Straight Talk Law

Deciding to file for Chapter 7 bankruptcy can be one of the smartest financial choices you’ll ever make but timing and preparation matter. A few simple mistakes before filing can delay your case or even cause you to lose protections you would otherwise have. At Royes Law LLC, we help clients avoid those pitfalls and…

One of the most common fears people have before filing for Chapter 7 bankruptcy is: “Will this ruin my credit forever?” The truth is no, it won’t. In fact, for many people, bankruptcy is the first step toward rebuilding stronger credit than they had before. At Royes Law LLC, we help clients understand not just…

If you’re reading this, chances are you’ve been trying to manage overwhelming debt for a while, juggling bills, getting constant collection calls, or even worrying about losing your paycheck to garnishment. It’s exhausting. The good news is, you’re not out of options. Chapter 7 bankruptcy might be the fresh start you need and contrary to…

For many people, the word “bankruptcy” immediately sparks fear, embarrassment, or guilt, emotions often fueled by myths and misinformation. But here’s the truth: bankruptcy isn’t the end. It’s a legal protection designed to help people rebuild when life hits hard. At Royes Law LLC, we talk with clients every week who feel ashamed or anxious…

Filing for Chapter 7 bankruptcy can feel like a huge weight lifted off your shoulders. The collection calls stop, the debt disappears, and you finally get to breathe again. But once your case is discharged, one big question usually follows: “What Do I Do Next?” The truth is, life after Chapter 7 can be even…

When debt becomes overwhelming, it can start to feel like there’s no way out. You’re juggling bills, dodging collection calls, and feeling trapped in a cycle that just won’t end. But the truth is, there is a way out and it’s not something to be ashamed of. Chapter 7 bankruptcy exists for a reason: to…