Proceedings Not Affected by the Automatic Stay

Legal Matters that Won't Be Suspended When You File for Bankruptcy If you've been considering filing for protection under the bankruptcy laws to help you deal with unmanageable debt, one of the factors that may have attracted you is the automatic stay that goes into effect immediately upon filing for bankruptcy. The automatic stay prevents your … [Read more...]

When Friends or Family Ask About Your Bankruptcy Filing

Helping Them Understand That You've Made a Good Decision When wrestling with unmanageable debt, whether because of a job loss, medical bills, or divorce, one thing that might hold you back from getting bankruptcy protection is the fear of how friends and family will respond. You may worry that you'll let them down or that they'll think less of … [Read more...]

Texas State Exemptions in a Bankruptcy Filing

The Property You Can Keep When You File for Chapter 7 in Texas When you seek to permanently discharge debts in a Chapter 7 bankruptcy petition, part of the deal is that you must turn over to the bankruptcy court certain property that can be sold to satisfy your creditors. You do, however, get to keep some property that is exempt. Federal law has … [Read more...]

Can Anybody File for Protection Under Chapter 13?

Are There Conditions You Must Meet to Qualify? If you've thought about personal bankruptcy filing as a way to get a fresh start, you may know that you must meet certain qualifications in order to file for permanent debt discharge under Chapter 7. A "means test" is used to determine whether you meet the requirements. There's a general perception … [Read more...]

Avoid These Common Mistakes When Taking the Chapter 7 Means Test

Let an Experienced Bankruptcy Attorney Guide You Through the Process Under American bankruptcy law, individuals must submit to a "means test" to determine eligibility for the permanent discharge of debt under Chapter 7. The means test establishes whether you have the resources to repay your creditors over a three-to-five-year period. If you do, … [Read more...]

The Means Test in Chapter 7 Bankruptcy Filings

How the Court Determines Whether You Qualify for Permanent Discharge Under American bankruptcy law, you can seek to permanently discharge personal debt under Chapter 7 or else file for Chapter 13 "debtor's reorganization," in which you work with creditors to negotiate arrangements to pay your financial obligations over a three-to-five-year period. … [Read more...]

Consumer Bankruptcy—An Introduction

Understanding Your Options and What You Can Accomplish If you've lost your job because of the COVID-19 crisis, you may already be feeling the financial crunch. Unfortunately, for many, it appears that those jobs won't be coming back soon. As your financial challenges mount, you might consider personal bankruptcy as a tool for getting a fresh … [Read more...]

Take Action Now to Get Protection Under the Bankruptcy Law

The Sooner You File, the Better If you're like many Americans, you're struggling financially right now as the COVID-19 pandemic persists. You may be one of the more than 20 million who've lost their job, with the prospects of getting another one any time soon looking slim. Your savings are gone, and you're getting behind on car and mortgage … [Read more...]

What to Expect (and Not to Expect) from a Chapter 7 Bankruptcy Filing

What Chapter 7 Can and Cannot Do for You If you're struggling to meet your financial obligations, chances are good that you've considered filing for Chapter 7 bankruptcy protection. It's important to understand, though, that bankruptcy won't solve all your problems and that there will be consequences. Before you decide to file, you want to know … [Read more...]

Must You Include Your Spouse in Your Bankruptcy Filing?

Can One Spouse File Independently of the Other? If you're married and facing financial challenges, you may wonder whether you have to include your spouse as a party in the event you decide to file for bankruptcy. What if your spouse owned a house with a mortgage on it at the time of your marriage and never re-titled the property to include you? … [Read more...]

Call Rockwall bankruptcy lawyer Carrie Weir at 972-772-3083 or fill out the contact from below for a free, confidential consultation to discuss your options.

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Consumer Bankruptcy

Can I keep my car? Will bankruptcy stop a foreclosure? Will I ever be debt-free again? How will I ever pay these medical bills?

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Chapter 7 Bankruptcy

If you want to stop creditor harassment, eliminate repossession debt, stop garnishments and keep your house, and car, a Chapter 7 bankruptcy could help.

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Chapter 13 Bankruptcy

Are you in jeopardy of losing your house? Are you making good money but everyone is asking for payment right now? Do you want or need to stop collections?

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