Is money tight?
Are the bills pilling up?
Are creditors calling?
Is your house being foreclosed?
Then a bankruptcy might be exactly
what you need to get your financial life back in order.
Call
(281) 353-9146
for No Obligation Consultation
The Law Office of Neal Anderson can help you, or your small business, with your bankruptcy questions or needs. Call today for
a no obligation consultation,
Located at in Spring at 22557 Aldine-Westfield, Suite
104, Spring, TX 77373
Below is some information about bankruptcy and things you will need before filing.
Chapter 7
Straight
Bankruptcy for individuals or businesses that don't have the ability to pay existing debts. Discharge your debts while retaining certain
property. Some debts cannot be discharged. May reaffirm certain debts (homes, cars, etc). Debtors must qualify for Chapter 7 bankruptcies
by applying a "means test".
Chapter 11
Corporate reorganization plan for businesses or individuals with extensive debts
or property. Keep your business operating, while reorganizing your debt. Chapter 11 bankruptcy takes special knowledge. Trust an attorney
that understands business and the bankruptcy law.
Chapter 12
Reorganization plan for family farmers.
Chapter 13
Personal
reogranization plan for individuals who have enough income to pay normal living expenses and contribute to a debt payoff plan. The
plans typically run a minimum of 3 years to a maximum of 5 years. Debtor makes monthly payments to bankruptcy trustee typically through
a wage order with their employer.
Chapter 13 bankruptcy plans help with the following:
1) STOP FORECLOSURE - cure arrearage on
home mortgage
2) STOP REPOSSESSION - restructure car notes
3) STOP WAGE LEVY - repay IRS
Repay numerous secured creditors and pay
some distributions to unsecured creditors. Chapter 13 plans may be used to continue to operate small businesses.
Items needed
for filing bankruptcy:
1. Call the Law Office of Neal Anderson - (281) 353-9146
2. Complete credit counseling.
3. List of ALL of your creditors:
With creditor's name, address,
account number, and total amount owed.
This is for EVERY CREDITOR,
(house, car, credit cards, medical bills, etc.)
4. Estimated monthly budget - your monthly income and your monthly living expenses.
5.
Last six months of your specific payroll stubs (each pay stub).
6. Copies of the last two years of tax returns.
7. Itemized
list of household goods and appliances, with "garage sale" values for each item.
8. Copies of the last 3 months of any bank statements
for checking accounts, savings accounts and credit union accounts.
For more information about Bankruptcy see:
For current appraised values of property see:
5 signs it might be time for you to consider bankruptcy:
1) Behind on mortgage
2) Stress over finances
3) Health problems
4) Behavior changes
5) Credit card shuffle
Steps to complete credit counseling:
1) Click Bankrutpcy Certifications
2) Take Before Bankrupty Credit
Counseling Seminar.
3) Select State of Texas.
4) You will pay thru a "Registered User."
5) Fill in your budget information and
estimated debts.
6) Call Hummingbird and speak to
counselor at 1-800-645-4959.
7) Obtain control number.
8) Give control number to your attorney.
22557 Aldine-Westfield
Suite 104
Spring, TX 77373
(281) 353-9146 - Phone
(281) 353-2913 - Fax
Nander3176@aol.com
www.lawoona.com
J. Neal Anderson is a licensed attorney in the State of Texas, but is not certified by the Texas Board of Legal Specialization. The Law Offices of Neal Anderson is a debt relief agency. We help People file for relief under the U.S. Bankruptcy code.
Practicing law in Harris County, Montgomery County, Fort Bend County, Houston, Spring, Klein, Cypress, Tomball, Kingwood, The Woodlands, Conroe, and Humble, TX since 1982.
Copyright © 2010 Neal Anderson