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...]

How Chapter 13 Works When You’re Behind on Car Payments

Restructuring an Automobile Loan in Bankruptcy When you're facing financial challenges and struggling to pay your bills, that often means you're behind in making your car payments. But having reliable transportation is important when you're trying to turn things around—you need to get to and from a job. A Chapter 13 bankruptcy filing can help … [Read more...]

Reestablishing Your Credit After Filing for Bankruptcy Protection

A Bankruptcy Petition Won't Permanently Ruin Your Credit Rating If you're struggling to meet financial obligations because you've lost your job, had unanticipated and unreimbursed medical expenses, or any other reason, American bankruptcy law is there to help. You may be reluctant to exercise your rights for fear of permanently damaging your … [Read more...]

Steps You Can Take to Minimize Your Risk of Bankruptcy

Ways to Avoid Common Financial Pitfalls In many instances, the factors that lead to bankruptcy are unpredictable. You suffer a personal injury or lose your job. There are, however, many common factors that contribute to the need to seek protection from creditors. Here are a few simple measures you can employ to reduce the likelihood that you'll … [Read more...]

Knowing When It’s Time to File for Bankruptcy Protection

The Telltale Signs that You Should Contact an Experienced Bankruptcy Lawyer In our first blog this month, we wrote about overcoming the stigmas associated with bankruptcy. Unfortunately, inaccurate preconceptions about bankruptcy result in many people waiting too long to file and making the situation much worse than it needs to be. If you're … [Read more...]

Talking to Friends and Family After You’ve Filed for Bankruptcy Protection

Overcoming the Stigma Associated with Bankruptcy For many people who opt for protection under American bankruptcy law, the decision whether to file is less about whether it will help them financially and more about how they will be perceived by friends and family. Though U.S. bankruptcy laws exist to give debtors an opportunity for a fresh start, … [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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