Alva Wesley Thomas & Associates, P.C.


Financial Pressures Sometimes Overwhelm Good People · and Create a Need for Debt Relief

In the past decade, our country has experienced great economic upheavals affecting many honest people. Prices of commodities, such as gasoline, have risen significantly. Home prices rose and then fell, leaving many homeowners with "negative equity" (owing more than their homes are worth). Layoffs and a lending crisis that affected many businesses compounded the problems.

In fact, however, financial troubles have struck many people both in times of plenty and in times of recession. Medical bills, divorce, business failure and dramatically rising interest rates on credit cards have forced many debtors to consider Chapter 7 or Chapter 13 bankruptcy as an option, regardless of the state of the economy overall.

Are You Struggling With Overwhelming Debt? You Are Not Alone.

Most people want to pay their debts as promised. Some people facing large debts take on second jobs, borrow from family members, sell assets and look into debt consolidation or debt settlement as options — only to discover sooner or later that these schemes deliver too little help, too late. "Borrowing from Peter to pay Paul" cannot address the root of the problem and make the difference that they need.

"Foreclosure" and "bankruptcy" have become new household words for many hardworking people who had never dreamed they would hit rock bottom someday. These and other financial pressures lead many people to seek true debt relief. Bankruptcy is a perfectly legal option for debtors who qualify. It can provide the fresh start that many debtors need to get back on their feet.

Get a Fresh Start and Rebuild Credit

It is important to realize, however, that bankruptcy does not need to spell complete financial ruin. With a renewed focus on financial self-discipline following debt relief through bankruptcy, it can provide the fresh start and clean slate that many overwhelmed debtors need to recover. You can rebuild your credit and save for the future with the great burden of debt off your back.

Bankruptcy Law Reforms Did Not Eliminate This Path to Debt Relief

The Bankruptcy Reform Act became effective on October 17, 2005. It is important to note, however, that while there are new rules affecting your ability to get out of debt, the right to get debt relief has not been eliminated. If you have been victimized by divorce, job loss, medical bills or disability, and feel that you can't take the pressure of one more day, immediate relief from creditor harassment is available. The calls will stop, and you can eliminate the worry about repossession of your car or foreclosure on your home.

Caring and Compassionate · Serving Area Communities, Including Stafford and Missouri City, Texas: Chapter 7 Bankruptcy Attorney · Chapter 13 Bankruptcy Lawyer

If you are experiencing financial hardship, contact the law office of Alva Wesley-Thomas & Associates, P.C., for a free initial consultation with a Christian Houston bankruptcy law attorney who truly cares. We are here to answer your questions and help you get debt relief underway as expeditiously as possible if it is the right decision in your case to file bankruptcy.

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

Contact Information

Alva Wesley-Thomas & Associates, P.C. 
6161 Savoy Drive 
HoustonTX 77036 
Phone: 713-278-0800 
Fax: 713-278-0490