Serving Clients throughout All of East Texas
Interest never sleeps. While many well-meaning people work to pay their debts on time, there is a real possibility that you will not be able to keep up with your bills, no matter how diligent you may be. If you have reached a place where paying off your debts is no longer possible, call the Lufkin bankruptcy attorney at the Law Offices of W. David Stephens. We can provide you with a free consultation to learn more about the legal options you have available and how you can use them to give yourself the freedom you need. Call today.
How to Get Rid of Debt
If you are considering filing for bankruptcy, you may be worried about what it will do to your credit. Worse, what if your property gets repossessed due to outstanding balances? What good is freeing yourself from debt if it leaves you in ruins? Thankfully, there are options to clear your debts without ruining your life.
Types of Bankruptcy for Clearing Debt:
- Chapter 7: When your debts are simply overwhelming, this type of bankruptcy can help you clear all your accounts without having to repay anything. This option can provide you with a fresh start to you move forward without worrying about the debts behind you.
- Chapter 13: This option is good for people paying off debts who still have a stable source of income. You will work with the bankruptcy court to establish a payment plan that incorporates different sources of debt, such as credit cards and house payments, allowing you to get out of debt without dealing with harassment from creditors demanding payment.
Do You Need a Bankruptcy Attorney?
If bankruptcy is not the option for you, there are other ways to handle debt that do not involve paying off your debts in full.
An experienced Bankruptcy lawyer can help you with:
- Creditor harassment
- Debt settlement and relief
- Student debt relief
- Wage garnishment
The Law Offices of W. David Stephens has extensive experience building strategies that help our clients get through these difficult times. With 40 years of experience, Attorney W. David Stephens has the in-depth knowledge and insights to help you plan your future effectively and move forward with your case.
Call for a Free Consultation
We understand that your situation feels tense and stressful. Schedule a free consultation with our firm and get started. Mr. Stephens has been rated AV Preeminent - Peer reviewed for highest level of professional excellence, and a Distinguished - Peer reviewed for high professional achievement, by Martindale-Hubbell® and is Board Certified in Consumer Bankruptcy Law. His unique insights and helpful guidance can help you move toward a more stable financial future.
Dial (936) 298-5388 now and get started on solving your debt problems.