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FAQ
When should I consider bankruptcy (Ch. 7, 11, or 13)?
If debt exceeds your ability to pay, collections escalate, or you need time to reorganize. We assess whether Chapter 7 (discharge), 13 (repayment plan), or 11/Subchapter V (business) fits your situation.
What does a bankruptcy lawyer protect in PR and TX?
Your rights, exempt assets, and relief from collections. We handle filings, hearings, and creditor negotiations to reach a sustainable outcome.
Will bankruptcy ruin my credit forever?
No. It impacts your score for a time, but you can rebuild with cash-flow discipline, budgeting, and responsible credit use. We provide a step-by-step rebuild plan.
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