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You are here: Home / Archives for Bankruptcy

When to Stop Using Credit Cards Before Filing Chapter 7

October 9, 2024
Written by Christopher Migliaccio | Last updated on July 3, 2025

Two credit cards with a gavel next to them

As a local bankruptcy lawyer here in Texas, clients often call me with questions about the Chapter 7 filing process. But sometimes, they call me eager to share their own ideas as well. Pete was one of them. “Hi Chris,” Pete began, excited. “I know we might file for bankruptcy next month if … [Read more...]

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

Do I Have to Go to Court for Chapter 7? Key Insights

September 18, 2024
Written by Christopher Migliaccio | Last updated on July 3, 2025

Chapter 7 Bankruptcy hearing paperwork with a gavel sitting on top of it

Sarah let out a frustrated sigh as she read the email. "Well, it's official — my 341 meeting with the bankruptcy trustee is scheduled for next week." "Oh man, do you have to actually go to the courthouse for that?" Emily asked with a concerned look. Sarah shook her head. "Thankfully, no. Since … [Read more...]

Categories: Bankruptcy Tagged: Bankruptcy Tag

Protecting Disability Benefits in Chapter 7 Bankruptcy: A Texas Guide

September 27, 2024
Written by Christopher Migliaccio | Last updated on July 3, 2025

Sign that says "Disability Insurance" next to a pile of $100 bills and a stethoscope

Have you ever found yourself in the midst of a financial storm, hoping and praying for a life raft? Yes, we’re talking about the perfect storm–bankruptcy. Going through a bankruptcy might feel like you’re stranded in open seas amidst a never-ending storm that threatens to put you—and all your … [Read more...]

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

Can I Get a HELOC After Chapter 7 Discharge?

September 7, 2024
Written by Christopher Migliaccio | Last updated on July 3, 2025

Miniature house and keys sitting on top of a pile of money

As a bankruptcy attorney here in Texas, it’s common for my clients to reach out to me soon after the dust has settled from their Chapter 7 bankruptcy cases. One afternoon, I received a call from Leon, a client I represented in his Chapter 7 bankruptcy case just six months earlier. “Hey, Chris,” … [Read more...]

Categories: Bankruptcy Tagged: Bankruptcy Tag

Bankruptcy Social Stigma is Changing

June 26, 2013
Written by Christopher Migliaccio Leave a Comment | Last updated on July 3, 2025

Multiple people with their hands in a pile

Many people know that bankruptcy is most likely their best option but avoid filing a petition because they fear the social stigma. However, the perception of bankruptcy is changing. Many people can relate to difficult life events and are taking a much less reproachful view on filing for Texas … [Read more...]

Categories: Bankruptcy Tagged: Bankruptcy Tag

5 Signs That Bankruptcy May Be Warranted

October 12, 2014
Written by Christopher Migliaccio | Last updated on July 3, 2025

Notebook that says, "The TIME is NOW" with a cup of coffee next to it

Your debts have been growing for some time and you’ve been fighting the good fight in an effort to keep up with them. How do you decide when it’s time to seek relief under federal bankruptcy protection? Here are five signs that bankruptcy might be a wise option. You’re using credit cards to … [Read more...]

Categories: Bankruptcy

Is Chapter 7 Bankruptcy Different From State To State?

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

The globe with the USA highlighted like an American flag

Chapter 7 bankruptcy offers a way to discharge most of your debts quickly. However, you might wonder if Chapter 7 bankruptcy differs from state to state. Understanding these differences can help you determine the best path for your financial situation. Let’s explore how Chapter 7 varies by state and … [Read more...]

Categories: Bankruptcy, Chapter 7 Bankruptcy

Understanding Common Debt Resolution and Bankruptcy Terminology

May 30, 2013
Written by Christopher Migliaccio Leave a Comment | Last updated on July 3, 2025

Man with his hand up to his face thinking in front of an orange background

If you’re in financial trouble and seeking information on resolving your debts, you’ll likely run into quite a few terms that may be unfamiliar to you. Some of these terms can seem very similar to each other and one may get confused as to what they actually mean.  A Few Common Debt Resolution and … [Read more...]

Categories: Bankruptcy Tagged: Bankruptcy Tag

The Ultimate Guide to Bankruptcy in Texas

December 4, 2021
Written by Christopher Migliaccio | Last updated on July 3, 2025

Animated image of a man rolling a ball with "$" on it up an incline

If debt is overwhelming you and you are looking for a debt relief solution, filing bankruptcy might be right for you. Bankruptcy gives you a fresh financial start and allows you to resolve your debt in an efficient manner. The bankruptcy attorneys at Warren & Migliaccio can help guide you … [Read more...]

Categories: Bankruptcy Tagged: Bankruptcy in Texas, Bankruptcy Tag

Bankruptcy: 4 Basic Steps

January 31, 2018
Written by Christopher Migliaccio Leave a Comment | Last updated on July 3, 2025

Sign that says, "A Fresh Start Just Ahead"

Whether you file for protection under Chapter 7 or Chapter 13, the bankruptcy process includes four steps: Preparation Filing 341 Meeting Discharge 1. Preparation Your attorney will tell you precisely what information and documentation you must prepare before he can initiate your … [Read more...]

Categories: 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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