What Is a Reaffirmation Agreement in Chapter 7 – And Should You Sign One?
A reaffirmation agreement is a contract you sign during a Chapter 7 case to stay personally liable on a specific debt that would otherwise be wiped out, usually to keep collateral like a car or home. Whether you should sign one depends on your budget, how much you...
Missing Chapter 13 Payments In Texas
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...
Your Mortgage During Bankruptcy Filing
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...
Bankruptcy And Your Bank Account
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...
Warning Signs Of A Predatory Debt Collector
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...The True Cost of Title Loans: How Predatory Lending Keeps Borrowers Trapped
When unexpected bills pile up and credit options run thin, many Texans turn to title loans for fast cash, risking their vehicles in the process. But beneath the promise of quick money lies a predatory lending trap, where borrowers can end up paying thousands in...Bankruptcy Without Shame: Why There’s No Judgement and You’re Not Alone
If you’re struggling with overwhelming debt, you might feel isolated, anxious, or even ashamed to consider filing for bankruptcy. But here’s the truth: money troubles can strike honest, hardworking people every day. Whether you’re coping with job loss, unexpected...
Are You Struggling With Your Car Payment? What Borrowers Need to Know in 2025
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,...
How Life Changes After Bankruptcy
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...
Choosing The Right Bankruptcy Lawyer For Your Case
Filing for bankruptcy is a serious decision, and having the right lawyer by your side can make the process clearer and less stressful. A good lawyer helps us understand the steps involved, prepares the necessary documents, and represents our interests in court. Since...
How Bankruptcy Affects Your Credit
One of the biggest concerns people have when thinking about bankruptcy is how it will affect their credit. Credit plays a role in many areas of life, from renting an apartment to getting approved for a loan. While filing for bankruptcy does have an impact, the effect...
Common Myths About Bankruptcy
Bankruptcy is often misunderstood, and many people hesitate to consider it because of the myths they have heard. These misconceptions can cause unnecessary stress and prevent individuals from exploring options that might help them. By clearing up some of the most...
Life After Bankruptcy & Rebuilding Stability
Filing for bankruptcy can feel like a major turning point, but it does not mean financial life is over. In fact, many people find that bankruptcy gives them the chance to reset, rebuild, and plan for the future with a clearer outlook. Life after bankruptcy involves...
How Bankruptcy Can Impact Your Assets
When considering bankruptcy, one of the biggest concerns many people have is how it will affect their property. Assets can include your home, vehicle, savings, personal belongings, and even retirement accounts. Each type of bankruptcy has different rules, and...
Client Review
“Everything has been real good so far in our bankruptcy case I’m from out of town so they where good about handling stuff out of office that we could online phone etc correspondence was good got right back to you when you contacted Them .”
Alan Farmer
