The Law Office of Clayton Wrzesinski, P.C.
Board Certified Bankruptcy Attorney

HOUSTON
(281)499-4996  

AUSTIN
(512)650-3075

Call Today  For a Free Phone Consultation!! Saturdays and Evenings Available!
  
 
The Law Offices of Clayton Wrzesinski, P.C., with locations in Houston and 
Austin Texas, focus practice on providing clients with the most effective 
legal representation possible. We focus on our clients and how to best help 
them solve their problems.

Our legal practice is built on delivering the utmost attention and unfaltering 
dedication to client service. Our clients can rely on us to be approachable, 
responsive and efficient.
  • Our Attorneys are Dedicated Professionals
  • Reasonable Fees with Payment Plans Available
  • Helpful and Energetic Staff Eager to Assist

Our Philosophy
We consider ourselves in partnership with our clients. Having been part of 
the business community for over twenty years, we understand the 
importance of the bottom line, as well as providing a valuable service.  The 
cornerstone of our success is the quality relationship which we maintain with 
clients. Clients are treated with integrity and respect for their needs, goals, 
and objectives. We focus on intelligent legal representation and pledge to 
listen to and communicate with clients.
  1. Should I file Chapter 7 or 13?
    Should I file Chapter 7 or 13?
    At our firm, we will be able to help you with that question. Everyone's individual circumstances vary, but generally speaking a person with money left over at the end of the month after taking into account their monthly budget including all "necessary" bills, would probably be a good Chapter 13 candidate. If you do not have any excess income after paying your monthly minimum expense, then a Chapter 7 might be your only option.
  2. Do I get to keep any of my property?
    Do I get to keep any of my property?
    You get to keep your exempt property. In Texas there are several advantageous exemptions available to debtors. Our attorneys will carefully review your situation to ensure that all available exemptions are used to your best benefit.
  3. What can I expect?
    What can I expect?
    Our attorneys will prepare a detailed petition listing all of your property, debts and other financial information. After you approve the petition, it will be filed electronically with the Court. A short period later there will be a meeting with the bankruptcy trustee that you must attend. This is usually the only appearance required and one of our attorneys will be right there with you. Unless there are problems or one of your creditors objects, the discharge will be granted a few months later.
  4. How long will I be in Bankruptcy?
     How long will I be in Bankruptcy?
    It will take approximately three months from the time the petition is filed until the date of final discharge for a Chapter 7. Under the Chapter 13 framework, you are "in bankruptcy" for the duration of the repayment plan, usually 36-60 months.