James C. Herring & Associates prides itself in providing high quality legal services. Please look over the services below.  If you have any questions please contact us by clicking here.

Bankruptcy

Perhaps you are behind on your house, car, or credit card payments and feel that you are slowly sinking into debt more and more.   Or maybe you’ve tried to get a home equity loan or some other consolidation loan and have been turned down due to bad credit.  Bankruptcy may be an excellent alternative and because its federal law, you cannot be turned down because of credit.

Bankruptcy is designed to free people from economic bondage and give them a fresh start.  If you feel like you can never get ahead and can no longer cope with the harassment, threats, and insults of bill collectors, it's time to seriously consider seeking the advice of a bankruptcy attorney. 

If you are finding it difficult to make your minimum monthly payments on your car loans or your home mortgage, see Chapter 13 bankruptcy below.

If you are having difficulty making your minimum monthly payments on your credit cards, see Chapter 7 bankruptcy below.

• Chapter 13 bankruptcy

  A Chapter 13 Bankruptcy is a very powerful tool to stop foreclosure, repossession, and even wage garnishment.  If you have any questions that are not answered below, please read through our Chapter 13 Frequently Asked Questions.  

  The bankruptcy laws are federal laws that are intended to help consumers have a "fresh start."  This fresh start is designed to eliminate debts and/or repay them under the protection of the bankruptcy court.  A Chapter 13 bankruptcy or consolidation is designed to allow the debtor to repay his debts over a period of three to five years.  To set up a free consultation to evaluate your situation or to get more information about bankruptcy, please contact us by phone (254) 399-9977 or Email us for more Info.

   

• Chapter 7 Bankruptcy

  A Chapter 7 Bankruptcy is what most people think of when they hear the word bankruptcy.  In a chapter 7 bankruptcy, all of your dischargeable debts are wiped out.  In most cases that we file, the debtor does not lose any of their possessions.  

  The Supreme court of the United States stated, "bankruptcy (was) designed to relieve the honest debtor from the weight of indebtedness which has become oppressive and to permit him to have a fresh start in ... life, freed from the obligation and responsibilities which may have resulted from ... misfortunes."  This "fresh start" allows hundreds of thousands of Americans to live without the fear and anxiety of living paycheck to paycheck.  Please read the information below.  If you have questions please look at the Chapter 7 Frequently Asked Questions. To set up a free consultation to evaluate your situation or to get more information about bankruptcy, please contact us by phone (254) 399-9977 or Email us for more Info.