https://www.123articleonline.com/rss/author/292272/rick-guerraArticles written by rick guerra from 123ArticleOnline.comen-usCopyright (c) 123ArticleOnline.com All rights reserved. https://www.123articleonline.com/articles/1207841/houston-bankruptcy-attorney The thought of filing a bankruptcy (Ch. 7, Ch. 13, or Ch. 11) is quite frightening and stressful to most people. During times of hardship, people may find themselves in the difficult position of having to choose between purchasing groceries for their family and paying the mortgage or car note. While we certainly do not treat bankruptcy as a cure all or recommend bankruptcy to our clients as a first option without considering all alternatives, Guerra | Days Law Group has found, once people understand the process and benefits that filing for bankruptcy can provide, the fear and sense of failure can quickly be alleviated.