Constant collection calls can keep you from sleeping, and when you do go to sleep, you often wake up worrying. I'm here to help.
There’s nothing worse than feeling trapped. You simply have to come and see me so that you find out what’s in your best interest.
Yes, even your credit score can improve much faster with a bankruptcy filing rather than go on living with massive unpaid debts.
I’ve been filing Bankruptcy cases for my clients since 1990. I have filed more cases than I can count. You can say that I've seen it all. I’ve operated a high-volume consumer bankruptcy practice in six cities. You certainly don’t care about the Bankruptcy Code and legal-ease and where I attended law school. My experience only matters because I will use it to help you.
This is an easy answer. It’s the same reason I don’t work on my own car. I don’t know enough to ask an intelligent question. There are hundreds of things to consider in filing for bankruptcy.
Yes, you can try to figure it out yourself. It’s not a matter of intelligence. Frankly, it’s knowing the proper questions. If you don’t know the questions, you won't know the answers. Having a skilled attorney on your side makes a difference.
This used to be an easy answer, but that changed in 2005 when Congress re-wrote the Bankruptcy Code and added the “MEAN’S TEST”. It depends on many factors, but mainly: (1) How much money your household made in the last 6 months; (2) How many people live in your household; and (3) What state you live in (e.g. Texas).
Many Chapter 7 filings take four to six months, but your specific case could take longer, depending on a number of factors. I will be with you through every step of the process, from start to finish, as we create a gameplan that suits your situation and puts you in a position to progress toward a satisfying resolution.
A Chapter 7 bankruptcy filing will appear on your public record for 10 years. However, you can start taking appropriate steps to begin improving your credit score that can have an effect much earlier. I can make sure you understand what you can do to get your finances and your credit score heading in the right direction.
As a native of West Texas, I have a personal understanding of the financial challenges people face here in our part of the country. I've seen it firsthand. As a bankruptcy attorney, I am proud to use my decades of experience and my knowledge of bankruptcy law to make a difference in people's lives.
For over three decades, I've been providing reliable legal counsel to those going through difficult times. How you got into your financial trouble isn't as important as what you're going to do to get out of it. I'm here to explain your options.
Many people have a misunderstood idea that filing for bankruptcy is something that will permanently destroy your financial record and become a negative mark on your life forever. In reality, bankruptcy can offer you the opportunity to not only eliminate the mountain of debt you are carrying around but also give you a chance to wipe the slate clean and take the necessary steps to move toward a more peaceful and secure future. Let me help you learn more.
You don't have to remain in this hopeless and stressful situation forever. There is real help available when you turn to an experienced bankruptcy attorney for assistance. If you are in Hereford, Dumas, Plainview, Borger, Pampa, or the greater Amarillo, Texas area, contact me at The Law Office of Dennis R. Boren today and get started by scheduling a free consultation.
