Your Rights Under The Fair Credit Reporting Act
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...
Navigating the Chapter 7 Means Test in Texas
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...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...
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
