How to Prepare For Bankruptcy And Life after Bankruptcy
Filing for consumer bankruptcy is not a sign of failure or cause for shame. Many hardworking people today fall behind due to unexpected medical expenses or increasing credit card debt. Filing for Chapter 7 or Chapter 13 debt consolidation may be just what your family needs to start over.
Attorney James O. Cure has more than 40 years of experience helping families and individuals work through bankruptcy to build a successful new life — one where creditors are not hounding you day and night, and you’re not afraid to answer the phone.
Contact attorney James O. Cure today for a confidential consultation at Cure & Francis.
During the initial free consultation, we will discuss personal bankruptcy, life after, and the best course of action for your specific circumstances.
The paperwork required for personal bankruptcy filing is fairly straightforward, and includes the following:
- How much you owe in credit card debt, loans and medical bills
- Amount of your monthly mortgage payments and property taxes
- Value of your home, car or other assets
- Monthly income plus expenses
It’s important to work with a skilled bankruptcy lawyer to make sure your rights are protected. You could underestimate your living expenses now and suffer for it later. Before you file for personal bankruptcy in Texas, call attorney James O. Cure today to help preserve assets and reduce costly errors.
If you decide to file for bankruptcy, you will be required by federal law to take part in some credit counseling. Before you file, you will have to go to a credit briefing with an independent counseling agency. After you file, you will have to attend a debtor education session approved by a U.S. trustee. We will set up counseling for you.
Peace Of Mind
Attorney James O. Cure can help you decide if debt reorganization or asset liquidation is right for you. After bankruptcy is filed, and the stay is issued, you can start getting your life back on track.
If you file for Chapter 13 bankruptcy and meet the court-ordered monthly payments, you will begin rebuilding your credit almost immediately.
Many clients successfully qualify for credit after bankruptcy, although the annual percentage rate may be higher than before, and they may need to pay an annual fee for a credit card.
Contact Us For A Free Consultation
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.