J. Gannon Helstowski Law Firm assists clients in filing bankruptcy so they can deal with extreme debt and the possibility of saving their home from foreclosure or their cars from being repossessed. We know bad things happen to great people. Our goal is to help clients get back to their life and not worrying about creditors calling. Debt collectors and creditors stop calling when we are hired. We assist you in putting a plan together so that you can help deal with the creditors. Bankruptcy can stop foreclosures, repossessions, and wage garnishments. Contact us today to see if you are eligible for bankruptcy.

Types of Bankruptcy

There are two most commonly used ways of filing bankruptcy. Each way has its own eligibility requirements, restrictions and specific processes. Chapter 7 bankruptcy helps you liquidate assets in order to pay off creditors, which can typically be handled in 6 months. However, Texas bankruptcy laws typically allow people to keep their assets in Chapter 7. There typically is no payment plan with a Chapter 7 bankruptcy. A Chapter 13 bankruptcy helps protect your assets by requesting adjustments in your payment terms with creditors, to negotiate more favorable terms over a period of years. The Chapter 13 bankruptcy is often call the wage-earner plan because it has a convenient monthly payment plan to settle with your creditors. J. Gannon Helstowski Law Firm’s attorneys are important so assets are protected while eliminating debts. We can explain the process and help you determine which type of bankruptcy is best for you.

• Chapter 7 Bankruptcy
• Chapter 13 Bankruptcy

The Bankruptcy Process

During the bankruptcy process, our attorneys serve as a representative both for the courts and creditors. The attorneys at J. Gannon Helstowski Law Firm will request an automatic stay to protect a home from foreclosure and cars from repossession. Additionally, our bankruptcy services can possibly help protect credit and possibly improve credit situations.

We make every effort to be available for our clients when they need us most. Our aim is to provide cost effective and custom solutions for our clients. There are a lot of misconceptions about bankruptcy and its effects on a person’s life. We take the time to explain the process, its effects and benefits to assist our clients in making the best decision. Our attorneys can answer any questions and are here to help!