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HEART OF TEXAS BANKRUPTCY LAWYER
About Evan Simpson
I am a lawyer, not a law firm. Retain me as your lawyer, and what you see is what you get. From the day you hire me to the end of your case, I will personally guide your case. I focus on solving consumer issues. The core of this is bankruptcy, but it also includes protecting people from abusive debt collection and from other unfair and deceptive acts. I am a Heart of Texas bankruptcy lawyer. I serve the entire Heart of Texas area, including Bosque, Falls, Freestone, Hill, Limestone, and McLennan counties, as well as Bell, Coryell, Hamilton, and Milam counties in Central Texas.
“Bankruptcy isn’t a four-letter word. Debt is.”
Bankruptcy is designed to give individual debtors a fresh start while treating creditors fairly. It is provided for in the United States Constitution and administered by federal courts. You don’t have to be rich to file bankruptcy — or poor, or employed, or out of work, or insolvent, or a home-owner.
It offers breathing room and powerful tools to deal with debts. The ‘automatic stay’ puts the brakes on foreclosure and repossession, puts debt collection calls on hold, and generally forces creditors to back off and wait for the case to finish, or for permission from the bankruptcy judge. In many cases the court will ‘discharge’ debts — order creditors to never again try to collect the debts from the debtor; Debts that qualify for this are called ‘dischargeable’ debts.
Bankruptcy does not mean losing your property. Most Heart of Texas filers aren’t forced to give up any property in bankruptcy.
But the Bankruptcy Code is complex. Just under 1,000 bankruptcy cases were filed in the Waco Division of the Western District of Texas in the past year. Of these, about half were filed under Chapter 7 of the Bankruptcy Code, and half under Chapter 13. Which chapter is better? That depends on your circumstances. Professional guidance is crucial; mistakes can lead to loss of property and of some or all of the benefits of bankruptcy.
Solving Your Financial Issues
Don’t wait for a crisis. The sooner you investigate your options, the more and better options you’re likely to have. Sadly, too many people wait until they are at the edge of ruin, until they have tried every other possibility, before they seek help from a bankruptcy lawyer. They exhaust all of their resources, take out terrible high-interest loans, use up their savings, and even mortgage their homes, all to keep their creditors at bay just a little bit longer.
Get professional advice. We are ready to discuss your situation and concerns, and review both your bankruptcy and non-bankruptcy options. Set up a free consultation by calling us at (254) 399-9977.
The Attorney General of Texas: Basic information on frauds & scams.
Wikipedia: Learn more about bankruptcy.
U.S. Bankruptcy Court: Western District of Texas bankruptcy information.
Lawyers.com: Bankruptcy in Texas.
Harker Heights / Killeen Office:
120 W. Central Texas Expressway #104
Harker Heights, TX 76548
3925A S. Jack Kultgen Expressway
Waco, TX 76706
CALL 254-399-9977 for a Free Consultation Appointment to explore your options for dealing with debt.