Filing Chapter 7 & 13 Bankruptcy in Dallas, Tarrant, Collin, Rockwall & Denton Counties
Debt creates unbearable burdens on individuals, families, and businesses. Sometimes we need help to reduce these burdens. The Gauthier Law Firm may be able to help you reduce your unsecured debts through Chapter 7 or Chapter 13 bankruptcy. We also may be able to help you stop creditors from harassing you. Our Richardson bankruptcy lawyer may be able to restore your credit and your good name.
We are available for consultations to discuss which type of bankruptcy relief is right for you. We will help you with the forms required, attend mediation court appearances with you, and help you understand the process needed to get your debts paid off or discharged.
Bankruptcy & Stays
Chapter 7 bankruptcy helps debtors reduce or eliminate their unsecured debts. These debts are credit cards, medical bill, utilities, and other types of unsecured debt. When you meet with our team of bankruptcy attorneys, you should bring your debt information with you so that together we can see what debt may be covered by Chapter 7.
Up until now, you have may have received harassing calls and letters demanding payment on your debts. This can cause considerable stress and hardships for you and your family. When you file for your bankruptcy, the courts put in a “stay”, ordering creditors to cease collection efforts. This new-found peace of mind will help you focus on getting out of debt. Our team can help navigate you through it all.
We Can Help Restore Your Credit
Your credit score takes a big hit when debt exceeds income. The Gauthier Law Firm can help get your credit restored. Our Richardson bankruptcy attorneys can help you:
- Negotiate with your creditors if you find errors on your report
- Confront creditors who have not removed outdated debts or debts you have lawfully paid in full
- File a lawsuit against creditors that refuse to remove false information after they have been told to do so
You may have seen websites that promise to restore your credit score. Those sites are usually not reputable and cannot keep their promises. It is unfair for you to pay them to clean up your credit report when we can offer guidance on credit restoration as a part of your bankruptcy package. If a lawsuit is required, you will have The Gauthier Law Firm in your corner as a zealous advocate.
Contact us at as soon as you discover you have debt problems. We will meet with you and discuss your issues to help you find the best solution. Together we can help you regain your peace of mind.
The Negative Implications of Bankruptcy
While bankruptcy may not be the best alternative for all our clients, our Richardson bankruptcy lawyers certainly want you to approach the decision of filing armed with as much information as possible. There should never be shame or fear associated with filing for bankruptcy.
There are many myths that come along with filing for bankruptcy. The four most common myths, and why they are false, are listed below.
- All my debts can be eliminated by filing a Chapter 7 bankruptcy. While we can assist with the removal of most debt, those such as student loans and tax liens will remain and may not be removed. If student loan payments have become overwhelming, we can assist by contacting your loan provider or servicing company to negotiate a payment restructuring plan.
- My creditors have the right to continue to harass me. Once we assist you in filing for bankruptcy, all efforts to collect debts and harassment must stop.
- My credit score will remain low for several years. Your outcome will be just the opposite. Your credit score will improve and jump substantially even within one year of filing.
- I am irresponsible because I have filed for bankruptcy. Bad things sometimes happen to good people. Most people who file for bankruptcy do so out of necessity and not because of recklessly running up debt with various creditors. From divorce to illness, to disability or job loss, the need to file bankruptcy may be the very solution you need to get a fresh start.
Bankruptcy Alternatives
While filing a Chapter 7 bankruptcy can provide you with a fresh start or peace of mind, there may be more suitable alternatives for you to consider. After discussing your case in detail, The Gauthier Law Firm team can first end any creditor harassment allowable under the Fair Debt Collection Practices Act. We can then determine whether debt settlement or debt reduction is a more suitable option rather than bankruptcy. In either situation, we can discuss all options and arrive at the most suitable option together.
There is life after bankruptcy. Upon a discharge, consolidation of debt, or debt settlement, we can continue to walk alongside you and work to ensure that your credit is restored and peace of mind reassured.
Contact our firm today at and let us help you find the best solution.