Many Texans who begin a Chapter 13 repayment plan have every intention of completing it. Yet life doesn’t always cooperate. A sudden job loss, medical crisis, or family emergency can make monthly payments impossible. What few debtors realize is that federal law provides a narrow but powerful option called a Chapter 13 hardship discharge, which is … [Read more...]
Bankruptcy Myths in Texas That May Be Holding You Back
October 27, 2025 by
Many Texans avoid bankruptcy because of fear and misinformation. Too often, myths spread by friends, creditors, or outdated sources keep people from exploring real solutions. The reality is that bankruptcy is not a sign of failure—it is a legal tool designed to provide relief and restore financial stability. By addressing the most common … [Read more...]
Chapter 7 vs. Chapter 13 in Texas: Choosing the Right Path
October 14, 2025 by
For many Texans, overwhelming debt creates difficult choices about how to regain financial stability. U.S. bankruptcy law provides two options to persons struggling with unmanageable debt: liquidation under Chapter 7 or reorganization under Chapter 13. Each path offers a different approach—one focused on the discharge of debt and the other on … [Read more...]
Stopping Foreclosure: Legal Strategies to Keep Your Home
August 28, 2025 by
Foreclosure can have emotional, financial, and legal consequences. The fear of losing your home is real, but it's essential to know that homeowners in Texas have legal protections and options to fight back. Whether you're simply behind on your mortgage payments, have received a notice of default, or are already a party to a foreclosure action, you … [Read more...]
Personal Bankruptcy Lawyer: Protect Your Future Today
August 26, 2025 by
Overwhelming debt can take a serious toll—emotionally, financially, and even physically. If you’re facing relentless creditor calls, or the threat of foreclosure, or you’re regularly missing payments to creditors, know this: filing for bankruptcy is not a sign of personal failure. It’s a legal right designed to help you get a fresh start. At the … [Read more...]
Can Chapter 13 Bankruptcy Stop a Home Foreclosure?
August 13, 2025 by
Facing Foreclosure? Chapter 13 May Be the Solution Losing a home to foreclosure can be one of the most stressful experiences a homeowner faces. If you've fallen behind on mortgage payments and received a foreclosure notice, you may feel like you are out of options. But you’re not. Chapter 13 bankruptcy can be a powerful legal tool to … [Read more...]
Common Reasons for Filing for Bankruptcy Protection in Texas
July 16, 2025 by
What Factors Most Often Lead to Bankruptcy? What Are the Potential Benefits of Seeking Protection in Bankruptcy? Most of us struggle financially at one time or another. We may be the victim of downsizing at work, or we may suffer an injury or illness that keeps us from being gainfully employed. We may go through a divorce or let credit card debt … [Read more...]
How a Texas Bankruptcy Can Help You Keep Your Car
June 30, 2025 by
How To Use Bankruptcy To Avoid Repossession You've lost your job or suffered a serious injury or illness, and it's put you in financial distress. You may have fallen behind on your auto payments, with your lender threatening to take back your vehicle. How can you use the bankruptcy process to avoid repossession of your car, truck, or … [Read more...]
The Impact of Bankruptcy on Credit Card Debt
June 4, 2025 by
Can Credit Card Debt Be Permanently Discharged? Do You Have To Return Goods Purchased? One of the most common causes of personal bankruptcy is unmanageable credit card debt. Can you permanently discharge credit card debt in a Chapter 7 bankruptcy petition? Are there ever circumstances where you must return the merchandise purchased with the credit … [Read more...]
