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 … [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...]
If I file for Chapter 7 Bankruptcy, could I lose my house?
Filing for bankruptcy can be a significant and complex decision, impacting various aspects of your financial life, including your home. Many people wonder if they could lose their house when they contemplate filing for bankruptcy. As an attorney specializing in bankruptcy law at Warren & … [Read more...]
What Does a Chapter 7 Discharge Mean for Your Finances?
When facing overwhelming debt, Chapter 7 bankruptcy can feel like a lifeline. But before taking this important step, you may have a burning question: What does a Chapter 7 discharge mean? In essence, it's the court's official declaration that you're no longer legally obligated to repay certain debts … [Read more...]
How Much Debt Do I Have to Repay When I File for Chapter 13 Bankruptcy?
When you're facing overwhelming debt, the prospect of filing for bankruptcy can seem like a daunting decision. However, understanding how Chapter 13 bankruptcy works—and how much debt you'll actually have to repay—can provide some clarity and relief. As an attorney with years of experience guiding … [Read more...]
Understanding Chapter 11 Bankruptcy in Texas
Chapter 11 bankruptcy is a process that offers businesses a structured framework to reorganize their financial affairs and emerge as viable entities. At Warren & Migliaccio, we only handle personal bankruptcy cases, like Chapter 7 and Chapter 13, but we have prepared this blog to explain the … [Read more...]
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