Bankruptcy is morally and biblically OK!

A lot of times I have potential clients that come in to my office with heads hung low griping and grousing about how they just can’t make it anymore.  They extoll “I borrowed the money but after I… lost my job got sick or hurt kid’s got sick or hurt reduction in income I just…

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Resources

Here are a few resources that may be helpful. US Federal Court Bankruptcy Resources Glossary of Legal Terms National Association of Consumer Bankruptcy Attorneys United States Northern District of Texas

FAQ

FAQ

Q. Will filing bankruptcy stop foreclosure? A. Both a Chapter 7 and Chapter 13 case filing stops foreclosures on mortgages (homestead, rental, and commercial property mortgages) so long as the sheriff’s sale has not been held. Chapter 13 also allows you to pay back the mortgage arrears on a homestead mortgage in your chapter 13…

Where does that leave the HOA?

I was reviewing some information and came acros some interesting issues regarding liens and HOAs.  It seems that when the builder is working the house and before the home is acutally sold the HOA establishes its lien.  So essentially they have a superior lien to the first mortgagor.  However, because of the subordination clause the…

You get what you pay for…

I was doing some work in the office and I found an old intake sheet from a potential client for a bankruptcy.  I decided to look up to see if that client had found another attorney.  A little background on this PC (potential cleint).  I met with them several days in a row and everytime…

Reality Fix

I recently read an article in Money magazine’s August issue called The Financial Fix.  The premise “These late-in-life parents want to retire at the same time they’ll be paying three college tuition bills. Can they do it?”  I was a little put off.  First of all I’m not sure what list I ended up on…

Been there….Done that

Hollywood has missed the mark.  I hate remakes.  To me, remaking a movie, screams “lack of originality”.  I know I know.  Maybe you can make it better or place your ‘stamp’ on it.  Bottom line is, it is still a remake.  A copy.  A been there…done that kind of deal.  Today I read an article about Kate…

Redesign

I’m in the process of redesigning my blog.  I figured “Difficult Times” was a little oft-putting so I went with Legal E.  Let me know what you think.  Basically going to try and cover whatever suits my fancy. 

You are not alone…

I was doing some research for the free bankruptcy Q & A and came across some interesting items.  One of my pet peeves, I guess you can call it that, is the stigma associated with bankruptcy that the credit companies try to convince people of.  They try to convince people that if they file bankruptcy…