Notice: Due to COVID-19, we will be conducting consultations via video conference or phone. Please don’t hesitate to call us if you have any questions!
Chapter 7 Create a path to financial freedom

Houston Chapter 7 Bankruptcy Services

Expert Guidance for Your Chapter 7 Filing - Call (713) 338-9009 Today

Filing for bankruptcy carries a negative stigma in society, namely that people think it is a sign of failure. However, the reality is that bankruptcy can be a liberating decision that can provide you with a fresh financial start and relief from debt.

Understanding Chapter 7 Bankruptcy: A Common Filing Option for Individuals Facing:

At Guzman Law Firm, our Chapter 7 lawyers in Houston, TX have more than 35+ years of experience representing clients who are filing for bankruptcy. We understand that it can seem very complex and overwhelming and you can rely on our knowledgeable team to guide you.

Contact Our Houston Chapter 7 Bankruptcy Lawyers at (713) 338-9009 or Reach Out Online for a Free Evaluation!

Our intention is to help you determine if this is the right step for you and assist you to get through the process of Chapter 7 bankruptcy as smoothly as possible.

Benefits of Filing for Chapter 7: Automatic Stay Protection from:

Dischargeable Debts Through Chapter 7 Bankruptcy Include:

Commonly Asked Questions

What is Chapter 7 Bankruptcy & how does it work? 

Chapter 7 Bankruptcy is a legal process that allows individuals to eliminate most of their unsecured debts, providing a fresh financial start. When you file for Chapter 7, a court-appointed trustee will review your financial situation, liquidate non-exempt assets, and distribute the proceeds to creditors. Most individuals can keep essential assets, such as their home and vehicle, under certain exemptions. This process typically takes a few months, and once completed, you will receive a discharge of your debts, freeing you from the burden of financial obligations.

Why should I choose Guzman Law Firm for my Chapter 7 Bankruptcy filing in Houston?

Choosing Guzman Law Firm for your Chapter 7 Bankruptcy filing means you will receive personalized attention from a team with over 35 years of experience in bankruptcy law. We understand the complexities of the process and are committed to guiding you every step of the way. Our attorneys can work diligently to help you understand your options and guide you toward a favorable outcome. We prioritize your financial well-being and aim to make the bankruptcy process as smooth and stress-free as possible, allowing you to focus on your fresh start.

Are You Eligible for Chapter 7 Bankruptcy in Houston?

When you contact an attorney at Guzman Law Firm, one of the first things we will discuss is your eligibility for Chapter 7 or Chapter 13 bankruptcy.

In order to determine whether or not you qualify, you must pass what is known as the “means test.” This is a formula that assesses your income compared with your debt and daily living expenses to determine your ability to pay off loans and mortgages.

How Long Does a Chapter 7 Case Take in Houston, TX?

The amount of time that your Chapter 7 takes will be dependent on your unique situation, but the average Chapter 7 case takes anywhere from four to six months to complete.

There are factors which can cause a case to extend longer, including:

  • Needing to provide additional information
  • Being involved in a separate bankruptcy case
  • The trustee needing to sell property

If you choose our Houston firm to assist you with your chapter 7 case, you can rely on us for our discretion and our respect. Call us today at (713) 338-9009 or contact us online for a free evaluation!

Understanding the Chapter 7 Bankruptcy Process

Filing for Chapter 7 bankruptcy can be a daunting and overwhelming process, but with the guidance of our experienced Houston Chapter 7 attorney, we can help make it as smooth and stress-free as possible. Our team at Guzman Law Firm is dedicated to providing personalized support and expert legal advice to help you navigate through the Chapter 7 filing process.

When you choose our firm, you can expect:

  • Thorough assessment of your financial situation to determine eligibility for Chapter 7 bankruptcy
  • Step-by-step guidance through the entire filing process, from gathering necessary documentation to attending court hearings
  • Clear explanations of the timeline and expectations for your Chapter 7 case in Houston, TX
  • Personalized attention and support to address any concerns or questions you may have

Don't face Chapter 7 bankruptcy alone. Contact Guzman Law Firm today to schedule a consultation and take the first step towards a fresh financial start

.Local Insights on Chapter 7 Bankruptcy in Houston

Living in Houston, you may face unique financial challenges, from the high cost of living to unexpected medical expenses. The city is home to a diverse population, and many residents find themselves grappling with debt due to job loss, rising housing costs, or medical bills that can disrupt financial stability. If you're considering Chapter 7 bankruptcy, it's essential to understand how local resources can support you through this process.

In Houston, the City of Houston offers various programs aimed at helping residents regain financial footing. Additionally, the Harris County government provides resources for those facing foreclosure or eviction, which can be critical for individuals contemplating bankruptcy. These local entities exist to assist you, but navigating the complexities of bankruptcy law can still be daunting.

Common Issues Our Clients Face

Many Houstonians experience pain points such as creditor harassment, wage garnishments, and the fear of losing their homes. These issues can be overwhelming, but filing for Chapter 7 bankruptcy can provide an automatic stay that halts these actions, giving you the breathing room you need to regain control of your finances. Our team at Guzman Law Firm understands the local landscape and can help you navigate these challenges with compassion and clarity.

We recognize that every financial situation is unique, and our goal is to help you determine if Chapter 7 bankruptcy is the right path for you. With our extensive knowledge of Houston's financial environment, we can guide you through the process. 

Don't let the stigma of bankruptcy hold you back from achieving a fresh start—reach out to us today for a free evaluation.

What Sets Us Apart

  • 35+ Years Of Legal & Bankruptcy Experience
  • After-Hours & Saturday Appointments Available
  • We're a Spanish-Speaking Team
  • We Provide Free Consultations
  • Start with a Virtual Consult
  • Convenient Payment Plans
  • AV Preeminent (Peer Review Rated) by Martindale Hubbell
  • State Bar of Texas (emblem)
  • Houston Association of Consumer Bankruptcy
  • Houston Bar Association
  • Texas Bar College
  • National Association of Consumer Bankruptcy

Contact Guzman Law Firm Today!

We’re Ready to Help

A member of our team will be in touch shortly to confirm your contact details or address questions you may have.

  • Please enter your first name.
  • Please enter your last name.
  • Please enter your phone number.
    This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please make a selection.
  • Please enter a message.
  • By submitting, you agree to be contacted about your request & other information using automated technology. Message frequency varies. Msg & data rates may apply. Text STOP to cancel. Acceptable Use Policy
Our Satisfied Clients
  • “We really appreciate all that you do.”
    Thank you so much for helping us. We really appreciate all that you do.
    - R.T & I.T.
  • “Since 2010 we feel we now can continue our lives and you made this challenge possible.”
    Since 2010 we feel we now can continue our lives and you made this challenge possible. We cannot thank you enough.
    - E.S. & N.S.
  • “Very good service and helpful.”
    Very good service and helpful.
    - M.S.
  • “Looking forward to getting my financial life back on track.”
    I am very satisfied, and look forward to getting my financial life back on track.
    - J.A.P.