Detail-Oriented Pearland Chapter 7 Bankruptcy Lawyers
Last updated on May 3, 2025
What would it feel like to wake up without the immediate fear and anxiety of heavy debts weighing on you every day? What would it be like to start afresh?
Although it might seem like a fantasy, we have personally helped many people in your situation find debt relief through Chapter 7 bankruptcy. Debt relief is not a fantasy. You can be relieved of your debts and find financial freedom. At Byman & Associates PLLC, we are a premier bankruptcy firm with decades of combined experience serving clients in Pearland, Texas, and throughout the surrounding areas. For years, clients have trusted us to help them find relief through Chapter 7 bankruptcy.
What Is Chapter 7 Bankruptcy?
Chapter 7 bankruptcy is a legal debt relief option that eliminates most of your outstanding debt. Although you might lose some of the assets on which you owe money, you can most likely keep more than you think.
Benefits Of Chapter 7 Bankruptcy
There are many potential benefits when you use Chapter 7 bankruptcy to get a fresh start financially. If you have been experiencing creditor harassment, filing a Chapter 7 bankruptcy case puts an automatic stay on actions against you. This could pause a foreclosure, for instance, and prevent creditors from continuing to harass you to get these payments back. They have to wait for the bankruptcy case to conclude.
Similarly, bankruptcy can be used to prevent wage garnishment if there is the potential for your wages to be garnished to pay off the debt that is due. Instead, Chapter 7 bankruptcy can eliminate certain types of debt so that you can move forward without these long-term reductions in pay. It truly gives you a fresh start, and you can begin building a positive financial future.
What To Expect From The Chapter 7 Bankruptcy Process
Our attorneys are knowledgeable and dedicated to helping our clients obtain debt relief through Chapter 7 bankruptcy. They have decades of experience in helping people just like you through every step of the bankruptcy process.
The basic process of filing for bankruptcy with the help of one of our attorneys is as follows:
- Initial consultation: The first thing you should do is meet with an attorney from our firm. We can look at your financial situation and discuss the various options available to you.
- Mandatory credit counseling: If you decide to go forward with a Chapter 7, the federal government requires a credit counseling session. We can help you get in with an approved credit counselor.
- Filing: At this point, you will need to file your bankruptcy petition and submit all the required financial documentation. Our lawyers have been through the process, and we have decades of combined experience in this. We will explain everything and help you get the paperwork you need.
- Meetings: There will be a couple of meetings – with the court-appointed trustee and the creditors. One of our lawyers will be with you throughout these meetings to make sure your interests are protected.
- Debt discharge: Once all the paperwork goes through and the court approves your petition, your debt will be discharged and you will begin your new life of financial freedom.
It really is that simple. Most cases take six months or less from filing to discharge, especially when the filers are assisted by an experienced legal team.
How Chapter 7 Bankruptcy Affects Credit Scores
Filing for bankruptcy will initially have a negative impact on your credit score, potentially lowering the score and making it harder for you to access loans and lines of credit in the future. This is inevitable because while bankruptcy eliminates some of your debt, it still leaves the debt on your credit score.
However, it is certainly possible to rebuild your credit score again. After all, that score was likely already dropping if you were missing monthly payments – so bankruptcy can help in the long term. You need to make future payments on time, budget appropriately and look into other steps you can take to show creditors that you are a reliable borrower.
One common example is using a secured credit card, which you can get with a down payment. Paying this card off at the end of the month can slowly raise your score until you can access traditional cards and other types of credit again.
How Long Does The Chapter 7 Bankruptcy Process Typically Take?
The exact amount of time a bankruptcy case takes varies from case to case, as each one involves its own unique factors. But as a general rule, you can expect it to take four to six months. This timeline starts when you file the initial paperwork and ends when you receive your final discharge from the court. It is at this point that you can begin focusing on rebuilding your credit score and creating a positive financial future.
Helping You Through The Process
The Chapter 7 bankruptcy process itself is relatively painless and simple, and it usually takes less than six months to have your outstanding debt discharged.
Our lawyers have been through this with clients countless times. We know the process and the various challenges involved, so we can walk you through every step until you are free from outstanding debt.
Contact Byman & Associates PLLC For A Free Initial Consultation
Do not delay. The sooner you contact us, the sooner we can help you get free from debt. Call 281-884-9768 or email us today to get started. We offer free initial consultations.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.