Law Office of Ashley Christian Specia

Consumer Bankruptcy

Personal Bankruptcy Lawyer in San Antonio, Texas

Got debt? We have answers.

When you are struggling to make ends meet and you have decided to explore bankruptcy as a way to a fresh start, you may feel anxious or intimidated. Bankruptcy can be a complex and confusing process. It may be the best way to resolve your problems, but you may be afraid to admit you don't know much about it, or you may fear that you won't know how to make the right decision.

Too late to file bankruptcy? Not true!

At the Law Offices of Ashley Christian Specia, we understand the fears that can accompany a decision to pursue bankruptcy. We offer a fresh approach to our clients, providing you with the answers you need in a relaxed and easygoing atmosphere. We pride ourselves on being personable, easy to talk to and easy to relate to. Call us at 210-225-6649 or contact our office to set up a free initial consultation and case analysis.

We work closely with you at every stage of a Chapter 7 or Chapter 13 bankruptcy. Under Chapter 7, you can discharge certain debts in exchange for the sale or liquidation of assets. Some debts, such as child support, student loans and some tax obligations, cannot be discharged. In addition, certain assets, such as a principal residence and a vehicle, will be exempt from sale. We will make sure that you know what you can discharge before you decide to file and will ensure that all exempt assets are safe from liquidation.

The New Bankruptcy Law

The bankruptcy laws changed in 2005. Though you can still do many of the same things you could do under the prior law, there have been some significant changes. It is now more difficult for you to get the benefits of a Chapter 7. You must now submit to a means test to qualify to file under Chapter 7. If you cannot file under Chapter 7, your only other bankruptcy option will be under Chapter 13. In a Chapter 13 bankruptcy, you must enter into an agreement to repay your creditors over a period of three to five years.

Debt Problems Don't Go Away by Themselves

We will help you determine whether you qualify for a Chapter 7. If you are limited to filing under Chapter 13, we will review any proposed repayment agreements to make certain that they are within your means.

We will:

• Provide you with a free debt consultation
  
• Help you compile all the information you need to file
  
• File the initial petition for you
  
• Attend the Section 341 Trustee meeting (first meeting of creditors) with you
  
• Attend the Chapter 7 or 13 plan confirmation hearing with you
  
• Ensure that the final discharge takes place

For caring and compassionate representation in criminal defense matters in south Texas, contact our office to schedule a free initial consultation and case analysis. Our office is open during regular business hours and we can accommodate weekend appointments upon request. We have an answering service available 24 hours a day, so you will always talk to a live person. Payment plans are offered.

Call us today to see if you qualify for our $125 a month debt reduction plan!

Law Offices of Ashley Christian Specia
Union Square II Building
10001 Reunion Place, Suite 600
San Antonio, Texas 78216
210-225-6649 phone
210-308-6101 fax

At the Law Offices of Ashley Christian Specia, in San Antonio, we represent clients in Sequin, New Braunfels, San Marcus, Castroville, Pleasanton, Jourdanton, Carne City and Floresville; and in Bexar County, Comal County, Kendall County, Guadalupe County, Atascosa County and Travis County.