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You are here: Home / Archives for Bankruptcy

How to Find Out if You Owe Money to a Debt Collector

July 21, 2024
Written by Christopher Migliaccio | Last updated on June 24, 2025

upset man talking on mobile phone because he owes money to a debt collector

Debt can be a confusing and overwhelming issue, especially when you're not sure if you owe money to a debt collector. If you're receiving mysterious phone calls, letters, or emails, or you're simply concerned about potential debts, it's important to take proactive steps to find out if you owe money … [Read more...]

Categories: Bankruptcy, Debt Lawsuits

12 Non-Dischargeable Debts in Bankruptcy You Need to Know

June 18, 2024
Written by Christopher Migliaccio | Last updated on June 24, 2025

A person typing on a laptop with a screen displaying the text "Can Filing for Bankruptcy Help?.

As a bankruptcy attorney here in Dallas, I often get emails like the one I got from Dennis with a subject line: "Can Filing for Bankruptcy Help?" Dennis's Story Dennis and his wife had lived comfortably for many years until a medical emergency wiped out their savings. Then a downturn in the … [Read more...]

Categories: Bankruptcy Tagged: Bankruptcy Tag

How Discharged Debts in Bankruptcy Appear on Your Credit Report

October 11, 2024
Written by Christopher Migliaccio | Last updated on June 24, 2025

man-going-through-paperwork

By Christopher Migliaccio, Attorney and Co-Founder of Warren & Migliaccio, L.L.P. Navigating the aftermath of bankruptcy can be daunting. Understanding how discharged debts appear on your credit report is crucial for your financial future. In this blog, I will explain the key aspects of how … [Read more...]

Categories: Bankruptcy Tagged: Bankruptcy Tag, credit report, discharged debts

Bankruptcy: Does Declaring This Discharge Credit Card Debt in Texas?

June 30, 2021
Written by Christopher Migliaccio | Last updated on June 24, 2025

Credit Card Debt in Texas

For consumers who are looking for debt relief, filing for bankruptcy could be the best way to discharge credit card debt and start over with a clean slate. When considering filing for bankruptcy, consumers should decide which type to file based on their specific situation. This article looks at the … [Read more...]

Categories: Bankruptcy Tagged: Bankruptcy Tag, Credit Card Debt in Texas

Are Student Loans Forgiven When You File for Bankruptcy?

August 18, 2024
Written by Christopher Migliaccio | Last updated on June 24, 2025

college graduates throwing their caps into the air who now have to deal with student loans

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 … [Read more...]

Categories: Bankruptcy

What to Do When a Creditor Freezes Your Bank Account

August 20, 2024
Written by Christopher Migliaccio | Last updated on June 24, 2025

Frozen person trying to use their debit card at the atm.

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...]

Categories: Bankruptcy, Debt Relief

Can You File Bankruptcy on a Judgment?

October 22, 2023
Written by Christopher Migliaccio | Last updated on June 24, 2025

Person on the right writing on a paper and person on the left is sitting next to a judges mallet and the scale of justice with their hands crossed

If you’re located in North Texas and find yourself facing a judgment, we understand the stress and financial burden it can bring. That’s why we aim to provide you with all the information you need to know about how you can handle the situation. To better comprehend the process, we will explain how … [Read more...]

Categories: Bankruptcy

How to Improve Your Credit After Bankruptcy

August 28, 2024
Written by Christopher Migliaccio | Last updated on June 24, 2025

Cellphone app showing an 800 credit score

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...]

Categories: Bankruptcy

Which debts are not forgiven when you file for bankruptcy?

August 19, 2024
Written by Christopher Migliaccio | Last updated on June 24, 2025

graphic showing a man drowning in debt with a chart behind him showing his money going down to zero

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...]

Categories: Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Debt Relief

Can a Second Mortgage Be Discharged in Chapter 7?

July 25, 2024
Written by Christopher Migliaccio | Last updated on June 24, 2025

Illustration of a person with a laptop and a thoughtful expression, accompanied by the text "SECOND MORTGAGE?" and a numbered list from 1 to 3—navigating the complexities even after Chapter 7 discharge.

As an attorney with extensive experience in bankruptcy law here in Texas, I encounter clients facing all sorts of complex financial challenges. I remember the first call I received from a new client named Hank, a Texan grappling with how to manage the second mortgage on his home that he just … [Read more...]

Categories: Bankruptcy, Chapter 7 Bankruptcy Tagged: 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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