Debt & Bankruptcy Resources

Not everyone can file for Chapter 13 bankruptcy. There's a means test that determines whether your income qualifies you for this type of debt reorganization. Understanding how it works can save you a lot of headaches down the road. What The Means Test Actually...

Discovering that a creditor is taking money directly from your paycheck can feel like a punch to the gut. You're not alone if you're wondering how this happened and what you can do about it. Texas has some of the strongest wage garnishment protections in the country,...

If you're facing foreclosure in Texas, bankruptcy might be the tool that buys you time or even lets you keep your house. The protection isn't automatic in every situation, though, and it definitely isn't permanent across the board. Let me break down how this actually...

If the idea of filing bankruptcy makes your stomach drop, you are not alone. Money stress can feel isolating, yet many people have found real relief through Chapter 7. In this case study, we unpack chapter 7 bankruptcy experiences through simple, real client stories,...

Overwhelmed by bills and unsure where to turn? You are not alone. Bankruptcy can provide a legal reset, but the process can feel confusing if you are new to it. This step-by-step guide explains each stage in clear, practical terms so you can make confident choices.You...

Considering Chapter 7 but unsure what happens next? If you are feeling overwhelmed by debt, clarity on the process can make your decision easier. Chapter 7 is a legal path to wipe out many unsecured debts, and understanding the timeline for chapter 7 bankruptcy will...

Credit card bills piling up and interest creeping higher? You are not alone. Debt can feel confusing and endless, especially if this is your first time tackling it. The good news is that a few clear steps can make a big difference. In this beginner-friendly guide, we...

Credit reports influence nearly every major financial decision you'll make. They determine whether you can buy a home, lease an apartment, or even land certain jobs. Yet many people don't realize they have significant legal protections when it comes to how their...

Thinking about filing Chapter 7 in Texas, but unsure if you qualify? The means test is the gatekeeper. It decides whether your income and expenses permit a Chapter 7 fresh start or point you toward another chapter. Many first-time filers find this step confusing. With...