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.

Spring Chapter 7 Bankruptcy Lawyer · Chapter 13 Bankruptcy Attorney 

For families and individuals who are on the verge of bankruptcy or losing their homes to foreclosure, Alva Wesley-Thomas & Associates P.C. is here to provide legal strategies that will enable them to overcome their financial crises.  As your case litigator, we provide Chapter 7 bankruptcy or Chapter 13 bankruptcy strategies in Spring that are tailored to your individual needs.  Whether you’re drowning in credit card debt or facing foreclosure, we are one of the state’s top-rated Spring bankruptcy law firms and can help you get a fresh financial start.

Are You Considering Bankruptcy?

Nothing in life is more stressful than experiencing a financial crisis.  Whether it’s credit card debt, medical expenses, or other financial troubles, it can affect you emotionally, mentally, and physically.  From creditors disrupting your workday to sleepless nights, financial struggles can very disheartening.  Having a compassionate debt relief lawyer in Spring on your side can help with your financial struggles.  Alva Wesley-Thomas & Associates P.C. can help determine if bankruptcy is right for you.

Since bankruptcy can affect your credit score for many years, we will evaluate all of your legal options in order to determine if filing Chapter 7 or Chapter 13 is the better choice.  Furthermore, many creditors will be willing to work with you in order to settle your debts.  Consequently, you may not need to file bankruptcy if you can resolve these issues with your creditors.  However, it is always a good idea to seek sound legal advice in these types of situations.

Is Chapter 7 or Chapter 13 the Right Choice?

If the Spring bankruptcy attorney that evaluates your case determines that bankruptcy is the best course of action, we’ll need to determine whether you should file Chapter 7 bankruptcy or Chapter 13 bankruptcy documents in Spring.  You should consider filing Chapter 7 if:

• you can protect your property with exemptions
• your debt can be discharged through bankruptcy
• your income meets the qualification criteria

On the other hand, you should consider filing a Chapter 13 bankruptcy if:

• you want to keep your home and/or vehicles
• you want to pay off non-dischargeable debt over 3 to 5 years
• your annual income is too high to meet Chapter 7 qualification criteria

Keep in mind that the decision to file Chapter 7 or Chapter 13 is dependent on certain factors including the type of debt balances you have, what your goal with filing is, whether you could lose property, and your monthly expenses and income. We understand that you are not conversant with the intricacies of law and bankruptcy procedures and that is why it becomes imperative to consult with our law firm today. The faster we are able to access the details, we will be in a better position to assist you as time is crucial at this junction.

Are You Facing Foreclosure?

Hiring a foreclosure defense lawyer in Spring from Alva Wesley-Thomas & Associates P.C. is essential to saving your home.  You should consider hiring a Spring foreclosure lawyer if you want more information about Texas foreclosure laws and your rights.  This is especially true if you have a valid defense and don’t want to lose your home.  No two foreclosures are alike and neither are the defense strategies that can be employed to fight them.  To learn more about your rights or to speak with an experienced lawyer, contact Alva Wesley Thomas & Associates at 713-278-0800 for a FREE Consultation.

We service the following zip codes in Spring, TX and all surrounding areas: 77373, 77379, 77383, 77388, 77389, 77391.