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 … [Read more...]
Pros and Cons of Filing Bankruptcy in Texas
Filing for bankruptcy is one of the most challenging decisions a person can make. If you're struggling with overwhelming debt, it's important to carefully weigh the pros and cons of filing bankruptcy. Bankruptcy laws are complex and can have long-term financial and personal consequences. As a … [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...]
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...]
Can I Get a HELOC After Chapter 7 Discharge?
As a bankruptcy attorney here in Texas, it’s common for my clients to reach out to me soon after the dust has settled from their Chapter 7 bankruptcy cases. One afternoon, I received a call from Leon, a client I represented in his Chapter 7 bankruptcy case just six months earlier. “Hey, Chris,” … [Read more...]
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