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...]
What is the Income Cut Off for Chapter 7
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...]
Chapter 7 Income Taxes Answers: Maximize Your Tax Refund in Bankruptcy Guide
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...]
What Documents Do I Need to File for Bankruptcies In Texas?
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...]
Should I Get a Home Loan Modification?
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...]
Understanding Property Exemptions in Bankruptcy
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...]
Separated and Husband Filed Chapter 7: What’s Next?
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...]
Joint Bankruptcy Filing for Married Couples
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...]
How Bankruptcy Stops Creditors: A Guide to Automatic Stay
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...]
How Much Debt Do You Need to File Chapter 7 Bankruptcy?
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...]
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