Areas of Practice
Bankruptcy
The Ferguson Law Firm represents its clients in Chapter 7 and Chapter 13 bankruptcies in the United States Bankruptcy Courts. It is important to know which chapter of the Bankruptcy Code is the most appropriate for a particular client. That is one of the many reasons why it is important to have a conference with an experienced attorney before filing bankruptcy.
Call the Ferguson Law Firm at 713-623-08970 or email at jamesfergusonattorney@gmail to schedule a free consultation.
State Court Representation
The Ferguson Law Firm also represents its clients in state court debt collection cases. Sometimes, it is preferable to resolve a debt issue in state court rather than filing bankruptcy. The Ferguson Law Firm will advise its clients as to the best alternative to resolve their specific debt issues.
Creditor Negotiation
It is not always necessary to file bankruptcy to resolve debts issues. When possible, the Ferguson Law Firm assists clients to proactively resolve debt issues with creditors who have not yet filed lawsuits against them or have not yet initiated foreclosure or vehicle repossession. If you believe that a creditor will be undertaking such collection efforts in the future, we strongly encourage you to contact us so we may help resolve the dispute before legal action is taken.
Chapter 7
Chapter 7 bankruptcy offers a quick and effective way to wipe the slate clean and start over. Known as “liquidation bankruptcy,” it allows you to discharge most unsecured debts, including credit card balances and medical bills, while protecting essential assets like your home, car, and retirement accounts in most cases. Our skilled attorneys ensure the process is seamless and stress-free, helping you navigate eligibility requirements and maximize the benefits of this powerful debt relief tool.
Chapter 11
For businesses or individuals with significant debts and assets, Chapter 11 provides a lifeline to restructure and regain profitability. This “reorganization bankruptcy” allows you to develop a customized repayment plan while maintaining control of your operations or assets. Our team specializes in creating innovative strategies that align with your financial goals, ensuring you emerge stronger and better positioned for future success.
Chapter 13
Chapter 13 bankruptcy is the perfect solution for individuals seeking to reorganize their debts and keep valuable property. By establishing a manageable repayment plan over three to five years, Chapter 13 enables you to catch up on mortgage payments, reduce unsecured debt, and regain financial stability. Our attorneys work closely with you to create a plan tailored to your needs, giving you the confidence to move forward with clarity and control.