Filing Chapter 13 Bankruptcy in Texas

Posted by Lee StringhamAug 15, 20140 Comments

If you've recently hit a wall in your ability to pay back debts you've acquired, and are living in constant fear of creditor harassment and repossession, then it's high time you consider bankruptcy as an option for overcoming and climbing out of debt. Simply put, there are few easier ways of reclaiming your life and living debt free than declaring bankruptcy, but that's where the simplicity ends. These procedures tend to be convoluted, and you may feel that you're just jumping through hoops, at times, if you attempt to challenge creditors and bankruptcy courts on your own.

Time and time again, it's been proven that the easiest way to navigate through a bankruptcy case is to hire a professional attorney, such as John A. Hixson, to protect you and your rights while the process is underway, and even during the filing itself! What many people don't realize is that the sooner you complete your application process, fill out the necessary paperwork and attend the debt counseling classes mandated by the government, the sooner the infamous ‘automatic stay' is placed on your assets, possessions, property and automobile.

The automatic stay is a legal decree that disallows greedy and vindictive creditors and the agencies they've hired to protect and enforce their debts from touching, repossessing or otherwise manipulating or touching your property. In a chapter 13 bankruptcy, the automatic stay lasts for the full length of the process, which may be anywhere between three and five years.

You might ask: why would anyone want to engage in such a lengthy process when a chapter 7 bankruptcy is commonly over in a matter of months? Well, there is a good reason that more and more people are turning to chapter 13 bankruptcy, and that is the fact that none of your assets, accounts or other belongings will be tampered with or repossessed without your approval! This chapter bankruptcy is usually more suited for families whose lives would be impacted greatly by a chapter 7 bankruptcy, as there is less invasion.

Calling an attorney in Arlington, such as John A. Hixson, will insure that your chapter 13 bankruptcy filing gets moving right away, and you will be fully informed through each step of the procedure.

What typically happens to those filing for chapter 13 bankruptcy is that a meeting with creditors, you, your attorney and a bankruptcy court will be held, where you will propose and negotiate a plan to repay debts spanning a three to five year period. Be warned! Creditors want their money as soon as they can, and will typically try and cheat you into submitting rights that would otherwise protect you! Don't wander into a chapter 13 bankruptcy unarmed or uninformed, call John A. Hixson today, and receive the expertise of a bankruptcy attorney with over two decades of experience!

John A. Hixson has been protecting those in Arlington and surrounding communities for a long time now, and he would like to hear your call! Call now to schedule a completely free consultation, with no obligation or pressure, and get the ball rolling on filing bankruptcy and climbing out of debt now!