Chapter 7 Bankruptcy will eliminate (discharge) unsecured debts such as credit card debt, medical bills, most personal loans, judgments resulting from car accidents, past due on repossessed vehicles, some older tax debts (over 3 years old), payday loans and garnishments.

Chapter 13

A Chapter 13 Bankruptcy creates a workable plan to consolidate monies owed in order for you to make affordable monthly payments over a set period of time (3-5 years). This plan benefits those that have steady income, believes their situation is temporary and repays at least some of their debt. A Chapter 13 filing also stops the harassing collection calls, lawsuits, threats of lawsuits, repossessions and foreclosures.

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The Law Offices of Sidney J Diamond is a debt relief agency helping folks in West Texas file bankruptcy.

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