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Heston Ciment, PLLC

Heston Ciment, PLLC

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2300 George Dieter Dr, El Paso, TX 79936, USA Get Directions
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SUMMARY   Services Excellence Summary

Chapter 7 bankruptcy may be an option if you cannot pay off your huge debt. It can be complicated to file for bankruptcy. This is why it is important that you seek the guidance of an experienced attorney. Over 5,000 individuals have received debt relief through bankruptcy filings by The Heston Law Firm. Our legal professionals can help you make an informed decision about whether bankruptcy is the best choice for you and guide you every step of your way. To be eligible for Chapter 7 bankruptcy, you must complete credit counseling. A means test will be conducted. This compares your income to the median Texas household and takes into consideration your debts, expenses, and other financial information. You can file if the means test deems you eligible for Chapter 7 bankruptcy. You will need to list your assets and debts, as well as apply for exemptions. The exemptions protect you property against being sold or collected by trustees of creditors. Either federal or state exemptions can be applied for, but you cannot apply simultaneously. Our bankruptcy attorneys will help you secure as many exemptions as possible. Many clients are able to keep all they have. After you file successfully, all your outstanding debts are discharged. You will also be allowed to keep exempt assets. The next step is to take a debtor education class. You will then be free from the debt burden and can make a new start. You can stop receiving harassing calls and your credit rating will improve. Don't let unmanageable debt keep you from living a life of stress. For a confidential consultation, contact the Heston Law Firm to speak with a bankruptcy attorney and take steps towards a better future.


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