Many people turn to social media or dating sites to meet their potential partners due to the convenience these platforms offer. For some, the worst happens when scammers trick them into sending their hard-earned cash. There has been an upsurge of online romance scams over the past few years. A … [Read more...]
Can You Declare Bankruptcy to Escape a Credit Card Lawsuit in Texas?
Facing a lawsuit for unpaid credit card debts is stressful enough to wipe away your peace of mind and disrupt your life. The resulting garnishing of bank accounts and seizing of non-exempt assets can bring your financial life to a standstill or set it in a dooming downward spiral. However, the … [Read more...]
The Ultimate Guide to Bankruptcy in Texas
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...]
Bankruptcy: Does Declaring This Discharge 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...]
Chapter 7 Pros and Cons: Weigh Your Options Carefully
In my role as a bankruptcy attorney here in Texas, I've helped many individuals dig out from under soul crushing debt. Each client brought a unique story and set of circumstances to the table but many of them also shared similar struggles and fears. Please allow me to tell you about Mr. Whirley. … [Read more...]
Getting a Secured Credit Card after Bankruptcy
A secured credit card is a relatively safe and effective tool for establishing credit after filing for bankruptcy. Like anything, there are risks and rewards associated with getting a secured credit card. On the one hand, using a secured credit card can demonstrate responsibility to the credit … [Read more...]
The Brunner Test for Student Loans: What Texas Bankruptcy Law Requires
In Texas and most federal courts, the Brunner test is the three-part standard bankruptcy courts use to decide whether repaying covered student loans would cause "undue hardship" under 11 U.S.C. § 523(a)(8). Established in Brunner v. New York State Higher Education Services Corp., 831 F.2d 395 (2d … [Read more...]
Declaring Chapter 13 Bankruptcy: Pros & Cons
Chapter 13 bankruptcy lets Texas wage earners keep their home and car while repaying debts over three to five years through a court-approved plan. The main advantages: asset protection and the automatic stay. The main drawbacks: lengthy commitment, strict budget, and less than half of filers … [Read more...]
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