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Chapter 7 Bankruptcy: Discharge Certain Debts

Houston Chapter 7 Lawyer

Guidance Through the Chapter 7 Filing Process - Call (713) 338-9009 Today

Filing for bankruptcy carries a negative stigma in society, namely that people think it is a sign of failure. However, the reality is that bankruptcy can be a liberating decision that can provide you with a fresh financial start and relief from debt. Chapter 7 bankruptcy is one of the most common filing options and is intended to help individuals facing:

  • Garnishments
  • Liens
  • Foreclosure
  • Repossession

At Guzman Law Firm, our Chapter 7 lawyers in Houston, TX have more than 40+ years of combined experience representing clients who are filing for bankruptcy. We understand that it can seem very complex and overwhelming and you can rely on our knowledgeable team to guide you. Our intention is to help you determine if this is the right step for you and assist you to get through the process of Chapter 7 bankruptcy as smoothly as possible. Filing for Chapter 7 sets in place an automatic stay which protects you from:

  • Bank levies
  • Creditor harassment
  • Repossession
  • Foreclosure
  • Wage garnishment

Chapter 7 bankruptcy can help to discharge the following debts:

  • Credit card debt
  • Medical bills
  • Personal loans
  • Unsecured loans
  • Some tax debt

Are You Eligible for Chapter 7 Bankruptcy in Houston?

When you contact an attorney at Guzman Law Firm, one of the first things we will discuss is your eligibility for Chapter 7 or Chapter 13 bankruptcy. In order to determine whether or not you qualify, you must pass what is known as the “means test.” This is a formula that assesses your income compared with your debt and daily living expenses to determine your ability to pay off loans and mortgages.

If you choose our Houston firm to assist you with your chapter 7 case, you can rely on us for our discretion and our respect. For a free evaluation, call us today at (713) 338-9009!


  • Peer Review Rated
  • Houston Association of Consumer Bankruptcy
  • Houston Bar Association
  • The College of the State Bar of Texas
  • State Bar of Texas

Contact the Guzman Law Firm

Free case evaluations available. Hablamos Español.
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