Debt reduction plans advertised on billboards and mailed flyers can sound like a magic solution to overwhelming financial burdens. They promise freedom from debt, often with little effort on your part. But before diving into such a plan, a cautious approach is essential. In this blog we will … [Read more...]
How To Defend Against A Debt Collection Lawsuit
Being sued by a debt collector can be a stressful and overwhelming experience. Understanding your rights and taking proactive steps is crucial to protect your financial well-being. This guide provides essential information on handling debt collection lawsuits in Texas. Understanding the Lawsuit … [Read more...]
Understanding Chapter 11 Bankruptcy in Texas
Chapter 11 bankruptcy is a process that offers businesses a structured framework to reorganize their financial affairs and emerge as viable entities. At Warren & Migliaccio, we only handle personal bankruptcy cases, like Chapter 7 and Chapter 13, but we have prepared this blog to explain the … [Read more...]
When Does Trying to Collect a Debt Become a Crime?
Debt collection is a legitimate activity that allows creditors to recover money owed to them, but there are strict legal boundaries that debt collectors must follow. When these boundaries are crossed, particularly in Texas, the act of trying to collect a debt can shift from being lawful to criminal. … [Read more...]
How Does Filing for Bankruptcy Affect Your Credit Score?
Filing for bankruptcy is a significant financial decision, one that comes with both immediate relief and long-term consequences, particularly concerning your credit score. As an attorney who has guided thousands of clients through Chapter 7 and Chapter 13 bankruptcies, I understand the anxiety and … [Read more...]
Is Chapter 13 Bankruptcy Different in Different States? (Is it a Federal or State Court Action?)
When considering Chapter 13 bankruptcy, many people wonder whether the process varies from state to state. Is it influenced by federal regulations, or do state laws play a role? Understanding how Chapter 13 bankruptcy operates can clarify these questions and help you make informed … [Read more...]
Understanding the Texas Tax Audit Process
While the IRS receives the most attention regarding tax audits, it's crucial to remember that the Texas Comptroller of Public Accounts also conducts audits to ensure compliance with state tax laws. This blog will dive into the Texas tax audit process, including common triggers, the audit timeline, … [Read more...]
Protecting Adopted Children from Identity Theft
Identity theft is a serious crime that can have devastating consequences for victims of all ages. However, adopted children are at an increased risk due to the nature of the adoption process and the potential exposure of their personal information. This blog post, written by Christopher … [Read more...]
Everything You Need to Know About Debt Lawsuits in Texas
If you've been sued by a debt collector in Texas, you’re not alone. Thousands of Texans face debt lawsuits every year, and navigating this legal minefield can be overwhelming. As an attorney with years of experience handling debt lawsuits, I've represented countless clients in similar situations. In … [Read more...]
How To Choose the Right Attorney
Selecting legal counsel is a critical decision that can significantly impact the outcome of a legal matter. This guide will delve into the essential factors to consider when choosing the right attorney in Texas. Understanding Your Legal Needs Before initiating your attorney search, clearly … [Read more...]
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