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Best Bankruptcy Attorneys in Beaumont

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Barron & Barron, LLP logo
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Barron & Barron, LLP

2000 Highway 69 North, Nederland, TX 77627
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Barron & Barron LLP is a family-owned Beaumont bankruptcy law firm that exclusively provides representation to debtors in the United States Bankruptcy Court. The firm has been operating for over 33 years and takes on litigation for all Chapter 7 (liquidation), Chapter 11 (debt restructuring), and Chapter 13 (bill consolidation) bankruptcies for financially troubled businesses, families, and individuals. One of the partners, Diane Barron-Carter is currently appointed as a panel member to the Bankruptcy Trustees for the Eastern District of Texas.

Reputation:

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5.0
Facebook
5.0 / 5 (2)

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5.0
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Germer logo
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Germer

550 Fannin Street, Beaumont, TX 77701
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  • Debt Settlement

Business Description

Germer PLLC is a full-service law firm with offices located in Beaumont, Austin, and Houston. Its team of bankruptcy lawyers has experience representing banks, credit unions, landlords, suppliers, and general contractors in commercial bankruptcy transactions. The company also offers legal assistance in matters regarding medical malpractice, personal injury, estate planning and probate, civil litigation, and insurance law. Principal attorney Mitchell Smith is the former president of Jefferson County, Texas Bar Association.

Reputation:

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4.8
Google
4.8 / 5 (4)

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5.0
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Lindsay, Lindsay & Parsons, Attorneys at Law logo
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Lindsay, Lindsay & Parsons, Attorneys at Law

710 North 11th Street, Beaumont, TX 77702
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Chapter 11 Bankruptcy

Business Description

The bankruptcy attorneys at Lindsay, Lindsay & Parsons, Attorneys at Law serve Beaumont and the surrounding areas. They help clients deal with chapter 7 bankruptcy, which discharges unsecured and non-priority debts; chapter 13, which involves making monthly payments over a three- to five-year period; chapter 11, which reorganizes a business; and chapter 12, which focuses on helping farmers and fishermen. The firm also deals with family law, insurance litigation, personal injury, and probate and estate administration.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.2 / 5 (48)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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Maida Clark Law Firm, P.C. logo
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Maida Clark Law Firm, P.C.

4320 Calder Avenue, Beaumont, TX 77706
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Chapter 11 Bankruptcy

Business Description

Maida Clark Law Firm, P.C. is a bankruptcy law firm in Beaumont that was established in 1924. The firm's attorneys guide clients in filing for chapter 7 bankruptcy, also known as liquidation bankruptcy, chapter 11, which is for large enterprises in financial crisis, or chapter 13, where a three- to five-year repayment plan is imposed by the court. They also deal with debt relief, foreclosure, and repossessions. Aside from bankruptcy, the firm also handles probate law.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (33)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Offerman & King LLP logo
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Offerman & King LLP

6420 Wellington Place, Beaumont, TX 77706
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  • Debt Settlement

Business Description

Offerman and King LLP is a law firm located in Beaumont, Texas. Its founders are tenured bankruptcy attorneys with nearly 30 years of experience. They have helped individuals and businesses wanting to file and recover from bankruptcy claims. The firm offers to represent them during discussions and queries about their status. It also gives legal advice on the best way to get their money and understand what each option will do. The attorneys also help with foreclosure and probate matters.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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Packard LaPray logo
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Packard LaPray

1240 Orleans Street, Beaumont, TX 77701
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Packard LaPray has been offering legal representation and services to clients in Beaumont and nearby areas since 1993, including bankruptcy filers. The firm assists individual and business debtors in liquidating non-exempt assets for debt discharge, as well as in creating a repayment plan for debt restructuring. Lawyers at the firm have also handled high-profile cases involving personal injury, automobile accidents, maritime injuries, 18-wheeler accidents, and social security claims. Packard LaPray extends its legal services across Southeast Texas and Southwest Louisiana.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (108)
Facebook
4.9 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Frequently Asked Questions

What does a bankruptcy attorney do?

Bankruptcy attorneys help clients understand whether they qualify for bankruptcy and what their best options are. They also prepare and file petitions, answer questions during the proceedings, and educate clients about potential best steps for a positive bankruptcy outcome. Bankruptcy attorneys might also file motions or paperwork if creditors dispute the bankruptcy, or to stop creditors from taking collections actions forbidden by the bankruptcy.

What happens when you file bankruptcy?

Bankruptcy is a formal process that individuals, married couples, or businesses can enact when they are no longer able to pay creditors. In a bankruptcy proceeding, filers are allowed to reduce debt to more manageable levels to best pay off money owed.

Once the bankruptcy process is initiated, debt collectors can no longer seek repayments outside of the arrangements detailed in the bankruptcy settlement. Some forms of bankruptcy result in the liquidation of assets to pay back debts, while others allow filers to retain most of their possessions and investments. Many types of unsecured debt can be managed with bankruptcy filings, but not all.

Can you file bankruptcy on student loans?

Under most circumstances, student loans aren't dischargeable and aren't included in bankruptcy proceedings. In rare cases, it may be possible to eliminate student loans through bankruptcy, but only if the courts determine that continuing to pay the loans would impose an undue hardship. Meeting the criteria for undue hardship is challenging, and most bankruptcy filers don't qualify.

What is bankruptcy fraud?

Bankruptcy fraud is a blanket term that refers to any kind of dishonest bankruptcy proceeding, which can include:

  • Hiding assets by transferring them to another person or entity
  • Intentionally omitting assets when reporting to the court
  • Destroying or withholding required documents
  • Knowingly making false statements to bankruptcy trustees or creditors

How long is bankruptcy on public record?

How long bankruptcy stays on public record depends on the kind of bankruptcy filing in question. Chapter 7 bankruptcy remains on the record for 10 years as there isn't necessarily a repayment component. Chapter 13 bankruptcy remains on the record for seven years as some obligations are repaid following filing based on the terms of a discharge settlement.

Does bankruptcy clear tax debt?

Bankruptcy can clear tax debt, depending on the circumstances. Taxes are dischargeable under Chapter 7 bankruptcy, not Chapter 13, and only if the tax debt is:

  • Federal income tax debt related to current properly filed tax returns
  • Honestly incurred with no fraud or evasion
  • At least three years old
  • Assessed at least 240 days before bankruptcy filings

Existing liens are not eliminated with bankruptcy.


Can they take my car in Chapter 7 bankruptcy?

In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.

How bad is it to file bankruptcy twice?

Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn't recommended. Filing multiple times puts a serious burden on one's credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.

Note that filing for bankruptcy isn't something that can be done at a filer's leisure. There are time limits following bankruptcy cases that dictate when it's permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.

Can anyone file bankruptcy?

Anyone can file bankruptcy, but there are limitations regarding which form of bankruptcy is permissible. Qualifying for Chapter 7 requires a means test that evaluates income, debt levels, and income left over each month after paying basic obligations. Income over the median set by the court and monthly income that allows meaningful payments toward unsecured debt can disqualify filers from Chapter 7, which is generally the preferred form of bankruptcy due to the possibility of a full discharge. Anyone can file Chapter 13 bankruptcy, but the terms are less favorable. In most cases, some debts must be repaid following a successful filing. Chapter 13 is also more likely to result in asset forfeiture.

How will bankruptcy affect my credit score?

Bankruptcies are noted on credit reports. How much a bankruptcy might drop a person's credit score depends on how high the score was to begin with, but generally speaking, the hit can be as much as 100 to 200 points. Often scores are already dropping because people filing for bankruptcy may have already missed payments on debts. Chapter 13 bankruptcies are listed on credit reports for seven years from the filing date, while Chapter 7 bankruptcies are listed for 10 years from the filing date. This is because Chapter 13 bankruptcies require at least partial payment of debts owed.

What are the benefits of filing for bankruptcy?

Filing a bankruptcy petition causes an automatic stay. This legally stops creditors from taking further action to collect debt, including garnishing wages or foreclosing on property. Going through a bankruptcy successfully means that debts included in the bankruptcy are discharged and don't have to be paid back, except as provided in a Chapter 13 repayment plan. Bankruptcy can help someone recover from financial duress so they can make better decisions and improve financial situations in the future. Disadvantages can include temporary lower credit scores and limitations on spending and financing.

What's the difference between debt settlement and bankruptcy?

Debt settlement occurs when people negotiate with individual creditors. The creditor agrees to take a payment that's lower than what someone owes and call the debt “paid in full.” Bankruptcy is a legal process that causes debts to be dismissed after someone proves they don't currently have the means to pay their debts as owed. Typically, someone can't enter into bankruptcy and also settle some debts, because the court would see that as favoring one creditor over another.

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