Are you facing deep debt? At risk of losing your home or business? Call the Cain Law Office for personalized debt relief solutions and guidance today!
As one of the fastest-growing counties, not just in Texas but in all of the US, Comal County is a hub of opportunity and spending. But where there is opportunity, there is also risk, loss, and mountains of debt. All it takes is one lost job, unexpected illness or other twist of fate to send ordinary families and businesses spiraling. But that is when bankruptcy and debt relief lawyer David Cain steps in to offer a much-needed hand.
David Cain has been helping distressed individuals, families and businesses in Comal County and neighboring Texas counties fight for their financial freedom and a fresh start for over 30 years. Recognized as a Board Certified Consumer Bankruptcy Specialist, he created the Cain Law Office to help struggling Texans obtain debt relief.
If you find yourself at the end of your financial rope, run the risk of losing your home or business due to unpaid debts, or are being harassed by creditors after what little you have left, David Cain can help. As a consumer and small-business bankruptcy attorney, he will provide the guidance you need to choose a path forward and the assistance you deserve to obtain that fresh start.
Whether you are running a small, struggling business or crumbling under medical or personal debt, working with a bankruptcy law firm is often your best chance at staying afloat or starting over.
In addition to guiding you through the bankruptcy process, step by step, to ensure you have the best possible chance of obtaining the relief you need. Working with a small business bankruptcy lawyer or a consumer debt bankruptcy lawyer offers a number of valuable benefits:
Our attorney will always work closely with you to identify which, if any, of the bankruptcy Chapter available in Texas will be right for your family or business.
While there exist more than half a dozen different bankruptcy chapters in the US, most Texans, including Comal County residents and business owners, will only ever need one of the most common three: Chapter 7, Chapter 11, or Chapter 13. Which one you need will depend on your individual circumstances and situation.
Chapter 7 Bankruptcy is the quickest and most efficient path to a fresh start for individuals and individual business owners in Comal County, Texas. It allows for the discharge of most or even all of your unsecured debts, including personal debt like credit cards, medical debt, and more.
However, it comes at the cost of any non-exempt assets, such as a second car, RV, boat or rental property, which must be sold to pay off what you can to creditors before they discharge the debt. Working with a lawyer is the best way to figure out if Chapter 7 bankruptcy is worth it or not for your family or company.
Individually owned businesses can choose Chapter 7 bankruptcy, but corporations do not generally have that option. Other Comal County business owners may find the conditions too extreme or the asset losses too severe. For both, Chapter 11 is a strong alternative.
By restructuring debts through a reorganization plan and creating a repayment plan, Chapter 11 allows business owners (and eligible individuals) to pay back a portion of their debts over time out of their future profits. This allows you to keep your assets and stay in business while pursuing bankruptcy debt relief.
Perfect for business owners and companies in Comal County who struggled during COVID-19 but have a clear and profitable path ahead.
In order to benefit, you will have to abide by a repayment plan which your Chapter 13 bankruptcy lawyer will help you negotiate with your creditors. This can take up to 2 or 3 years to finish, during which a chunk of your income will have to go towards paying back your debts before the rest can be forgiven.
Regardless of which bankruptcy Chapter turns out to be right for you, the earlier you begin the process by contacting a bankruptcy law firm, the better your chances of obtaining the debt relief you need.
Cain Law Office | Your Comal County Path To Debt Relief And A Fresh Start In Life
Massive debt is like a thundercloud over your head or a sword hanging by a thread. It is a constant threat that eats away at the rest of your life and keeps you from moving on.
Get out from under that threat today. Contact small business and consumer bankruptcy lawyer David Cain today to put a stop to creditor harassment and get started down the path to financial freedom.
David Cain has helped hundreds of Comal County businesses and families escape that crushing weight. Do not let it ruin your life for one moment longer than it already has; pick up the phone and call (210) 761-5002 now.