Trouble Paying Your Monthly Bills?
We Might be able to Help
Call now to see if you can qualify for a Chapter 7 Bankruptcy

Individuals who experience financial hardship tend to suffer from elevated levels of distress because of greater exposure to chronic and acute stressors, including family and relationship problems, trouble paying monthly bills, and physical limitations.
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What is a Chapter 7 Bankruptcy?
The primary purpose of a Chapter 7 Bankruptcy is to discharge certain debts to give an honest individual debtor a fresh start. Will you qualify?
Do you have high credit card/medical/or personal loan debt?
Do you have middle to low income?
Do you need a fresh start?
Say GOODBYE to annoying creditors!
Keep your home, vehicles and property of necessity
Is Bankruptcy Right for Me?
What Are the Benefits and Risks of a Chapter 7 Bankruptcy?
Benefits
Automatic Stay
The moment your case is filed with the bankruptcy court, you’re protected from phone calls, garnishments, and collection letters. By law, they are required to stop. Filing a Chapter 7 also gives you a temporary stop for foreclosures, evictions, and repossessions.
Unsecured Debt Discharge
A Chapter 7 bankruptcy wipes out most credit card debts, medical bills,
and personal loans.
Time
Depending on how quickly the petition can be filed, your Bankruptcy can be done in as little as 3 months.
Keep What's Important
The law protects your basic necessities from being seized by the Bankruptcy Trustee. Household furniture, clothing, your automobile, even your retirement or pension are protected. You get to keep it.
Goodbye Bad Credit
Say goodbye to your bad credit score.
You get to start with a clean slate.
After the bankruptcy you can begin to build your credit. Most people have a higher credit score one year after filing Chapter 7 than on the day they began the bankruptcy process.
Risks
Too Much Income
You can’t file Chapter 7 if you make too much money. What's too much money? There's a calculation the government uses called a Means Test. Contact us and we'll run your case through the Means Test.
Not all Debts Are Discharged
A Chapter 7 Bankruptcy doesn't erase all debts. Common debts not dischargeable are: Alimony, Child Support, Tax Debts, Liens, and Student Loans.
Luxury Items Will be Seized by the Trustee
A trustee is appointed to represent the best interests of your creditors. The trustee will seize anything that is not protected to sell in order to compensate your creditors. Got a boat? Diamonds? Furs? Expensive paintings? Say goodbye to the luxury items.
Wipes Out All Credit
If you have good credit, getting a Chapter 7 Bankruptcy can be a problem because it wipes out all credit - good and bad - Also, bankruptcy will be on your credit history for the next 8-10 years. This is not a good idea if you are wanting to buy a house in the near future.
Public Record
Filing for Bankruptcy ends up as a public record. Anyone has access to see it. Looking for an apartment to lease? Now might not be the best time to file for bankruptcy.
A person commits an offense if the person is intoxicated while operating a motor vehicle in a public place.
Intoxicated is defined as: Not having the normal use of mental and physical faculties due to the consumption of drugs or alcohol - and / or having a BAC of .08 or more.
- It is illegal for drivers under 21 years to drive with any alcohol in their system
- Commercial drivers can’t drive with a BAC of .04 or more
DWI first offense is a Class B misdemeanor, with a minimum term of confinement of 72 hours.
- If there is an open container, the offense is a Class B misdemeanor, with a minimum term of confinement of six days
- If your blood, breath, or urine shows an alcohol concentration level of 0.15 or more, the offense is a Class A misdemeanor
Filing for Bankruptcy
Filing for bankruptcy is a legal process. It is a tool used to help get you back on track. We are here to guide you through the complicated procedure of filing for bankruptcy. Once we receive the requested documentation, we will draft the Voluntary Petition for Bankruptcy.
Once creditors have been notified that you have retained a bankruptcy attorney and/or filed for bankruptcy they are required to stop all actions to collect.
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Learn More About Goddard & Hoing Law, P.C.
Located at 1801 Williams Dr., Georgetown, TX 78628. Goddard & Hoing Law, P.C. specializes in family law, criminal defense services, and immigration law. Over 40 years of combined experience. Locally owned. Former prosecutor. Call us for legal consultations.
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