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The Process of Filing Chapter 7 Bankruptcy in Texas

Responsive Chapter 7 attorneys in Houston who put your needs first

Once you make the important decision to file for Chapter 7 bankruptcy, the attorneys at the Law Office of David A. Fernandez, P.C. can help you through the process. After we analyze the amount and types of debt you have, we can begin to file the necessary forms and paperwork. We handle the intricacies of filing for you, so you can concentrate on taking back control over your life.

The steps for filing Chapter 7 in Texas

A debt assessment is the first step in filing for Chapter 7 in Texas. In order to qualify for bankruptcy, you must pass the means test. The means test determines your eligibility based on:

  • Your current monthly income
  • Your estimated disposable income
  • Factors such as child or spousal support
  • The amount of money you owe
  • The types of creditors you owe

If you pass the means test, an accomplished Chapter 7 bankruptcy attorney begins filling out the forms and documentation necessary to file in court. At the Law Office of David A. Fernandez, P.C., we explain the purpose of every form to ensure that you understand exactly what is happening each step of the way.

Our law firm improves your experience

While bankruptcy proceedings may only require one physical courtroom appearance, the preparation for that appearance can be overwhelming. At the Law Office of David A. Fernandez, P.C., our Chapter 7 attorneys in Houston guide you through the process step by step. Our services may include:

  • Consultations. We take special care to ensure that our clients clearly understand the process. We may schedule appointments with you to examine the required paperwork.  We answer your questions promptly and eliminate your immediate concerns.
  • Filing documentation. The courts are specific about what paperwork must be filed and which order it must be filed in. We ensure that your case isn’t delayed because of improper filing.
  • Exemption discussions. Because states vary from one another — and from the federal government — in their available exemptions, we take the time to guide you through your options.  We make recommendations based on your personal circumstances regarding the federal and Texas Chapter 7 exemptions.

Throughout the process we strive to make you feel comfortable and secure. At the Law Office of David A. Fernandez, P.C., we believe that there is a solution to every problem, and together, we’ll find the solution that works best for you.

Call us before filing Chapter 7 bankruptcy in Houston

Filing for Chapter 7 bankruptcy can be complex, depending on your particular circumstances. We endeavor to make the process as efficient and painless as we can. To speak with a knowledgeable bankruptcy attorney, contact the Law Office of David A. Fernandez, P.C. by phone at (713) 893-8509 or online and schedule your free initial consultation.