Amarillo Chapter 7 Bankruptcy Lawyer

Chapter 7 bankruptcy is the most common form of bankruptcy in Amarillo, and offers a way out of debt for individuals and families who cannot make ends meet. In Chapter 7 bankruptcy, Amarillo Attorney David Enos files a petition for bankruptcy in the Amarillo Bankruptcy Court on behalf of the debtors and federal law takes effect immediately that prevents creditors and their attorneys from taking any action to collect on your debts. The petition is then administered by an Amarillo bankruptcy trustee who oversees the day to day aspect of your case. For debtors in Amarillo unsecured debt such as credit card bills, medical bills, loans, certain lawsuit judgments, and many IRS taxes can be discharged - wiped out forever. However, similar to Chapter 13 bankruptcy, the consumer will remain responsible for secured debt such as mortgages on homes or vehicles that are kept. Debts such as alimony, child support, student loans, criminal fines, fines and judgments related to drunk driving, or debts left out of the petition are not discharged. Before you file for Chapter 7 bankruptcy, it’s important to discuss your particular financial situation with an experienced Amarillo bankruptcy attorney to make sure it’s the best legal option for your needs.

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How do I find out if I’m eligible for Chapter 7?

Not everyone qualifies to file under Chapter 7 bankruptcy. You must pass a “means test”, which is based on your income, debt amount, disposable income, and the median income for Texas. If you do not pass the “means test” because your income is considered too high, you can still file for bankruptcy under Chapter 13. However, most residents of the Texas Panhandle that file bankruptcy with David Enos qualify for a Chapter 7 bankruptcy. The Law Offices of David Enos can help you find out for sure if you qualify for Chapter 7 bankruptcy. Even if you don’t qualify for a Chapter 7 bankruptcy you can file a Chapter 13 bankruptcy and probably pay pennies on the dollar and eliminate your debts. As an experienced Amarillo bankruptcy attorney, David Enos can help ensure that your bankruptcy filing is both thorough and also maximizes the benefits of bankruptcy for you and your family so you can have a “fresh start.”

See our Frequently Asked Questions and Bankruptcy Process pages for more information.

With 25 years experience Amarillo bankruptcy attorney, David Enos can help ensure that your bankruptcy filing is both thorough and also maximizes the benefits of bankruptcy for you and your family so you can have a “fresh start.”  If you would like to discuss your Chapter 7 options with an Amarillo bankruptcy lawyer, please contact bankruptcy attorney David Enos for a free consultation today.