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San Antonio Chapter 7 Bankruptcy

Giving You a Brighter Future

You have tried budgeting, cutting out unnecessary expenses, specifically targeting debts, working extra hours, yet your debt never diminishes. It may feel hopeless, but know that you are not alone. At Villa & White, our legal team is committed to helping you during this stressful time. By filing for Chapter 7 bankruptcy, you can regain control of your finances. Our attorneys understand how to help you throughout the entire filing process and make sure you understand every step.

To learn more about Chapter 7 bankruptcy, please contact us today at (210) 625-4313 or by reaching us online.

Liquidation Bankruptcy

Chapter 7 bankruptcy is the most common type of bankruptcy filed by consumers. Sometimes referred to as "liquidation bankruptcy," Chapter 7 allows you to eliminate most, if not all, of your debts through a liquidation process. The bankruptcy trustee is placed in charge of completing this process, using non-exempt property to repay your debts. One of the benefits of Chapter 7 is that oftentimes many debtors end up keeping most of their property.

Property that is exempt from liquidation include:

  • Clothing
  • Certain retirement accounts
  • Items of low value
  • Cars, under certain circumstances

Do I Qualify for Chapter 7?

In order to qualify for Chapter 7 bankruptcy, you must first take the "means test." This test determines your eligibility by calculating your annual income and taking into consideration all of your debts. If you make less than the median income, you automatically qualify. In the event that you make more than the median income, you are required to input information about your expenses to determine if you can repay your debts within a three to five year period, at which point you would instead qualify for Chapter 13 bankruptcy.

Call us at (210) 625-4313 to learn what our San Antonio debt relief attorneys can do to help you today.

Why Hire Villa & White?

  • We have experience successfully handling cases just like yours
  • We provide personalized attention to you and your case
  • We offer free consultations, regardless of your legal matter
  • Dont take our word for it, see what our happy clients have to say about us

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