We Are Here To Help You
We are a bankruptcy law firm, but we know that bankruptcy is not the best option for everyone. In fact, whenever it’s possible to avoid bankruptcy without entering into a more financially dangerous situation, it is advisable. Whatever the case, if you are facing serious debt, there is no cost to talk with our trusted attorneys in a free initial consultation.
At Byman & Associates PLLC, we understand debt and debt relief options. We have decades of combined experience serving Pearland, Texas, clients in bankruptcy and a range of other debt relief services, and we have become a trusted name.
Whether it’s through Chapter 7 bankruptcy or another option, we want to help you find real, lasting financial freedom.
How To Avoid Bankruptcy
There are numerous simple options that could help you eliminate some debts on your own and avoid bankruptcy, including:
- Selling: Most commercial debt involves things that you can either live without or replace for a lower cost. The most common of these items is a vehicle. Rather than letting the monthly payment and compounding interest on your new truck cripple you, perhaps you could sell it, pay off your loan and buy a cheaper vehicle to get around in until you can afford to buy the nicer vehicle.
- Increasing your income: In addition to your existing job, it might be worth exploring the possibility of a higher-paying job or a second job to increase your income. Restaurants, driving services and some work-from-home situations can all provide options for making extra money during evenings and weekends.
- Budgeting: Many people don’t have any kind of budget at all. They don’t know how much they are bringing in every month after expenses. Most of the time, when people in this situation finally sit down to look at the numbers, they are amazed at how much waste there is in their spending. When you eliminate the fat and manage your money carefully, you might be able to start paying off your debts without needing something as aggressive as bankruptcy relief.
These are a few options to get you thinking of ways to avoid bankruptcy. We provide a range of services that can help you find the freedom from debt that you’ve been looking for.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.