Many Texas residents can attest to the fact that struggling with debt is no picnic. Many households reach the point where they can barely afford the necessities, let alone pay any discretionary bills. At this point, they probably attempted to deal with the overwhelming amount of debt through other means before coming to the conclusion that filing for Chapter 7 bankruptcy would be the best resolution, but the unknown could be intimidating.
Knowing what the basic process entails could make the situation less stressful. The first step is to obtain a bankruptcy counseling certificate by taking a court-approved course no more than 180 days prior to filing. Before filing the petition, it will be necessary to take the means test, which determines whether an individual qualifies to file. If so, then he or she may move on to the next step, which would be to file the petition.