Navigate the Bankruptcy Process with Confidence
If you are considering the option of Chapter 7 bankruptcy to help you discharge consumer debt, including credit card debt and medical bills, there are many factors to keep in mind and questions to ask that will help you understand if it is the best option for you. The first thing you need to do is talk with an experienced lawyer about your circumstances.
When you contact my firm, we will set up an appointment for a free initial consultation, where you can get important answers and information at no charge. We will go over your options, and I will tell you what you can and cannot do for your situation. If Chapter 7 is the right solution, we will proceed. If not, I will refer you to a Chapter 13 bankruptcy lawyer or provide resources to take advantage of other options.
My name is Charles Nettles, and as an experienced Austin bankruptcy lawyer, I will always provide candid, straight forward advice, even if I ultimately advise you not to use me as your attorney.
How to File for Chapter 7 Bankruptcy
Since Chapter 7 bankruptcy will automatically discharge your consumer debts, a good deal of the process involves gathering information and presenting that information to give an accurate account of your financial status. At my firm, I will advise you to gather documents that include:
- Income information and pay stubs
- All financial statements and bank records
- Copies of debts that are owed to credit card companies, medical providers and others
- Tax returns
- Any correspondence from creditors and collection agencies
- Other pertinent financial information
Together, we will look at this information, create a budget and look at where your money is going. We will get a handle on what you can afford, where you may be able to cut back and whether proper financial planning could help you more than filing for bankruptcy.
I will also help you determine if you qualify for Chapter 7 bankruptcy through the means test. Many lawyers will not discuss specifics of your situation without charging you hundreds of dollars. I'll do the means test with you for free so you know right away if you qualify.
If we determine that bankruptcy is the right solution, I will provide resources for credit counseling, which is mandatory under federal bankruptcy law. Once this is completed, we can file for bankruptcy, and hopefully, complete the process in an efficient manner.
Contact Charles R. Nettles, Attorney at Law
Contact me in Austin, Texas, to learn more information about the bankruptcy process. Either send me an e-mail or call my office at 512-443-5545 (toll free at 800-460-5555) to schedule a free initial consultation with an experienced bankruptcy lawyer.
I am a Board Certified Bankruptcy Attorney assisting Individuals and Small Businesses File Bankruptcy.
