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Texas Bankruptcy - Knowing When To Consult A Bankruptcy Lawyer

  Behind on your bills? Are you Knee Deep in Debt? Do bill collectors call you at work or at home demanding payments? Do you cringe when you open the mail? To many Debt Questions?

If this seems familiar or these things are happening to you it's important for you to know your rights and options to deal with your Debt under the law. Getting control of your Debt is possible. You can protect your rights in these situations and responsibly address your finances with a little information. Ignoring or avoiding financial problems can make things much worse. Knowing when you need the professional services of a Lawyer to address your Debt in Bankruptcy is important since it could be your best option and you may not yet realize it. Don’t wait until it’s too late. Depending on the complexity and time required of your situation, it’s the right thing to do to get help now and understand whether or not you need Bankruptcy legal services.

Knowing When to Consult a Bankruptcy Lawyer Could Make All the Difference

If you are facing foreclosure or repossession, contact a lawyer immediately.

If you have been sued or about to be sued, contact a lawyer immediately.

If you have an IRS levy, lien or tax problem, contact a lawyer immediately.

Although the above type situations are fairly clear in terms of whether or not you might need legal help or the help of an experienced Bankruptcy practitioner, there are some people that just don’t take the above actions seriously. For whatever reason, some people will avoid dealing with their debts until they find themselves embroiled in a lawsuit, or the constable is at their door to take personal property or repossess their vehicle.

All too often people knee deep in debt who ignore the warning signs of impending financial doom such as Foreclosure, Repossession, Lawsuits, IRS Tax Problems, and Judgments frequently end up filing for Bankruptcy Debt Relief anyway. Knowing when to consult a Bankruptcy Lawyer can often prevent needless depletion of assets. When unexpected events happen to good, honest, hard working people the world of debt & finances can be quite unforgiving. Although some people will attempt to address their financial problems when they first begin through Credit Counseling, Debt Settlement, or just plain negotiation with their creditors there are other factors which may still prevent them from getting control of their debt. In these situations knowing when to seek the services of a Bankruptcy Lawyer can be even more important since Credit Counseling and Debt Settlement services are not Lawyers they cannot give legal advice on debt related legal actions that may be time sensitive or require a legal response to preserve your rights.

Even if you have past due Credit Card Bills, Medical Bills, Judgments, Pay Day Loans, and Tax Debts that have not turned into lawsuits or other legal actions it is still a good idea to find out your legal options under Chapter 7 Bankruptcy which may allow you to eliminate these type of Debts. If your Debts are not dischargeable under Chapter 7 Bankruptcy or The Bankruptcy Means Test

does not provide for you to file for Chapter 7 then Debt Adjustment under Chapter 13 Bankruptcy may be an option to address your situation.

If you're unsure if you need Bankruptcy advice, a good question to ask yourself is what have you got to lose? When the answer is more money, future financial freedom, your home, your personal property, or simply your peace of mind, then getting Bankruptcy advice from a Lawyer is a good decision. Even if you’re not prepared to hire the lawyer for your situation, at least consulting a Lawyer for Bankruptcy can properly inform you of your rights and available legal options. If your vehicle broke down or started having problems you would probably consult an experienced mechanic and if a water pipe in your bathroom sprung a leak you would probably consult a professional licensed plumber. Being overwhelmed with Debt isn’t much different. If you have Debt problems you should consult an experienced professional to see what your options in Bankruptcy are. Although Bankruptcy isn’t the only option to address Debt how else can you determine what is best without getting the facts?

At The Law Offices Of R.J.Atkinson,LLC we are a Debt Relief agency and can help you file for Bankruptcy under the Bankruptcy Code. We have counseled thousands and have filed over 1500 Bankruptcy cases throughout the State of Texas. With offices in Houston, San Antonio, Austin, and Dallas, we can offer you our experience and a free initial consultation to properly assess your legal options.

Before contacting a lawyer offering Debt Relief, you should understand the nature of your financial situation. There are many different types of lawyers, each dealing with specific areas of the law. Although some lawyers practice more than one area you probably wouldn’t want to hire a traffic ticket lawyer to file a Bankruptcy case for you. That’s not to say that a traffic ticket lawyer wouldn’t do a great job, but if they’ve only done 1 or 2 or 5 or 10 Bankruptcy cases you may want to make sure their experience level meets you expectations. With the Changes in The New Bankruptcy Law you may also want know if they’re up to date with their legal knowledge. After all it is your financial future you are entrusting them with. While most lawyers will immediately let you know if you need to contact someone else, it is a good idea to have a grasp on what type of lawyer and with what experience level you need. Presumably you would want one with extensive experience in the area of Bankruptcy and Debt Relief. And, it might also be important to make certain that they are in good standing and eligible to practice with the State Bar of Texas.

You should inquire as to what fees the lawyer charges and to whether or not they offer flexible payment plans if any at all. A Lawyer will typically cost you a nominal sum compared to the long term benefits and potential Debt Relief you may be afforded by filing for Bankruptcy. Finally, you should make sure you have access to the lawyer you choose. All too often lawyers are so busy that your phone calls or inquires may not be addressed for days, weeks, or at all. Make sure your lawyer is accessible since you’re paying the bill.

If you think you may need a lawyer to file for Bankruptcy, it is vital that you act quickly. Certain situations are very time sensitive, such as foreclosures, pending lawsuits, immanent repossessions, enforcement of judgments, and other legal actions related to your debt. There is always a specific amount of time you have to respond to lawsuits and other legal actions, so even if you're not sure what your course of action should be, consulting a lawyer is always good advice. A good Lawyer can help steer you in the right direction and let you know if Bankruptcy is or isn’t an option for you.

The world of Debt can be very stressful and understanding your legal rights and options available is the first step in resolving your financial problems. Whether you’re seeking to file for Bankruptcy or are looking for Bankruptcy Alternatives, knowing when to consult a Bankruptcy Lawyer can be a matter of financial Life or Debt.

If you need to consult a lawyer about Debt Relief of have questions about filing for Chapter 7 Bankruptcy or Chapter 13 Bankruptcy please contact The Law Offices of R.J.Atkinson,LLC at 800-436-9056 for a free initial consultation to discuss your legal options. With locations in Houston, San Antonio, Austin, and Dallas we may be able to help you file for Debt Relief under the Bankruptcy Code. Don’t Lose Everything.


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Filing Bankruptcy can sometimes be the fastest way to get out of debt and may be the most affordable way to get a fresh financial start. Chapter 7 Bankruptcy can quickly wipe out your debts, increase your credit score, stop wage garnishments, get rid of credit card debt, eliminate medical bills, stop payday loans, stop bill collectors, erase negative credit reporting, and reestablish new credit after bankruptcy. RJ Atkinson – Bankruptcy Lawyer have payment plans to make filing Chapter 7 and Chapter 13 Bankruptcy affordable which include low cost flat fees for Chapter 7 that may be considered the cheapest bankruptcy attorney fees depending on the costs other bankruptcy lawyer charge. Chapter 13 Bankruptcy can save your home from foreclosure, save your car from repossession, lower monthly payments, reduce interest rates, get rid of late fees, reduce credit card interest, payoff high credit card debt, raise your credit score, stop creditor harassment, get rid of debt, reduce debt, eliminate creditor calls at work, stop collection calls, start over financially, discharge debts and/or be debt free in 3 to 5 years. IRS tax problems, tax levies, wage garnishments, back taxes, payroll taxes, income taxes can often be handled in Chapter 13 bankruptcy. Divorce/Bankruptcy – past due child support arrears, alimony, spousal support, and divorce debt can often be handled in chapter 13 bankruptcy. The Law Offices of RJ Atkinson handles debt consolidation, loan modifications, credit card debt settlement, debt negotiation, lawsuit defense, IRS problems, credit card lawsuits, TROs temporary restraining orders to foreclosure, forbearance agreements to foreclosure, FDCPA Fair Debt Collection Practices Act lawsuits, FCRA Fair Credit Reporting Act lawsuits, credit report disputes, debt collection lawsuits, adversary complaints in bankruptcy, bankruptcies, foreclosure workouts, mortgage short sales, real estate property tax disputes, civil litigation, commercial litigation, tax lawsuits, small business bankruptcy, corporate bankruptcy, business creditor representation, and most every kind of debt related issue or financially based legal problem on a case by case basis.
Pursuant to 11 U.S.C. §528, “We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.”
R.J.Atkinson Texas Bankruptcy Lawyer - Principal Office: 8000 I.H. 10 West, Suite 600, San Antonio, TX 78230-3868. Phone: 800-436-9056