Bankruptcy Attorney Assists Texas and New Mexico Residents
Proven El Paso firm works to relieve individual and business debt burdens
Even if you are careful with your budget, an unexpected job loss, medical condition or divorce can trigger debt that can’t be resolved no matter how hard you work. Fortunately, help exists for debtors who need to reset their financial situation and escape creditor harassment. My El Paso firm, The Law Offices of Cheryl S. Davis, P.C., gives individuals and businesses the chance to take advantage of the debt-relief options that exist under the law. As an attorney with more than 20 years of experience guiding Texas and New Mexico clients through bankruptcy, I may be able to help you navigate the process to obtain immediate relief from creditors while you start on the path to long-term stability.
Knowledgeable advocate protects the rights of people with money problems
Once you file for bankruptcy, creditors and the collectors they employ can no longer contact you. Resolving your debts under the authority of the bankruptcy courts stops the cycle of interest and penalties while assuring that your voice is heard. My firm assists clients in these areas:
- Chapter 7 bankruptcy — This powerful tool gives debtors the ability to discharge debts that aren’t specifically exempted (such as taxes, child support payments and student loan obligations). However, certain income requirements must be met to file under Chapter 7. If you qualify, I’ll explain the process and help you make a new financial start.
- Chapter 13 bankruptcy — Sometimes, even with a steady paycheck, your income doesn’t meet your current debt obligations. Dealing with persistent creditors only makes things worse. My firm works with clients filing for Chapter 13 bankruptcy to craft a repayment plan they can live with while they pay down what they owe.
- Debt analysis — The law pertaining to bankruptcy can be complicated, so you don’t want to enter the process only to realize that bankruptcy’s protections don’t extend to your major debt. From the start, I provide a thorough analysis of your debt so you understand your options and can make informed choices.
- Debt relief negotiation — Whether the bankruptcy process is your best option or you require skillful negotiation outside the court system, I will advocate on your behalf with creditors to find payment arrangements that offer debt relief.
Before you file for bankruptcy, it’s best to understand whether it can help you and how the various options will affect your situation. I will thoroughly evaluate your financial situation so you can take positive steps toward a life free from overwhelming debt.
Contact a skillful Texas and New Mexico bankruptcy lawyer for a consultation.
The Law Offices of Cheryl S. Davis, P.C. advises clients in Texas and New Mexico on a full range of bankruptcy matters. Please call 915-320-6226 or contact me online to schedule an appointment. My office is in El Paso.