Chapter 13 Bankruptcy

The economy is in a tough place right now – inflation and high interest rates have left many hardworking Americans unable to make payments. Even the most responsible person could find themselves behind and in mounting debt due to economic hardship or an event like an unexpected illness or the loss of a job. Massive debt can be overwhelming, but it doesn’t have to continue to grow, ruining your life and your financial opportunities. Filing for Chapter 13 bankruptcy is a legal way to get out from under debt and back on your feet if you have income! Our law firm can take care of all of the paperwork and communications for you so you can ultimately help you achieve debt freedom. Call today to schedule a free consultation and learn more.

Many people fear bankruptcy because they have believed many myths about what bankruptcy does. They think it will ruin their credit forever and cause them to lose all of their possessions, when it actually does the opposite; bankruptcy can actually immediately improve your credit score by lowering your debt-to-income ratio, and it can immediately halt foreclosure and other wage garnishment actions that would otherwise occur. In a Chapter 13 bankruptcy, you likely won’t lose any of your possessions. Instead, some of your debts will be discharged and the rest will be reorganized into a court-ordered repayment plan that gives you more time (usually 3-5 years) to pay your creditors. You won’t have to worry about any more collections or harassment. You can relax and focus on moving forward, knowing that your future is financially secure! Because there are different types of bankruptcy, and because it is first and foremost a legal endeavor, it’s important that you work with Texas Chapter 13 bankruptcy lawyers who can tell you about all of your rights, answer all of your questions, and provide reliable advice every step of the way! We will handle everything for you. Our team will take the time to listen to you and get an accurate picture of your financial situation so we can tailor our guidance to your unique needs. We will fill out the correct forms without mistakes, meet with your creditors, advocate for you in court, and increase the chances of a quick, successful filing.

Trust our small firm to get you big results! Large bankruptcy firms simply aren’t able to offer you the one-on-one attorney attention, frequent communication, and level of customer service that we can. At Ted Machi & Associates, P.C., you are our highest priority, and you will always be treated as such. Our lead attorney, Ted Machi, is a board certified consumer bankruptcy specialist, meaning that he is an expert in this field. He is also a member of the National Association of Consumer Bankruptcy Attorneys. With him on your side, you can have peace of mind that you have the best legal help possible! Call our firm today to schedule your free initial consultation and get started.