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Margot Bianca Gallegos Attorney at Law
For many years my bankruptcy law firm has been assisting San Antonio area residents regain their financial footing. My clients are now experiencing life without the stress and worry from overdue bills, debt collectors, collections lawsuits, auto repossessions and home foreclosures.
How did they do it? They made the decision to discuss their situation with a bankruptcy attorney.
Now they’re experiencing the fresh start that bankruptcy provides. They’re even rebuilding their credit records in a way they never imagined. They’re now able to plan for their financial futures like never before.
Remember that just because you’re in debt doesn’t mean you’re a bad person. Most of my bankruptcy clients have gone through job loss or loss of overtime hours, and in many situations divorce or some form of medical problem. They’ve had bad luck, but they’re still good people.
You probably have lots of questions about how filing bankruptcy will affect your finances, your property and your future. As a San Antonio bankruptcy attorney, I offer free consultations 7 days a week.
Lifting the Burden of Excessive Debt
If you are facing excessive debt and are looking at the possibility of bankruptcy, you probably have many questions and concerns, as well as plenty of stress. You need a bankruptcy lawyer who will help you find long-term debt solutions.
I am Margot Bianca Gallegos and I have been a bankruptcy attorney in San Antonio for many years. I can help you find the solutions you need. Call my San Antonio bankruptcy office, or contact one of my 24 hr customer service agents through live chat and schedule a free phone consultation.
The old saying goes: if you give someone a fish, you've fed them for a day; if you teach someone how to fish, you've fed them for a lifetime. As your bankruptcy attorney, My goal is to help you learn to fish. I help you find long-term solutions to your problems.
I have the experience in bankruptcy courts to help you with your legal needs in many practice areas, including:
Bankruptcy law: Lift the burden of excessive debt through bankruptcy, including Chapter 7, Chapter 13, Chapter 11 for businesses, and Chapter 11 for consumers We provide representation of debtors, including individuals and corporations, to reduce and eliminate all types of debt through negotiation and litigation. If you are considering bankruptcy as a possible solution to your financial problems, it is important to familiarize yourself with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. These two important pieces of legislation have a direct bearing on the procedures that both you and your creditors are allowed to follow regarding your debt.
Loan Modification and Foreclosure Defense: We provide representation of debtors to reduce and modify mortgages including, but not limited to reducing, interest rates, payment length and terms and principal loan amounts. We defend clients who are facing foreclosure.
Chapter 7 bankrputcy: is a liquidation bankruptcy, which lasts approximately 90 days in the State of Texas. Under Chapter 7 bankruptcy, your debts are quickly discharged over the course of a three month period of time. The majority of individuals who file for bankruptcy in the State of Texas decide to file for Chapter 7 bankruptcy.
Chapter 13 bankruptcy: is a structured payment plan that lasts three to five years. Rather than liquidate assets and settle accounts in an expedient manner, Chapter 13 bankruptcies create a long-term payment plan that allows the creditors to recoup losses and the debtor to maintain a reasonable standard of living.
The decision to file for bankruptcy is complex. It should not be made without understanding all of the potential benefits of filing for bankruptcy protection and the potential issues which might arise when you do file. Bankruptcy is certainly not a good choice for everybody. Many of my clients have been struggling to pay their bills for years before contacting my firm and have made every effort to pay their debts, but have made no real progress. Bankruptcy is a good option for many people who are in this position. It is not so good a choice for others. The decision to file should only be made when you have a thorough understanding of what to expect. I offer a free consultation where I can answer your own personal financial concerns and discuss with you weather bankruptcy is your best choice. I have helped people in difficult financial situations for many years, including helping them file for bankruptcy relief. I do not limit my practice to bankruptcy, though. I regularly defend people in state courts in cases involving credit card collections or mortgage foreclosures.
