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Best Bankruptcy Attorneys in Corpus Christi

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Alex R. Hernandez Jr. PLLC Attorneys at Law logo
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Alex R. Hernandez Jr. PLLC Attorneys at Law

921 North Chaparral Street, Corpus Christi, TX 78401
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Alex R. Hernandez Jr. PLLC Attorneys at Law represents Corpus Cristi businesses in bankruptcy cases. The practice helps clients determine whether they can apply for liquidation or establish repayment plans. Its team of eight lawyers is led by its principal lawyer and Houston Trial Lawyers Association member Alex R. Henandez Jr. The law firm also covers business law and litigation, cyber law, estates, trusts, and probates, and personal injury 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.
4.9
Google
4.8 / 5 (212)
Facebook
5.0 / 5 (129)
Avvo
4.9 / 5 (67)

(+2 additional sources)

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
Responsiveness
Friendliness
Helpfulness
Detail
Anderson, Lehrman, Barre & Maraist logo
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Anderson, Lehrman, Barre & Maraist

1001 3rd St Ste 1, Corpus Christi, TX 78404
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  • Creditor Representation

Business Description

Anderson, Lehrman, Barre & Maraist is a Texas-based law firm with offices in Corpus Christi and Santa Fe, serving clients locally, state-wide, and nationally. Founded over 50 years ago, the firm's multiple areas of practice includes bankruptcy law and creditors' rights. It represents financial institutions and other forms of creditor, counseling on the recovery of debt, foreclosures, business litigation, and enforcement of security interests. The firm can communicate with clients fluently in English and Spanish.

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 (16)
Yelp
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
Responsiveness
Friendliness
Helpfulness
Detail
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Jordan, Hyden, Womble, Culbreth & Holzer P.C. logo
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Jordan, Hyden, Womble, Culbreth & Holzer P.C.

500 North Shoreline Blvd Suite 900, Corpus Christi, TX 78401
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  • Chapter 11 Bankruptcy
  • Corporate Restructuring

Business Description

Jordan, Hyden, Womble, Culbreth & Holzer P.C. handles business reorganization and business bankruptcy cases in Corpus Christi. Attorneys at the firm have a century of combined experience in providing legal representation to individuals and businesses. Other practice areas include construction litigation, commercial litigation, as well as business and consumer debt collection. Shelby Jordan and Nathaniel Peter Holzer are both Board Certified in Business Bankruptcy. Shelby is also a Certified Specialist in Business Bankruptcy Law by the American Bankruptcy Board of Certification.

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
Responsiveness
Friendliness
Helpfulness
Detail
––
Law Office of Joel Gonzalez logo
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Law Office of Joel Gonzalez

700 Everhart Rd Ste G2, Corpus Christi, TX 78411
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Credit Card Debt
  • Debt Settlement
  • Student Loan Debt

Business Description

The Law Office of Joel Gonzalez serves the Corpus Christi metro area, providing legal assistance in bankruptcy cases. It works for people and businesses in severe debt, filing chapters 7, 13, 11, and 12 in order to help them discharge debts and receive temporary relief from collection activities. The firm also meets with creditors and attempts to convince them to participate in alternative solutions such as settlement or new payment plans which are more realistic for its clients.

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.
4.9
Google
4.9 / 5 (65)
Yelp
5.0 / 5 (2)

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
Responsiveness
Friendliness
Helpfulness
Detail
Oliva Law Bankruptcy logo
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Oliva Law Bankruptcy

1734 Santa Fe St, Corpus Christi, TX 78404
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Credit Card Debt
  • Student Loan Debt

Business Description

Oliva Law Bankruptcy is located in Corpus Christi and serves clients all throughout the metro area. The firm works to help clients resolve serious debts, most often by filing chapter 7 or 13 bankruptcy. It's particularly knowledgeable with debt solutions for clients with medical or credit card bills. The firm's attorneys usually contact creditors and take advantage of bankruptcy law to halt collection activities and harassment by agencies. While Oliva Law Bankruptcy also assists with alternative disputes resolution and mediation.

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 (104)
Facebook
4.8 / 5 (23)

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
Responsiveness
Friendliness
Helpfulness
Detail
Raub Law Firm, P.C. logo
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Raub Law Firm, P.C.

814 Leopard St, Corpus Christi, TX 78401
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  • Chapter 7 Bankruptcy
  • Creditor Representation

Business Description

Raub Law Firm PC is located in Corpus Christi and handles bankruptcy cases for clients throughout the metro area. The knowledgeable Chapter 7 and Chapter 13 bankruptcy attorneys in Corpus Christi are experienced with bankruptcy applications and assist clients with each step of the process leading up to representing them in court or resultant litigation. If necessary, it helps clients use bankruptcy to end aggressive collection practices by creditors. Most cases aim to discharge as much debt as possible in order to help clients return to productive financial lives.

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.
4.8
Google
4.9 / 5 (149)
Facebook
4.3 / 5 (43)
Yelp
1.0 / 5 (1)

(+1 additional source)

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
Responsiveness
Friendliness
Helpfulness
Detail
Schauer & Simank, P.C. Attorneys at Law logo
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Schauer & Simank, P.C. Attorneys at Law

615 N Upper Broadway St Ste 700, Corpus Christi, TX 78401
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  • Creditor Representation

Business Description

Schauer & Simank, P.C. Attorneys at Law is a practice that has been operating in Corpus Christi since 1990. It helps banks and financial institutions in asserting their rights by providing legal representation in bankruptcy proceedings. Its team analyzes debtors' actions and determines the course of action for different claims such as breach of fiduciary duty and failure to fund. One of the firm's lawyers, Ronald A. Simank, participates in pro bono activities as a member of the Corpus Christi Volunteer Lawyers Association.

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
Responsiveness
Friendliness
Helpfulness
Detail
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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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