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You are here: Home / Archives for Bankruptcy

When Will Chapter 7 Be Discharged: Timeline & Process Explained

August 12, 2024
Written by Christopher Migliaccio | Last updated on July 3, 2025

Man in a cowboy hat and plaid shirt, sitting in a black car, says through a speech bubble: "4 to 6 months, I can handle that. Let's file!.

As an attorney focusing on bankruptcy law here in Texas, receiving calls from people who are feeling significant financial stress is a common occurrence. Jerry was a hardworking Texan who found himself drowning in debt after a series of unfortunate events. He called me to ask how long a Chapter 7 … [Read more...]

Categories: Bankruptcy

What is the Income Cut Off for Chapter 7

August 31, 2024
Written by Christopher Migliaccio | Last updated on July 3, 2025

Federal court with a Texas flag, calculator, and star

Overwhelmed with debts? Financial stress can get extremely challenging. But there is a legal process to save you from all the struggle! Filing for Chapter 7 bankruptcy is one of the most common options to wipe off all your unsecured debts, including your personal debt, medical expenses, and … [Read more...]

Categories: Bankruptcy Tagged: Bankruptcy Tag

Chapter 7 Income Taxes Answers: Maximize Your Tax Refund in Bankruptcy Guide

February 1, 2025
Written by Christopher Migliaccio | Last updated on July 3, 2025

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As a Texas bankruptcy attorney I’ve worked with many people like Alex, a self employed entrepreneur who was drowning in debt. Alex ran a successful online business for years until the market tanked and he was struggling to stay in business. When he came to me for help with filing Chapter 7 … [Read more...]

Categories: Bankruptcy Tagged: Bankruptcy Tag, Chapter 7 Bankruptcy

What Documents Do I Need to File for Bankruptcies In Texas?

March 26, 2025
Written by Christopher Migliaccio | Last updated on July 3, 2025

Paper that says "Petition to file for Bankruptcy" with a gavel sitting on it

So you’re getting ready to file for bankruptcy? You’ll need to get specific documents to make the process go smoothly. These include personal identification, financial records, and legal and property documents. This guide covers everything you need to know about “what documents do I need to file for … [Read more...]

Categories: Bankruptcy Tagged: Bankruptcy Tag, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, debt

Should I Get a Home Loan Modification?

July 22, 2022
Written by Christopher Migliaccio | Last updated on July 3, 2025

Woman sitting on couch smiling with her arms around her knee

Since March 2020, millions of homeowners applied for and received forbearance on their mortgage. However, this relief has expired, along with lenders’ patience. Now, thousands of dollars that were not paid during the pandemic are now due to mortgage service providers. Home loan modification is the … [Read more...]

Categories: Bankruptcy Tagged: home loan modification

Understanding Property Exemptions in Bankruptcy

April 10, 2013
Written by Christopher Migliaccio Leave a Comment | Last updated on July 3, 2025

Key in a door with a house keychain attached

When you’re facing bankruptcy in Texas, you may wonder how much – if any – of your property you may be able to keep. The answer depends on your individual case and the laws of your state. In a bankruptcy, much of a person’s property may become property of the bankruptcy estate and used to pay off … [Read more...]

Categories: Bankruptcy Tagged: Bankruptcy Tag

Separated and Husband Filed Chapter 7: What’s Next?

September 19, 2024
Written by Christopher Migliaccio | Last updated on July 3, 2025

Woman holding an image of an animated family in a house, ripped in half

As an attorney specializing in both family law and bankruptcy, I often encounter cases where financial issues intersect with marital problems. Elise had already let me know she was separated from her husband and might need representation if they were to decide to formally get divorced. Then an even … [Read more...]

Categories: Bankruptcy Tagged: Bankruptcy Tag

Joint Bankruptcy Filing for Married Couples

June 7, 2013
Written by Christopher Migliaccio Leave a Comment | Last updated on July 3, 2025

Close up of a man and woman's hands with wedding rings

Married couples must decide between joint filing or separate filing when determining which is the right choice for them when filing bankruptcy in Texas. Bankruptcy is a complicated process and it involves many different rules and laws. These laws should be reviewed with a Plano bankruptcy attorney … [Read more...]

Categories: Bankruptcy Tagged: Bankruptcy Tag

How Bankruptcy Stops Creditors: A Guide to Automatic Stay

September 14, 2024
Written by Christopher Migliaccio | Last updated on July 3, 2025

Bankruptcy Law book on a desk with a gavel sitting on top

Dealing with aggressive creditors can feel overwhelming, especially if you're facing mounting debt. You might be considering bankruptcy as a way out, but how exactly does it provide relief from relentless collection efforts? This is where understanding how bankruptcy stops creditors can provide some … [Read more...]

Categories: Bankruptcy Tagged: Bankruptcy stay

How Much Debt Do You Need to File Chapter 7 Bankruptcy?

August 12, 2024
Written by Christopher Migliaccio | Last updated on July 3, 2025

Sandstone 'BANK' sign breaking up with cracks

Bankruptcy is a major financial decision that can provide relief from overwhelming debt. But it's not a choice to make lightly. Knowing the right time to file for bankruptcy is important. This helps ensure it works as intended and doesn't cause more problems.  At Warren & Migliaccio, we … [Read more...]

Categories: Bankruptcy, Chapter 7 Bankruptcy Tagged: Bankruptcy Tag, Chapter 7 Bankruptcy

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Christopher Migliaccio, attorney in Dallas, Texas
About the Author

Christopher Migliaccio is an attorney and a Co-Founding Partner of the law firm of Warren & Migliaccio, L.L.P. Chris is a native of New Jersey and landed in Texas after graduating from the Thomas M. Cooley School of Law in Lansing, Michigan. Chris has experience with personal bankruptcy, estate planning, family law, divorce, child custody, debt relief lawsuits, and personal injury. If you have any questions about this article, you can contact Chris by clicking here.

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