Most unsecured gambling debt can be discharged in a Texas bankruptcy unless a creditor proves fraud or a Bankruptcy Code presumption applies. Problems usually come from recent cash advances, last-minute charges, or false information on a credit application. The sooner you gather records and assess … [Read more...]
Does Bankruptcy Eliminate All Debt in Texas?
No. Bankruptcy in Texas erases most unsecured debts—credit cards, medical bills, personal loans, and deficiency balances—but priority obligations such as child support, alimony, recent income taxes, most student loans, and court fines survive. Secured liens also remain unless you surrender the … [Read more...]
Vehicle Repossession Laws in Texas: Protecting Your Car, Credit & Peace of Mind
Quick Answer: How can I get my car back after repossession in Texas? If your car is repossessed in Texas, redeem it within 10 days by paying all past-due installments, repossession, and storage fees under Texas Business & Commerce Code §9.609. Demand proof of each repossession and … [Read more...]
Does the Executor of a Will Get Paid in Texas?
Does the executor of a will get paid in Texas? Yes. The payment an executor receives is commonly referred to as an executor fee or executor's compensation under Texas law. Texas law entitles an executor to up to 5 % of the cash they actually receive or pay out while administering the estate—but … [Read more...]
Can I Exclude a Credit Card from Chapter 7 Bankruptcy? Here’s What You Need to Know
If you’ve ever wondered whether you could keep a credit card out of a chapter 7 bankruptcy to preserve your credit line, you’re not alone. Many people facing overwhelming debt hope to keep at least one credit card as a backup. However, can I exclude a credit card from Chapter 7 bankruptcy? The short … [Read more...]
What Documents Do I Need to File for Bankruptcies In Texas?
So you’re getting ready to file for bankruptcy? You’ll need to get specific documents to make the process go smoothly. These include personal identification, financial records, and legal and property documents. This guide covers everything you need to know about “what documents do I need to file for … [Read more...]
Chapter 7 Income Taxes Answers: Maximize Your Tax Refund in Bankruptcy Guide
As a Texas bankruptcy attorney I’ve worked with many people like Alex, a self employed entrepreneur who was drowning in debt. Alex ran a successful online business for years until the market tanked and he was struggling to stay in business. When he came to me for help with filing Chapter 7 … [Read more...]
What to Do if Facing an Ally Bank Lawsuit in Texas
Are you being sued by Ally Bank for debt collection in Texas? Whether you recognize the debt or not, it is normal to feel overwhelmed and stressed by a lawsuit. However, you have legal options available to you to protect yourself from a default judgment and resolve the lawsuit in a favorable way. … [Read more...]
Should I File Bankruptcy Before or After Divorce in Texas?
Should I file bankruptcy before or after divorce in Texas? This question can loom large for those already coping with the emotional toll and financial strain of ending a marriage. In Texas, where divorce follows community property laws, the stakes often feel higher. There isn’t a one-size-fits-all … [Read more...]
How Long Does It Take For Chapter 7 Bankruptcy?
Filing for bankruptcy can feel overwhelming. When you need to file bankruptcy, you’re likely wondering how long does it take for Chapter 7 bankruptcy, especially in Texas. This guide provides clarity on timelines, influencing factors, and the benefits of legal help. Achieving debt relief through … [Read more...]
How Chapter 7 Helps Amid Foreclosure
Foreclosure can be a stressful and overwhelming experience. When you fall behind on mortgage payments, your lender can take legal action to repossess your home. This is the last thing many homeowners want, but it is a reality that many face. Fortunately, there is a way to protect yourself from … [Read more...]
Pros and Cons of Filing Bankruptcy in Texas
In Texas, filing bankruptcy can wipe out many unsecured debts, stop most collection actions, and give you a structured path to rebuild. However, it can harm your credit, risk some non-exempt assets, and will not erase every type of debt. That’s why it’s important to evaluate all the factors … [Read more...]
Bankruptcy Filings in Texas: Hiring the Right Attorney for Your Case
This is a very significant decision. It can provide relief from overwhelming debt and give you a fresh financial start. However, it is also a complex legal process that can be difficult to navigate without professional help. For residents in Texas, hiring the right bankruptcy attorney is essential … [Read more...]
When to Stop Using Credit Cards Before Filing Chapter 7
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...]
Protecting Disability Benefits in Chapter 7 Bankruptcy: A Texas Guide
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...]
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...]
Can a Second Mortgage Be Discharged in Chapter 7?
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...]
Chapter 7 Means Test Calculator Online: A Guide to Financial Relief
As an attorney focused on consumer bankruptcy law, I recently had an encounter with a single mother struggling to make ends meet. Let's call her Sarah for story purposes even though that’s not her real name. Juggling multiple jobs to support her two young children, Sarah found herself drowning in … [Read more...]
What Is the Difference Between Chapter 7 and Chapter 13 Bankruptcy in Texas?
The two most common types of personal bankruptcy are Chapter 7 and Chapter 13. As Texas bankruptcy attorneys, a common question we receive is, "What is the difference between Chapter 7 and Chapter 13 bankruptcy in Texas?" Though both Chapter 7 and Chapter 13 bankruptcy can help you get a fresh … [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...]
