Facing a repossession notice on your car or truck can feel like losing control, especially when collectors, deficiency balances, and long-term credit damage are on the line. Understanding how voluntary repossession in Texas fits into types of bankruptcies in Texas, such as Chapter 7 and Chapter 13, … [Read more...]
How Much Does a Lawyer Charge for Chapter 7 in Texas?
Bills pile up, calls from collectors keep coming, and you're unsure which step will alleviate the stress. Among the types of bankruptcies in Texas, Chapter 7 often offers a clear path to wipe out unsecured debt, but people quickly ask about cost and eligibility. Wondering how much a lawyer charges … [Read more...]
Does Bankruptcy Eliminate All Debt in Texas?
No. Bankruptcy in Texas erases most unsecured debts—credit cards, medical bills, personal loans, and deficiency balances—but priority obligations such as child support, alimony, recent income taxes, most student loans, and court fines survive. Secured liens also remain unless you surrender the … [Read more...]
Vehicle Repossession Laws in Texas: Protecting Your Car, Credit & Peace of Mind
Quick Answer: How can I get my car back after repossession in Texas? If your car is repossessed in Texas, redeem it within 10 days by paying all past-due installments, repossession, and storage fees under Texas Business & Commerce Code §9.609. Demand proof of each repossession and … [Read more...]
Are Personal Injury Judgment Dischargeable in Bankruptcy?
Dealing with a personal injury judgment is challenging, whether you’re the injured person or the one facing the judgment. If you’re injured, you count on that money judgment to cover large medical bills, lost wages, and pain. If you’re the one who owes the judgment, it may feel overwhelming and … [Read more...]
Can I Exclude a Credit Card from Chapter 7 Bankruptcy? Here’s What You Need to Know
If you’ve ever wondered whether you could keep a credit card out of a chapter 7 bankruptcy to preserve your credit line, you’re not alone. Many people facing overwhelming debt hope to keep at least one credit card as a backup. However, can I exclude a credit card from Chapter 7 bankruptcy? The short … [Read more...]
What Documents Do I Need to File for Bankruptcies In Texas?
So you’re getting ready to file for bankruptcy? You’ll need to get specific documents to make the process go smoothly. These include personal identification, financial records, and legal and property documents. This guide covers everything you need to know about “what documents do I need to file for … [Read more...]
Chapter 7 Income Taxes Answers: Maximize Your Tax Refund in Bankruptcy Guide
As a Texas bankruptcy attorney I’ve worked with many people like Alex, a self employed entrepreneur who was drowning in debt. Alex ran a successful online business for years until the market tanked and he was struggling to stay in business. When he came to me for help with filing Chapter 7 … [Read more...]
Should I File Bankruptcy Before or After Divorce in Texas?
Should I file bankruptcy before or after divorce in Texas? This question can loom large for those already coping with the emotional toll and financial strain of ending a marriage. In Texas, where divorce follows community property laws, the stakes often feel higher. There isn’t a one-size-fits-all … [Read more...]
Understanding the Most Common Reason for Bankruptcies
Facing financial hardship is stressful. Figuring out how to deal with overwhelming debt can feel isolating. It’s important to know you’re not alone, and many people file bankruptcy each year. This article explores the most common reason for bankruptcies in the United States, providing insight, … [Read more...]
Bankruptcy and Bank Accounts
When considering filing for bankruptcy, many people have questions about how the process affects their financial assets, especially their bank accounts. Whether you’re filing for Chapter 7 or Chapter 13 bankruptcy, understanding the impact on your bank accounts is crucial. In this blog, we will … [Read more...]
Co-Debtors: What it means in a Bankruptcy
When you file for bankruptcy, certain legal terms can become confusing, especially when it comes to shared debts. One such term is “co-debtor.” This anyone who shares responsibility for a debt with you. Understanding how co-debtors are treated in bankruptcy is crucial for anyone considering debt … [Read more...]
Pros and Cons of Filing Bankruptcy in Texas
In Texas, filing bankruptcy can wipe out many unsecured debts, stop most collection actions, and give you a structured path to rebuild. However, it can harm your credit, risk some non-exempt assets, and will not erase every type of debt. That’s why it’s important to evaluate all the factors … [Read more...]
Bankruptcy Filings in Texas: Hiring the Right Attorney for Your Case
This is a very significant decision. It can provide relief from overwhelming debt and give you a fresh financial start. However, it is also a complex legal process that can be difficult to navigate without professional help. For residents in Texas, hiring the right bankruptcy attorney is essential … [Read more...]
How Discharged Debts in Bankruptcy Appear on Your Credit Report
By Christopher Migliaccio, Attorney and Co-Founder of Warren & Migliaccio, L.L.P. Navigating the aftermath of bankruptcy can be daunting. Understanding how discharged debts appear on your credit report is crucial for your financial future. In this blog, I will explain the key aspects of how … [Read more...]
When to Stop Using Credit Cards Before Filing Chapter 7
As a local bankruptcy lawyer here in Texas, clients often call me with questions about the Chapter 7 filing process. But sometimes, they call me eager to share their own ideas as well. Pete was one of them. “Hi Chris,” Pete began, excited. “I know we might file for bankruptcy next month if … [Read more...]
Chapter 7 Bankruptcy Dismissed: Reasons, Consequences, and Alternatives
Having your Chapter 7 bankruptcy dismissed can be unsettling, especially when you're already dealing with financial strain. Many individuals considering Chapter 7 bankruptcy in Texas wonder about the potential consequences and their next steps. Understanding why it was dismissed and the implications … [Read more...]
Protecting Disability Benefits in Chapter 7 Bankruptcy: A Texas Guide
Have you ever found yourself in the midst of a financial storm, hoping and praying for a life raft? Yes, we’re talking about the perfect storm–bankruptcy. Going through a bankruptcy might feel like you’re stranded in open seas amidst a never-ending storm that threatens to put you—and all your … [Read more...]
Separated and Husband Filed Chapter 7: What’s Next?
As an attorney specializing in both family law and bankruptcy, I often encounter cases where financial issues intersect with marital problems. Elise had already let me know she was separated from her husband and might need representation if they were to decide to formally get divorced. Then an even … [Read more...]
Do I Have to Go to Court for Chapter 7? Key Insights
Sarah let out a frustrated sigh as she read the email. "Well, it's official — my 341 meeting with the bankruptcy trustee is scheduled for next week." "Oh man, do you have to actually go to the courthouse for that?" Emily asked with a concerned look. Sarah shook her head. "Thankfully, no. Since … [Read more...]
