Chapter 7 Bankruptcy

Frisco, Texas Bankruptcy Lawyer

 • Stop harassing calls from creditors.
 • Eliminate credit card debt.
 • Start fresh!

If you cannot pay your bills and meet living expenses because of high unsecured debt, contact an experienced bankruptcy lawyer at Pfister, Borserine & Associates to discuss Chapter 7 personal bankruptcy.

Call 972.712.6700: Phones Answered 24 Hours

Our law firm has helped hundreds of individuals and small business owners in Collin and Denton counties and throughout North Texas file for bankruptcy. Charity Borserine offers 14 years of legal experience, and does not take a retainer until she has thoroughly reviewed your case.

Chapter 7 Bankruptcy

Under Chapter 7 personal bankruptcy, most unsecured debts (credit cards, charge cards, phone bills, medical bills) are discharged completely. This frees you to pay your mortgage, student loans and secured debts, and start with a clean slate to rebuild your credit rating. You may qualify for Chapter 7, and be able to keep your home, car, and most possessions.

• Eligibility and Timing of Personal Bankruptcy — To qualify for Chapter 7, your income from all sources in the six months prior to filing must fall below the median Texas income. We help evaluate the feasibility and timing of a bankruptcy filing. NOTE: Credit card charges or cash advances after the first time you seek bankruptcy advice cannot be discharged, but previous balances are eliminated.
• Exemptions — Ms. Borserine can counsel you on taking the federal vs. state bankruptcy exemptions for personal property and expenses. For example, if you have owned your home for 1,216 days (3 years and 3 months), you can exempt unlimited equity under the Texas opt-out exemptions.

No-Obligation Consultation

The law requires that you sign release forms before we can begin working on your personal bankruptcy case. However, we never charge a retainer (attorney fees) until we have reviewed your entire situation to see if you qualify for Chapter 7. We thoroughly examine your assets, debts, expenditures, and exemptions to put you in the best legal and financial position after bankruptcy.

Contact Charity Borserine today to discuss Chapter 7 bankruptcy. We promptly return all inquiries (phone or e-mail), and can arrange evening and weekend appointments.

We are a debt relief agency. We help people file for relief under the Bankruptcy Code.