Bankruptcy can be a complicated topic to discuss or learn about, both because of incorrect information disseminated through popular culture, and because it is a complicated process. Chapter 7 bankruptcy can help Texas residents recover from unmanageable debt, but it is critical that the individual undertaking the filing understands the process as best as possible. This is why the support of an experienced bankruptcy attorney can be so vital to a successful filing.
Before filing for bankruptcy, the first step required by law is to take credit counseling courses. This helps to weed out those who do not actually require bankruptcy services. Even those who do choose to file after these courses are required to take additional debtor education courses following the filing. Obviously, this is not something that should be undertaken lightly.