Your credit affects your ability to buy a home, obtain employment, and even get insurance. And you have a right to ensure that the credit reporting agencies report accurate information about you and protect your privacy. The federal Fair Credit Reporting Act (FCRA) was enacted to protect those rights. Credit reporting agencies are regulated under … [Read more...]
What-Is-Required-In-A-Bankruptcy-341-Meeting
February 13, 2012 by Leave a Comment
In a consumer bankruptcy filing, whether a Chapter 7 or a Chapter 13, one of the first things that happens is a creditors meeting. Often referred to as the 341 meeting, this is when you and the bankruptcy trustee meet with your creditors. Generally, the 341 meeting occurs three to six weeks after your initial filing. The meeting is usually … [Read more...]
What-You-Can-keep-In-A-Texas-Bankruptcy
January 10, 2012 by Leave a Comment
When considering bankruptcy you are understandably concerned with what property you may keep. By understanding what exemptions are available to you in a bankruptcy it can help you take the necessary steps to resolve your financial situation. In Texas, federal and state exemptions are available to bankruptcy filers. On certain exemptions there are … [Read more...]
Garland-Consumer-Bankruptcy-Lawyers
December 7, 2011 by Leave a Comment
Although you aren’t required to hire a Texas bankruptcy lawyer to file for bankruptcy it is a good idea to consult with an experienced lawyer to better understand your situation. While there are countless books and websites that that offer advice on how to handle a bankruptcy by yourself, neither books nor websites can evaluate your set of … [Read more...]
How-You-Can-Benefit-From-A-Chapter-13-Bankruptcy-Filing/
November 3, 2011 by Leave a Comment
If you live in or around Rockwall, Texas, and you are struggling to make ends meet, a Chapter 13 bankruptcy filing can get you the fresh financial start you need. Not only will a bankruptcy filing put an immediate end to the harassing phone calls, letters and other efforts by creditors and bill collectors, but it can give you the time you need to … [Read more...]
Consumer-Vs-Commercial-Bankruptcy
October 4, 2011 by Leave a Comment
If you own or operate a business, and you are struggling to pay your bills, you may be considering a personal or business bankruptcy petition. You may be uncertain of the options available to you, and whether your interests will best be served by a consumer or commercial bankruptcy. This blog post identifies the different options in personal and … [Read more...]
can-You-Keep-Your-Property-When-Filing-For-Bankruptcy-Protection
July 25, 2011 by Leave a Comment
If you are struggling to pay your bills, you may have considered personal bankruptcy as a way to stop creditor harassment and get a fresh financial start. You may worry, though, that you will put all your assets at risk, that you may lose all the property you worked so hard to obtain. This blog post addresses how the consumer bankruptcy laws affect … [Read more...]
