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Chapter 7 bankruptcy can discharge your debts

Many people do not realize that there are several types of bankruptcy depending on the circumstances of the person filing. When most people think of bankruptcy, they imagine courts seizing all of their assets in order to escape their debts, leaving them without a home or a car and no money to their names. This type of bankruptcy is most similar to a Chapter 7 bankruptcy filing, but it should be noted that your circumstances play a large part in how your bankruptcy filing plays out.

The key thing to remember about Chapter 7 bankruptcy is that it can completely discharge many of your debts, including credit card debts but not student loan debts. It is true that your non-exempt assets are sold off in order to pay for your debts, but in Texas many of your assets will likely be considered exempt. You may lose some of your personal property, but large assets such as houses, cars and boats will likely remain in your possession.

If you are struggling with debt and you see no way out, bankruptcy can give you a fresh financial start. We understand that bankruptcy can be a frightening process, which is why we want to meet with you and clear up some of the misconceptions you may have. You can visit our webpage to find out more information and schedule a free consultation to talk about your circumstances.

Chapter 7 bankruptcy may not be the ideal option for everyone, but it is a legal form of debt relief that can give you a fresh financial start. No matter what your circumstances, there is likely a bankruptcy option for you.

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