Experienced Bankruptcy Attorney Serving Kerrville, Texas

While the downturn in the economy has affected all Americans badly, it has hit working class families like the ones in Kerrville, Texas the hardest. For those who do not have enough emergency savings, a lost job or unexpected medical emergency can have a devastating impact on finances. Having to rely on credit cards and not having the resources to pay monthly bills can quickly spell crisis. If you are dealing with overwhelming debt, we can help. At the Law Offices of Chance M. McGhee, we help individuals and families out of debt crisis through bankruptcy. We will explain the bankruptcy process and give you an honest assessment of if and how it could help you. 

Dealing with Medical Debt in Kerrville, Texas

Whether or not you have health insurance, medical bills can quickly pile up when you or a loved one has an accident or illness that requires care. Unpaid medical bills are often the source of creditor harassment. Constant telephone calls and threats of legal action are stressful to deal with. By filing for bankruptcy, however, you can stop all of that. Bankruptcy immediately halts all creditor collection efforts including harassing calls and threats. Additionally, bankruptcy wipes out your debt for good.

Not all debts can be wiped out by bankruptcy, but medical debt can. As an unsecured debt, filing for Chapter 7 or Chapter 13 can fully eliminate medical debt. If you qualify, Chapter 7 is the easiest way to wipe away medical debt completely, and it will only take about three to four months. Beyond medical debt, you can also eliminate credit card debt, some judgments against you, personal loans, some older income tax debts and other debts. 

If you are feeling overwhelmed with debt and do not know how you are going to pay it off, it may be time to consider bankruptcy. Contact us to schedule a free consultation at our San Antonio office. We help clients in Kerrville and throughout Kerr County and the Texas Hill Country.