief you deserve. To learn more, call Alva Wesley-Thomas & Associates P.C. today at 713-278-0800 and schedule a FREE consultation with a debt relief lawyer in Pasadena today.
We service the following zip codes in Pasadena, TX and all surrounding areas: 77501, 77502, 77503, 77504, 77505, 77506, 77507, 77508.
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A caring, compassionate Pasadena bankruptcy lawyer with over 35 years of experience, attorney Alva Wesley-Thomas is here to help you find the way to debt relief.