You can stop foreclosure and creditor calls by filing for bankruptcy.

You do not have to struggle with overwhelming debt on your own. At the law firm of Rachel E. Edwards, P.C., we have focus our practice on helping individuals and businesses throughout Texas.

Our firm handles Chapter 7 and Chapter 13 bankruptcy cases, so we have a thorough understanding of Texas bankruptcy law. We can help you determine whether bankruptcy is the right choice for you, and which type best suits your needs.

What type of bankruptcy is right for you?

Chapter 7

Chapter 7 is the simplest and quickest type of bankruptcy relief available under American law. The vast, vast majority of the cases filed by Rachel E. Edwards are Chapter 7 filings. Due to the strong exemption laws under both State and Federal law, most Debtors are entitled to retain all their property as exempt. The entire case, from filing to discharge, lasts approximately three months with only one meeting with a Trustee, who is not a judge. In Chapter 7 cases, your wages are not garnished, and you are entitled to retain your income tax refunds.

Not everyone will qualify for Chapter 7 bankruptcy. A “means test” was introduced in order to ensure that those capable of paying back what they owe do so under the right bankruptcy chapter. The means test examines the applicant’s disposable income and measures his or her income against the median household income in the area. Request a free consult with Rachel Edwards to find out more.

Chapter 13

Chapter 13 bankruptcy allows you to reorganize your debts so that you can avoid repossession and/or foreclosure. If you are receiving foreclosure notices or you have fallen behind on your mortgage, Chapter 13 could be a powerful tool to help you regain control of your finances. The moment you file for bankruptcy, an automatic stay is put into place, which halts foreclosure proceedings and other debt collection methods.