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Don t Lose Your Home Contact a Bankruptcy Attorney Today

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					Title:
Don’t Lose Your Home! Contact a Bankruptcy Attorney Today!

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479

Summary:
The decision to file bankruptcy is a serious decision but it is a
decision that can give you a fresh start if there is no other way out.
Bankruptcy is a legal way to discharge unsecured debt that can provide an
overwhelmed debtor with a new beginning. It may be possible to keep your
present home and your car after filing bankruptcy. A law firm such as the
Malaise Law Firm, with attorneys skilled in San Antonio bankruptcy law
can help you.


Keywords:
bankruptcy lawyer , Bankruptcy San Antonio , credit card debt , unsecured
debts


Article Body:
<p>The decision to file bankruptcy is a serious decision but it is a
decision that can give you a fresh start if there is no other way out.
Bankruptcy is a legal way to discharge unsecured debt that can provide an
overwhelmed debtor with a new beginning. It may be possible to keep your
present home and your car after filing bankruptcy. A law firm such as the
Malaise Law Firm, with attorneys skilled in <a
href="http://www.MalaiseLawFirm.com">San Antonio baenkruptcy</a> law can
help you decide if bankruptcy is the correct decision for your particular
situation. If the decision is made to file bankruptcy, they will explain
to you the pros and cons of the two types of bankruptcy available to
individuals, Chapter 7 and Chapter 13. </p>
 <p>Chapter 7 is what most people usually think of as bankruptcy. In
Chapter 7 bankruptcy, a debtor’s non-exempt assets are liquidated or sold
with the proceeds used to pay toward unsecured debts such as credit
cards, loans, and medical bills. In the majority of bankruptcy cases
people do not lose any property and the unsecured creditors get nothing.
Several months after filing bankruptcy the unsecured debts are discharged
and the creditors can never collect on the debt. A secured creditor may
still enforce a lien to recover property secured by the lien. </p>
 <p>Chapter 13 is a debt reorganization or consolidation bankruptcy. If a
debtor has regular monthly income, their debts including mortgage
arrears, car payments, credit card bills, medical bills, loans, student
loans, etc. are combined into one low monthly payment. Since the debtor
is paying back their creditors through a repayment plan, the debtor does
not risk losing their assets as they may under Chapter 7 bankruptcy laws.
During the repayment plan creditors are prevented from contacting the
debtor without first going through the debtor’s bankruptcy attorney and
the court. </p>
<p>Millions of people declared bankruptcy in 2007 to get the fresh start
they needed. Contrary to popular belief, your credit is not permanently
damaged and it is still possible to get credit after filing bankruptcy.
At the Malaise Law Firm, our <a href="http://www.MalaiseLawFirm.com">San
Antonio bankruptcy attorneys</a> have over 40 years experience helping
people file bankruptcy, with two board certified attorneys. We put our
emphasis on helping our clients do what is in their best interest and our
clients needs always come first. </p>
<p>The Malaise Law Firm serves the residents of San Antonio, Houston,
Dallas, Fort Worth, Corpus Christi, Harlingen, Brownsville, and McAllen,
Texas with all of their legal needs including bankruptcy. If you would
like to see what we can do to help you please contact The Malaise Law
firm today at <a
href="http://www.malaiselawfirm.com/contactus">http://www.malaiselawfirm.
com/contactus</a> or call 1-800-BANKRUPT for immediate assistance. or
call 1-800-BANKRUPT for immediate assistance. </p>

				
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posted:1/26/2011
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