Helping Texas Clients Get Relief from Bankruptcy

Bankruptcy can happen to anyone. Credit card bills, home loans, medical bills and other factors add up, and you can quickly find yourself unable to make ends meet. When you find yourself facing an avalanche of debt in Texas, filing for Chapter 7 Bankruptcy (erasing your debts) or Chapter 13 Reorganization  may be the best options in order to give you relief from creditors and a fresh start.

20 Years of Bankruptcy Representation

From my Houston office, I, Michael L. Holland, Attorney at Law, help my clients get relief from debt. With more than 20 years of experience, I will guide you through the complicated bankruptcy process. Call 713-893-1800 or contact me online to schedule a free consultation to find out if bankruptcy is right for you.

Stop Creditor Harassment

When you come to me struggling with debt, I will take the time to understand your situation and help you. Gathering all of the necessary information, we will determine if you meet the requirements (means test) to qualify for Chapter 7 Bankruptcy or if Chapter 13 is the answer. I will take the time to explain everything to you including the process and answer all your questions.

If you qualify, we will work quickly to file for bankruptcy and put an automatic stay in place. The automatic stay is a powerful tool that goes into effect once a bankruptcy is filed. Creditors and collections agencies will have to stop contacting you. Lawsuits filed in connection with financial obligations will be stopped and moved into the bankruptcy court where you will be protected.

You will get immediate relief once your bankruptcy has been filed. The automatic stay will provide you with full protection from immediate creditors.

The Bankruptcy Process

It is easy to feel overwhelmed when you have too many bills left over at the end of the month. The economy has been tough on everyone and with mortgage payments, medical bills, credit card debts, car notes and other debts piling up, it's easy to fall behind and never get caught up.

I understand how difficult it is trying to stay afloat in an ocean of debt. Being swamped in debt is stressful and makes it hard to focus on anything else after receiving the letters and telephone calls from collection agencies and lawyers. Financial problems can affect anyone. Lots of people encounter unexpected job loss, divorce, and medical conditions that bring about huge expenses, all leaving ruined credit reports followed by harassing collections agencies.

In many cases bankruptcy may be your best option. Every year there are approximately one million people that file for protection under the bankruptcy statutes and each case is a unique situation, which requires its own unique solution. Chapter 7 and Chapter 13 Bankruptcy is an opportunity for you to make a fresh financial start! No matter how trying your situation, Bankruptcy may be the very solution you need to end this never-ending pattern of debt and to start anew.

In most cases the entire procedure only takes a few months, but you will feel immediate relief from creditors, collection agencies and collection lawyers. If Chapter 7 Bankruptcy is the way you should go, as your attorney, I will work with you to decide which debts you want to have wiped away. Unsecured debt like credit card and medical bills can be discharged. If you are current on your payments for secured debts such as your home or car, you can choose to reaffirm those debts and keep your property.

In the case of Chapter 13 bankruptcies, we put together a plan that helps you repay the portions of the debt required while allowing you sufficient cash flow to pay your other ongoing living expenses.

You will be required by Texas law to attend consumer credit counseling if you file for bankruptcy, and I can help you with this. I even have telephone courses available so you can simply pay the $50 and obtain your certificate over the telephone. My offices are comfortable and I maintain an atmosphere of ease and confidentiality so you will feel comfortable discussing your situation with me. My experience in handling bankruptcies over the past 20 years gives me the knowledge and skill to help you regardless of your situation.

I also want to assure you that although you may see your situation and the filing of a bankruptcy case overwhelming. I will be there with you as your lawyer every step of the way and I can assure you that there is life after bankruptcy.

The bankruptcy qualification and discharge processes can be very complex. As your lawyer, I will help you understand your rights and exercise them. I can help with both personal as well as business bankruptcy filers. If you are considering filing for a bankruptcy, do not make that decision alone.

Call 713-893-1800 or contact me online. I will do my best to answer your questions, and if you need my legal representation, we will schedule a free initial consultation.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Credit cards, Checks and Cash accepted.