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…

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Credit Counseling Requirements

Under the changes to the Bankruptcy Code that took effect October 17, 2005, a person filing either a Chapter 7 or a Chapter 13 is required to take two short credit counseling courses, one before you file bankruptcy (credit counseling), and one after you have filed your case (financial management). The credit counseling agency must…

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…

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…

Giving back…

With the financial crisis going on and the education budget cuts looming over us I’ve been working on giving back to the consumer.  My pastor, Brett Stair of The Church at Sendera Ranch has been gracious enough to allow me to offer a free Q&A about bankruptcy. There are alot of myths and stigma about…

In the beginning…

We live in a fallen world where life isn’t always easy.  In fact, sometimes, it’s downright horrible.  Divorce.  Crime.  Financial Problems.  Civil Suits.  Death. Divorce rates vary but statistically hover between 40-50% of all first marriages.  Additional statistics push secondary marriage divorces as high as 60%. In 2004, more than 1.5 million bankruptcy cases were…