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Viviana Leigh Cavada

Attorney At Law

Viviana Leigh has filed over 5,000 cases in the United States Bankruptcy Court, She has over 25 years of experience in Chapter 7 bankrutpcy, Chapter 13 Wage Earner Plans in Bankruptcy, Corporate Chapter 11 Bankruptcies, and has represented creditors in large corporate reorganizations. Please see our practice areas overview page for a full description of our areas of expertise. Our attorneys are highly-regarded bankruptcy lawyers throughout Texas.

Superior Legal Representation

We are dedicated to providing each client with superior legal representation. Our bankruptcy lawyers focus on exclusively representing debtors. This ensures that our clients can trust our advice and know that we are only concerned with protecting their rights and assisting them with their legal problems. An experienced bankruptcy lawyer at The Cavada Law Firm is waiting to guide you and help resolve your legal problems.

About Us

Bankruptcy Services

Cavada Law

Are you seeking a bankruptcy law firm in Texas? The Cavada Law Firm is a highly-regarded bankruptcy law firm. Our attorneys have the compassion and knowledge to skillfully assist you with your financial legal problems. We are known among bankruptcy law firms ithroughout Texas as creative legal thinkers with years of proven results in our field. Our years of experience make us highly effective at achieving the results our clients require.

The lawyers of the Cavada Law are proud of our ability to provide each of our clients with the legal representation each unique case warrants. Our bankruptcy law firm focuses on representing debtors exclusively. Our clients can trust our advice and know that we are only concerned with protecting their rights and assisting them with their legal problems.

When declaring bankruptcy proves to be the best option, our law firm guides our clients every step of the way through what is often a complex and confusing process. Depending on the financial situation of a client, one type of bankruptcy may be preferable over another. We can assist our clients with the following:

Chapter 7 bankruptcy

Chapter 11 bankruptcy

Chapter 13 bankruptcy

One of our experienced bankruptcy lawyers is waiting to answer your questions and help resolve your legal problems. The members of our staff are fluent in Spanish.

The Skilled Legal Guidance You Need

If you are seeking bankruptcy law firms please contact the Cavada Law, one of the top bankruptcy law firms. We hope you will place yourself in the steady hands of our lawyers and allow us to guide you on the path to financial freedom and responsibility. To schedule a free consultation to discuss your case with us, contact us today.

Bankruptcy

BANKRUPTCY

Personal A Texas lawyer who can help you get a fresh start by filing personal bankruptcy Chapter 7 bankruptcy is a common form of personal bankruptcy. Chapter 7 bankruptcy, otherwise known as liquidation bankruptcy or straight bankruptcy cancels debts. Under this section of the code, a trustee of the bankruptcy court may sell off or liquidate some of the property of a debtor for the benefit of creditors. Most Chapter 7 filings are no-asset cases, which means there is not any non-exempt property for the trustee to sell. In order to file Chapter 7 personal bankruptcy your income must be below the median income for families in Texas, based on Census Bureau statistics. Otherwise you will be required to file for Chapter 13 bankruptcy. Chapter 13 bankruptcy is another form of personal bankruptcy. It is sometimes called reorganization bankruptcy. Unlike Chapter 7 bankruptcy, which wipes out most debts, Chapter 13 uses income of a debtor to pay creditors some or all of what is owed to them over a period of time. Chapter 13 bankruptcy involves a structured repayment plan to discharge debts. For a Chapter 13 bankruptcy, a debtor must show a stable income as well as disposable income left over after payment of necessities such as shelter, food, and utilities.Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos himenaeos. Suspendisse at nulla. In tincidunt, nunc vitae posuere feugiat, urna arcu porttitor nunc, ac dictum nulla enim eu felis. Praesent id velit. Class aptent taciti sociosqu ad litora torquent per conubia nostra, per ince

Personal Bankruptcy

Business Chapter 11 bankruptcy helps Texans protect protect their businessesChapter 11 bankruptcy applies to businesses and allows them to restructure debt payments and keep assets. Companies usually choose to file Chapter 11 because their long-term revenues will be higher than the liquidation value of their assets. Creditors can get more money back if they allow the debtor business to reorganize and adopt a business work out payment plan.In Chapter 11 bankruptcy, a commercial enterprise pays creditors according to a court-approved reorganization plan. This allows a business the opportunity to get back on its feet and move forward to a path to profitability. Bankruptcy court approves or rejects the corporate plan. A Cavada Law business bankruptcy lawyer will be able to advise you as to whether Chapter 11 business bankruptcy is right for you and your business.Filing a petitionA Chapter 11 case begins with filing a petition with bankruptcy court. A company that declares Chapter 11 is required to disclose all of its assets and make a list of all the debts it needs protection from.While under Chapter 11, a company can only make the usual sales and purchases that are part of its standard business operations. In all Chapter 11 proceedings, a creditors' committee represents the majority of the unsecured creditors. This committee negotiates the best possible payment options for them.Voiding contractsOne of the important provisions of Chapter 11 allows a company to void many of its contracts, including union contracts, contracts with suppliers, and real estate leases. The debtor can also avoid certain payments or purchases that happened in the period prior to the bankruptcy.The skilled legal guidance you needA Cavada Law business bankruptcy lawyer can answer all your questions concerning business bankruptcy. The firm has years of experience representing corporations and individuals in all types of Texas bankruptcy proceedings. To schedule a free consultation to discuss your case with us, contact us today.

BUSINESS BANKRUPTCY

Litigation Many high profile bankruptcy cases have been in the news of late, including bankrupt Bernie Madoff whose investment fraud injured a staggering number of people. Bankruptcy litigation requires attorneys with skills and in-depth knowledge of the U.S. Bankruptcy Code who have experience in litigating complex, multi-party disputes. Bankruptcy litigation can involve the following:Representation of secured and unsecured creditors and committeesAd hoc bondholder committeesTrusteesDebtorsRegulatorsExaminersStrategic investorsEquity interestsEquity committeesLessors and lessees of real and personal property in litigation related to every aspect of bankruptcy, reorganizations and workouts.Issues relating to fraudulent transfers, preferences, insider transactions, and sales and dispositions of collateral also can be litigated.What To Do When You Are Hounded By CreditorsMost people file for bankruptcy to stop being hounded by creditors. They are seeking a way to climb out of debt. But sometimes the protections of bankruptcy are tested by creditors who do not want to accept what they are awarded, or who believe they have been defrauded. Creditors can attempt to seize assets, garnish wages, and place liens on bank accounts or retirement funds.Bankruptcy litigation can involve accusations by creditors that the bankrupt party violated bankruptcy laws to avoid paying creditors what they owe. Purchases of luxury items, running up your credit cards, and taking large cash advances, right before filing can wind up voiding a bankruptcy discharge. Other Grounds For Challenging Bankruptcy Include The Following:Repaying debts to select creditorLying about residency to take the home equity exemptionConcealing assetsMaking false claims about income or eligibilityThe skilled legal guidance you needAn attorney skilled in bankruptcy litigation at Cavada Law can answer all your questions about bankruptcy litigation. The firm has years of experience representing corporations and individuals in all types of Texas bankruptcy proceedings. To schedule a free consultation to discuss your case with us, contact us today.

About Bankruptcy Litigation

Bankruptcy Laws Federal and Texas bankruptcy laws allow debtors to keep certain propertyIn Texas, a debtor has the choice of using either the federal exemption statutes or the Texas exemptions.Under the federal exemptions, as a debtor you can keep the following:Your home, including co-op or mobile home, to $20,200Life insurance payments for the person you depended on, needed for supportLife insurance policy with loan value, in accrued dividends or interest to $10,775Unmatured life insurance contract, except credit insurance policy Alimony, child support needed for supportPensions and retirement benefitsHealth aidsJewelry to $1,350Lost earnings paymentsYour motor vehicle to $3,225Personal injury compensation payments to $20,200, wrongful death payments, crime victims' compensation, public assistance, Social Security, unemployment compensation, and veterans' benefitsTools of trade up to $20,200Wild card - $1,075 of any property plus up to $10,125 of any amount of unused homestead exemptionERISA-qualified benefits needed for support$550 per item in any household goods up to a total of $10,775bankruptcy lawUnder the Texas exemptions, bankruptcy laws allow you generally to keep the following:$30,000 worth of personal property ($60,000 for head of family), including one two-, three- or four-wheeled vehicle; two horses, mules or donkeys and a saddle, blanket and bridle for each; 12 head of cattle; 60 head of other livestock; 120 fowl; pets. Athletic and sporting equipment, home furnishing, family heirlooms; food and clothing; jewelry (but not to exceed 25 per cent of total exemptions); tools of your trade.Your home, if not more than 10 acres in town or 100 acres out of town (200 acres for families)Unemployment, disability, veterans', workers' compensation and Social Security benefitsRetirement plan and life insurance proceedsAlimony and child supportBusiness partnership propertyFarming or ranching vehicles and implementsBurial plotsHealth aidsThe skilled legal guidance you needA lawyer skilled in bankruptcy law at the Cavada Law Firm can answer all your questions about bankruptcy laws in Texas. The firm has years of experience representing corporations and individuals in all types of Texas bankruptcy proceedings. To schedule a free consultation to discuss your case with us, contact us today.

Texas Bankruptcy Laws

How To File Filing for bankruptcy is a difficult decision to make. But sometimes when debt becomes crushing, and you are feeling overwhelmed by your financial future, it becomes clear that bankruptcy filing should be explored.The good news is that usually your credit will be better after filing bankruptcy since you will be out from under the debt that is crushing you. And once you have rid yourself of debt, you should be able to obtain credit quicker than if you still owed many people many thousands of dollars. After your bankruptcy you will be able to rebuild your credit by doing such things as timely paying loans such as your mortgage or car loan.Your best bet in filing bankruptcy in Texas is to contact an attorney with years of experience in bankruptcy proceedings. Your attorney will be able to advise you on the best approach to file bankruptcy.Some of the things you will need to do to file for bankruptcy include the following:You will need to gather paperwork and records about as much of your finances as you canYou will need to utilize a means test that will help you to gauge your bankruptcy optionsYou will need to determine how much of your property is exemptYou will be required to attend mandatory pre-filing credit counselingA bankruptcy attorney can helpAs part of the bankruptcy process you will need to prepare many forms to be filed with local courts in accordance with their rules. A bankruptcy attorney will be able to guide you through the complexities of the filing process and will ensure that you have met all the requirements for filing deadlines and information.A skilled Cavada Law bankruptcy lawyer can answer all your questions about how to file bankruptcy in Texas. The firm has years of experience representing corporations and individuals in all types of Texas bankruptcy proceedings.

How To File Bankruptcy In Texas

IRS Garnishments

Debt Reorganization, Restructuring, and ConsolidationAt the Cavada Law Office, we represent both individuals and small businesses that need assistance with mounting debts. These debts can include child support, medical bills, car loans, mortgage payments, back taxes, and credit cards. For more information about debt consolidation and alternatives to bankruptcy, please see our bankruptcy frequently asked questions page. BankruptcyWe work with our clients in exploring all available options for working through their financial difficulties. For some, declaring bankruptcy may prove the best option. Depending on your financial situation, one type of bankruptcy may be preferable over another. Chapter 7 BankruptcyUnder Chapter 7, also called "straight" bankruptcy, a person or business must sell all non-exempt assets and use the proceeds to repay debts. Any debts not covered by the sale are generally discharged, with some exceptions. In many cases, businesses declaring Chapter 7 bankruptcy cease to operate.Chapter 11 BankruptcyBusinesses typically declare Chapter 11 bankruptcy when they need help reorganizing their business structure. This allows them to remain in operation while they pay their debts in a timely manner. Chapter 11 bankruptcy requires the business and the creditors to implement and comply with a confirmed repayment plan.Chapter 13 BankruptcyChapter 13 bankruptcies are suitable for individuals who are still earning income but need some assistance repaying their debts. Under Chapter 13, the individual adopts a repayment plan whereby the loans are repaid over three to five years. Bill Consolidation LoansConsumer finance companies advertise "bill consolidation loans" as a solution to those having difficulty paying their bills. They purport to combine all of your debts into one loan with one monthly payment, but these companies know that anyone who is looking for a bill consolidation loan is already in financial trouble. This means you will be charged higher interest rates, which can actually cause your debt to increase. If you are considering purchasing a bill consolidation loan, it is important to consult with an experienced attorney who can help you find a better way to consolidate, and ultimately eliminate, your debts.Taxation lawThe tax code is complicated and often difficult to understand. Our lawyers can help you sort through these complex laws, avoid making mistakes, and take advantage of opportunities the code may provide. We handle a variety of taxation cases, including corporate, income, and property (ad valorem) taxes. IRS CollectionsWe understand that dealing with IRS collections is one of the most difficult and stressful experiences many of our clients encounter. Collections services (ACS) can be intimidating. We serve as a buffer between you and the collections representatives. If an ACS representative has threatened you, their action may be illegal, and you should consult with an experienced attorney. We inform you of your legal rights and advocate on your behalf to ensure that your rights are fully protected.ImmigrationThe United States government has recently made immigrating to the United States more difficult, and the laws and federal agencies governing immigration and naturalization are complicated to navigate. At the Cavada Law Office, we understand that the immigration and visa process can be intimidating, and aim to simplify the process. We assist both individuals and businesses with obtaining visas and navigating immigration proceedings. For more information about immigration matters, please see our immigration frequently asked questions page.Seek Experienced Legal RepresentationBy providing superior legal representation in a comforting environment, we can help you through these difficult times. For a free initial consultation with a Corpus Christi bankruptcy lawyer regarding your case, contact the Cavada Law Office today.

Immigration

Immigration

The United States government has recently made immigrating to the United States more difficult, and the laws and federal agencies governing immigration and naturalization are complicated to navigate. At Cavada Law, we understand that the immigration and visa process can be intimidating, and aim to simplify the process. We assist both individuals and businesses with obtaining visas and navigating immigration proceedings. For more information about immigration matters, please see our immigration frequently asked questions page.

Seek Experienced Legal Representation

By providing superior legal representation in a comforting environment, we can help you through these difficult times. For a free initial consultation with a Cavada Law bankruptcy lawyer regarding your case, contact our office Today..!

Practice Areas Bankruptcy ServicesWhether you are an individual or a corporation, if you are thinking of declaring bankruptcy, there is no definitive formula for whether bankruptcy is the right choice. Your best bet in making this decision is to seek out Cavada Law bankruptcy services and advice from an attorney skilled in all aspects of bankruptcy.The attorneys at the Cavada Law, we can provide you with the type of bankruptcy answers that you need to resolve your financial problems. We have years of experience and will guide you through the complex process of filing bankruptcy.Bankruptcy in TexasThe attorneys of the Cavada Law Office offer the following FAQs to assist you in your information gathering about bankruptcy:•Are there any alternatives to filing bankruptcy?•Does a bankruptcy discharge eliminate all debts?•What kind of property do I have to sell in a Chapter 7 bankruptcy proceeding?•How long does declaring bankruptcy stay on my credit report?
Contact Us

Contact Us

Cavada Law

Telephone: 361-814-6500

Fax: 361-814-8618

Viviana_CavadaLaw.com

www.CavadaLaw.com

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