WM. Barry Phillips, P.C. | A Bankruptcy, Divorce & Family Law Firm
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Killeen Chapter 7 Bankruptcy Lawyers Assisting People Across Central Texas

If you are facing serious debt problems such as credit card bills, medical bills, signature loans, payday loans or other types of debt, it is important to consider all of your options. For many people, bankruptcy is a proven debt relief option. Choosing a bankruptcy lawyer is an important decision that should not be taken lightly. By working closely with an experienced bankruptcy lawyer, you can get the debt relief you need.

Personal Attention From An Experienced Lawyer

At Wm. Barry Phillips, P.C., our attorneys provide skilled, knowledgeable bankruptcy representation. Based in Killeen, we serve people across Central Texas. Not many firms in our area can match our experience in bankruptcy. James O. Cure is certified in Consumer Bankruptcy Law by the Texas Board of Legal Specialization and has been practicing bankruptcy law for more than 35 years. George Micco has been practicing bankruptcy law for more than 13 years and is a former president of the Central Texas Bankruptcy Bar Association. In your initial consultation, you will speak directly to one of our lawyers about your financial situation. We will provide candid, knowledgeable advice based on our many years of experience and help you plan for a brighter financial future.

Temple Consumer Bankruptcy Attorneys Helping People File Chapter 7

Chapter 7 is a relatively quick and easy type of bankruptcy. Unsecured debts such as credit card bills, medical bills and certain types of tax debts are discharged under Chapter 7, which means that they never have to be paid. Most people who file Chapter 7 bankruptcy do not have any nonexempt assets, which means that they get to keep everything they do have. Any nonexempt assets you have may be sold by the bankruptcy trustee and applied to your debts. If you qualify, the only thing you will likely lose by filing Chapter 7 is your debts. We can advise you about what to expect and how to legally plan around many of the problems that may arise.

Once you file for bankruptcy, the automatic stay, a type of court order, immediately stops your creditors from calling or otherwise contacting you. Lawsuits, garnishments, repossessions and foreclosures will also immediately stop. Once your debts are discharged, most of your creditors can no longer try to collect their debts and you will have a fresh start financially. Let our Chapter 7 bankruptcy attorneys in Killeen talk to you about your options.

Contact Wm. Barry Phillips, P.C.

Call 254-634-0271 or email our law firm to arrange your free initial consultation.

We are a debt relief agency. We provide legal representation for people filing for bankruptcy relief under the Bankruptcy Code.