Debt & Bankruptcy Resources

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...

Chapter 13 bankruptcy gives you a structured way to reorganize your debts over three to five years. You make regular payments to a trustee, who distributes the money to your creditors according to a court-approved plan. It's a solid path forward when you're drowning...

You're worried about your home. That's probably the first thing on your mind when you're considering bankruptcy. Will you lose it? Can you keep making payments? The short answer is that filing for bankruptcy doesn't automatically result in foreclosure, but there's...

So you're thinking about filing bankruptcy, and now you're wondering what happens to the money sitting in your checking account. Will someone take it? Can you still swipe your debit card at the grocery store? These questions keep people up at night, and honestly, they...

Nobody enjoys getting calls about unpaid debts. It's stressful, sometimes embarrassing, and often catches people off guard. But there's a big difference between a legitimate collection agency doing its job and a predatory company trying to intimidate you into handing...

If you’ve been feeling the squeeze from your monthly car payment lately, you’re not alone. According to this recent article from the Wall Street Journal, millions of borrowers across the United States are falling behind on their auto loans, and subprime borrowers,...

Bankruptcy Filing for bankruptcy is a major decision that can bring relief and a chance to start fresh. While it may seem overwhelming at first, many people find that life after bankruptcy brings stability, reduced stress, and new financial opportunities. The process...