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...]
Do I Need a Lawyer for a Credit Card Lawsuit? Here’s What You Should Know
As a debt defense attorney here in Texas, I’m familiar with the calls from clients when they realize they can use my help in a credit card lawsuit. Thomas was one of them. After putting off the call for as long as he could, one morning he reached out to me. “Chris, I didn't think it would … [Read more...]
Can a Collection Agency Sue You After 7 Years?
If you're dealing with debts, you might wonder, "Can a collection agency sue you after 7 years?" This question comes up often because many people believe that after a certain time period, debts just disappear. However, the reality is a bit more complicated. In Texas, the rules around debt collection … [Read more...]
What to Know if Facing a U.S. Bank Debt Collection Lawsuit in Texas
If you are facing a U.S. Bank debt collection lawsuit in Texas, you may believe you have no options against a creditor as big as U.S. Bank. However, you do have legal options available to you to resolve the lawsuit in a favorable way. At Warren & Migliaccio, we defend Texans against debt … [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...]
How Long Does It Take For Chapter 7 Bankruptcy?
Filing for bankruptcy can feel overwhelming. When you need to file bankruptcy, you’re likely wondering how long does it take for Chapter 7 bankruptcy, especially in Texas. This guide provides clarity on timelines, influencing factors, and the benefits of legal help. Achieving debt relief through … [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...]
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