Santos Vargas is a shareholder at Davis & Santos. Santos represents individuals, banking and financial institutions, business entities, trusts and estates in a variety of complex business litigation, financial institution litigation, fiduciary litigation, trust litigation, estate and guardianship litigation matters, civil rights and election law, bankruptcy, construction law and appeals. Santos is able to assist Spanish-speaking clients and practices in both state and federal courts where he has successfully tried several cases to verdict. Santos began his career at Cox Smith Matthews and ran his own practice for several years prior to joining Davis & Santos in 2011.(210) 853-5793
If your financial situation is in crisis mode, you must act quickly to protect your assets and financial interests. Creditors don’t waste time when your accounts show signs of default. They submit adverse credit bureau reports that lower your credit score. They transfer your accounts to collection agencies who call your home, job, or business until they get a definitive response. San Antonio recovery attorneys secure creditor’s judgments through lawsuits. They satisfy court judgments by garnishing your income and placing liens against your home.
Economic problems can be stressful, especially when you see no potential for relief. San Antonio Bankruptcy attorneys can help you navigate the most complex financial problems. They intervene on your behalf to stop collection efforts. They use their legal knowledge and experience to produce financial relief.
If you’re feeling anxious over your financial future, you’re not alone. Money management problems occur at all levels of income and economic spectrums. They arise due to uniquely personal issues such as high medical bills, job losses, and divorce. Unexpected expenses and spending indiscretions cause problems as well. It doesn’t matter how you reached your credit crisis, you shouldn’t try to handle it on your own.
Bankruptcy attorneys in San Antonio provide the critical legal assistance you need. They listen to your concerns, evaluate your financial issues, and determine if bankruptcy is your best option. After hearing your story and reviewing your personal financial information, your attorney might recommend that you attempt debt forgiveness, bill consolidation, or another non-legal option. When bankruptcy is the best alternative, you can trust your San Antonio bankruptcy attorney to understand the complex federal code and work with you to comply with the requirements.
The Bankruptcy Code provides protection for both the debtor and the creditor. It protects the debtor by requiring that creditors cease formal and informal collection activities. It protects creditors by forcing debtors to document their assets in writing and during a formal examination. This disclosure allows the court to decide if you have the ability to pay or if you meet the qualifications to discharge your debt. Your attorney initiates the legal process by filing a petition citing the appropriate chapter.
Bankruptcy is a formal legal process. You must comply with strict rules and guidelines and appear at court-ordered hearings. Attorneys work with you to gather the required information and submit necessary documents on your behalf. They help you comply with court requests and prepare your responses. They represent you during hearings and work to provide an outcome that gives you the financial relief you need.
Bankruptcy can seem like a drastic option but it might be the best option for you. If you’re struggling with financial difficulties, your attorney can help you decide. Most bankruptcy attorneys in San Antonio offer a complimentary consultation. You discuss your financial issues and decide the best solutions for your personal and financial circumstances.