Chapter 7 Bankruptcy

Get Relief from Debt and Get a Fresh Start

File for Chapter 7 with the Help of an Experienced McKinney Bankruptcy Lawyer

If you are drowning in consumer debt because of an illness, job loss, divorce or your credit cards are getting out of control, you may be feeling stressed and anxious about the future. Faced with creditor harassment, lawsuits or garnishments, it is easy to feel overwhelmed. Constant calls and letters from creditors make you feel like you're sinking in quicksand. Worried about the future, you may not know where to begin.

At my McKinney law office, Susan B. Sweeney, P.C., I work with clients to help them file for Chapter 7 bankruptcy. There is no need to be ashamed or fearful about filing for bankruptcy. The law provides you with a dignified solution to help you eliminate debt and regain control of your situation.

Chapter 7 Bankruptcy is Your Legal Right to a Fresh Start

Chapter 7 bankruptcy, also known as liquidation, allows you to eliminate most or all of your debt, including credit card balances and medical debt. If you qualify, you may able to keep your home if you can make the payments. Generally, your car and retirement plans, along with other assets, are protected. Moreover, Chapter 7 offers debtors immediate relief: Under the law, lawsuits, garnishments and all creditor harassment must stop upon the filing of your case.

What Can You Expect from Me?

When you contact me, you will work directly with an experienced McKinney bankruptcy lawyer who will help you find effective and affordable debt solutions. For about seven years, I have helped men and women get the fresh start they need, and I can help you too.

I will personally handle every aspect of your case, from start to finish. You will never be passed off to a paralegal or office assistant. When you come to me:

• We will discuss your financial situation.
• I will gather necessary information about your creditors, assets and debts.
• I will analyze your assets and whether you can keep them.
• I will analyze your debts and whether they can be discharged.
• I will analyze the type of bankruptcy for which you qualify - Chapter 7 or Chapter 13 - and I will explain the pros and cons of each.

Some people have the mistaken belief that their income level disqualifies them from Chapter 7. I will conduct a means test analysis, and if you pass, you can still qualify for Chapter 7 bankruptcy.

What Happens If I Qualify?

If you qualify for Chapter 7 bankruptcy, I will file your case with the Bankruptcy Court. As soon as I file, an automatic stay goes into effect. This legal term means that all collections activity must stop, including lawsuits, garnishment, creditor calls and letters.

About sixty days later, you and I will attend a meeting of creditors. This informal meeting allows creditors to ask you questions. However, many creditors often do not even attend! And remember, I will be there with you, every step of the way.

After that meeting, the court may issue an order discharging or eliminating your debt. The entire process generally takes about six months. It is important to note that certain debts cannot be discharged, like student loans and child support.

Contact an Experienced Chapter 7 Attorney

To begin working toward debt relief, contact me online or call 972-542-1325 to schedule an appointment. I offer affordable and competitive rates, and your initial consultation is free.

My office is conveniently and centrally located for all of Collin County off I-35/N. Central Expressway. All meetings are by appointment, and evening and weekend hours are available.

Susan B. Sweeney, P.C.
808 S. College Street, Ste. 304
McKinney, TX 75069
Telephone: 972-542-1325 | Fax: 972-542-9780
Map and Directions | E-mail us

The law office of Susan B. Sweeney, P.C. is a debt relief agency. I help individuals file for bankruptcy relief under the Bankruptcy Code.

The law office of Susan B. Sweeney, P.C., is located in McKinney, Texas, and represents clients throughout McKinney and all of Collin County, including Plano, Allen, Frisco, Princeton, Prosper, Eastvale, Little Elm, The Colony, Anna, Blue Ridge, Celina, Farmersville, Melissa, Weston, Sherman and Denison.

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