Recovering from bankruptcy involves more than just eliminating debt. Rebuilding your credit is a crucial step in your financial recovery. A strong credit score opens doors to better financing options, lower insurance rates, and more. Let’s explore effective strategies for improving your credit after … [Read more...]
Can You Appeal If a Bankruptcy Ruling Is Unfair?
Bankruptcy can be a complex process, and it’s not uncommon to feel that a ruling made by the court is unfair. But when you know a bankruptcy decision was legally unjust or incorrect, it is in your best interests to file an appeal. So, understanding the appeal process can provide clarity and help you … [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...]
What to Do When a Creditor Freezes Your Bank Account
Few things are as alarming as discovering that a creditor has frozen your bank account. This situation can feel overwhelming and distressing, especially if your funds are needed for essential expenses. But understanding the process and knowing your options can make a significant difference in … [Read more...]
Which debts are not forgiven when you file for bankruptcy?
This blog was written by Christopher Migliaccio, co-founder of Warren & Migliaccio, L.L.P. Chris is a recognized expert in bankruptcy law and has represented thousands of clients through the bankruptcy process. In this article Chris will reveal what debts are not forgiven when you file for … [Read more...]
Are Student Loans Forgiven When You File for Bankruptcy?
Update (November 8, 2024): Just yesterday on November 7, 2024 The New York Times reports "Judge Halts Biden Student Debt Plan Right After It Was Allowed to Proceed". A federal judge in Missouri temporarily blocked a Biden administration plan to cancel student debt less than a day after another … [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 7 Bankruptcy Different From State To State?
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...]
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...]
When Will Chapter 7 Be Discharged: Timeline & Process Explained
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...]
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