In Texas and most federal courts, the Brunner test is the three-part standard bankruptcy courts use to decide whether repaying covered student loans would cause "undue hardship" under 11 U.S.C. § 523(a)(8). Established in Brunner v. New York State Higher Education Services Corp., 831 F.2d 395 (2d … [Read more...]
Declaring Chapter 13 Bankruptcy: Pros & Cons
Chapter 13 bankruptcy lets Texas wage earners keep their home and car while repaying debts over three to five years through a court-approved plan. The main advantages: asset protection and the automatic stay. The main drawbacks: lengthy commitment, strict budget, and less than half of filers … [Read more...]
Top 8 Bankruptcy Myths That Should Bite The Dust – Once And For All
There is no doubt that declaring bankruptcy is an emotionally difficult step. As a North Texas bankruptcy law firm, we have witnessed time and again how good, hard-working people fall on hard times and get buried under debt they never asked for. A job loss. A medical emergency. A divorce. These … [Read more...]
I Lost My Job—What Happens to Child Support in Texas? A Step‑by‑Step Modification Guide for North Texas Parents
If you lose your job in Texas, your child support does not automatically change. You must keep paying under the current child support order until a judge signs a new one. Act quickly: request a review through the Texas Office of the Attorney General (OAG) or file a modification petition in court. … [Read more...]
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