Helping Clients Find Debt Relief And Bankruptcy Options

When your bills are too much to bear or your debts seem to be digging a hole impossible to climb out of, you need debt relief. People often feel embarrassed and irresponsible when they can't pay their bills. Creditors may be calling and adding stress to your life. You may have medical bills but no insurance to pay for them. People don't want to tell anyone about their debt problems. Money problems can happen to anyone.

We Offer Solutions For Financial Trouble

If you are having financial troubles, don't lose hope. We will help guide you along in this stressful time of your life. Bankruptcy is only one option for debt relief. There are other ways to get out of financial trouble, as well, such as payment plans and reducing assets and bills.

At Malcolm Miranda and Associates, P.C., our attorneys work with clients facing these issues. We can help you work out a financial solution.

Call our McKinney, Texas, office today at 469-714-0240.

Reasons People Have Financial Problems

People get into debt and consider bankruptcy for a variety of reasons, such as:

  • Going through a divorce
  • Buying an SUV or car that's too expensive on gas or payments
  • Getting behind in mortgage payments and facing foreclosure
  • Being injured in an accident and having medical bills
  • Getting laid-off from an employer

We know you want to be able to provide for your family and pay your bills. We can help you develop a financial strategy that works for your situation.

Texas Has A Special Homestead Exemption

Are you worried about home foreclosure? Behind on mortgage payments? People think they'll lose their house. They even come to us when their house will be auctioned off in 24 hours. We ask questions like can you afford this house with a new payment plan? If so, we can do things like filing a bankruptcy petition to keep the house from being auctioned off until we can work out a solution.

Two Main Types of Bankruptcy

Chapter 7 — This option is usually used when someone needs a fresh start. We will sit down with you and look at your assets and debts and help you decide what items are important to keep and which ones are not as important.

Chapter 13 — This option works well for clients who need to set up a payment plan to get out of debt over a five-year period. Then we assist with the paperwork and setting plans in place.

Our clients often are so happy and comfortable working with us that they come back later for other legal services.

Take A Step Toward A Fresh Start

Our debt relief lawyers can work with you on solutions and ease your worries. Contact us by email or call us at 469-714-0240 for an appointment.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.