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...]

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...]

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...]

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...]

Chapter 13 Reorganization and Real Property Debts

The Best Way to Get Control of Mortgage and Property Tax Obligations For many who seek protection under American bankruptcy law, financial troubles relate largely to ownership of real property. For example, owners may be behind on mortgage payments and property taxes, facing tax liens and potential foreclosure. You can seek to discharge debts in … [Read more...]

Legal Actions Not Affected by a Bankruptcy Filing

The Impact of a Bankruptcy Filing on Other Legal Proceedings When you file a petition under Chapter 7, Chapter 13 or any other part of American bankruptcy law, an automatic stay immediately goes into effect, preventing creditors from filing or proceeding with any legal action to collect the debt except through the bankruptcy process. The automatic … [Read more...]

Knowing When to File for Bankruptcy Protection

Choosing the Appropriate Time Makes a Big Difference The bankruptcy laws were enacted to give people an opportunity for a fresh start. It can happen to anyone—medical bills pile up, you lose your job or go through a divorce. A Chapter 7 or Chapter 13 petition can help get you on the right track. Unfortunately, we typically see that people wait too … [Read more...]

The Texas Bankruptcy Exemptions

Protecting Property from Attachment in a Chapter 7 Filing When you seek protection under the bankruptcy laws, you can choose to permanently discharge debts under Chapter 7 or to reorganize your debt under Chapter 13. With a Chapter 7 filing, you must turn over certain assets to the bankruptcy court to be sold to pay your creditors. But that … [Read more...]

How Soon Can You Re-File for Bankruptcy in Texas?

The Waiting Period for Chapter 7 and Chapter 13 You can go through a bankruptcy proceeding with the best of intentions, pay close attention to your finances and still have difficulty meeting your obligations. Often, it's a health problem that brings you to consider filing for bankruptcy. That's no surprise and no cause for shame—it's the single … [Read more...]

Using Chapter 13 When You Are Facing Foreclosure

Keeping Your Home and Restructuring Mortgage Debt If you've fallen behind in your house payment, to the extent that you've either been threatened with foreclosure, or are involved in foreclosure proceedings, a petition under Chapter 13 of the bankruptcy laws can help you get your mortgage back on track and keep your home. Initially, you'll have … [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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