Debt & Bankruptcy Resources
How COVID-19 Has Affected Home Foreclosures in Texas
The COVID-19 pandemic has turned people’s lives upside down in myriad ways. With many Texans out of work or facing significantly reduced hours, homeowners and renters are concerned about losing their homes to foreclosure or eviction. The CARES Act has helped millions...
How to Stop Foreclosure in Texas: 4 Tips for Homeowners
If you have debt piling up and your home is at risk, you need to know how to stop the foreclosure process in Texas. As long as a foreclosure sale has not been completed, it’s likely you can stop foreclosure once it’s started, giving you a chance to keep your home. If...
How Long Does Bankruptcy Stay On Your Credit Report?
The long-term effect that bankruptcy has on a credit report is one of the biggest concerns many individuals express when considering whether or not they should file. This concern is valid for many reasons. Along with qualifying for new lines of credit and loans,...
A Comprehensive Guide to Federal Bankruptcy Exemptions
It’s a commonly-held belief that when a person files for bankruptcy relief under Chapter 7, that person loses his or her property. This simply isn’t true. While some debtors may have to surrender an asset, most do not lose any property when they file a Chapter 7 case....
Homestead Exemption in Texas — What You Need To Know To Protect Your Home In Bankruptcy
Losing a home is one of the biggest fears people express when they discuss filing for bankruptcy relief. However, we want you to know that you may be able to get out of debt by filing a bankruptcy case while protecting your home from the bankruptcy trustee and your...
How Car Repossession Works & How To Stop It In Texas
If you are behind in paying your car payments, you may face repossession. Many people believe that a lender must file a lawsuit to begin the car repossession process. However, this is not true. A lender can begin the car repossession process by simply taking your...
The Statute of Limitations on Debt Collection in Texas
Dealing with large debts can be extremely stressful and overwhelming. Creditors and debt collectors can be aggressive or even abusive when seeking repayments. However, as a consumer, you are protected by several laws that oversee debt collection within the state. To...
Pros & Cons of Bankruptcy: Filing For Chapter 7
It can be stressful and frustrating when you’re struggling to pay debts that you cannot afford. Dealing with debt can be even more overwhelming when creditors and collectors do not care about your reasons for not repaying debts. They simply want their money and will...
Is Filing for Bankruptcy With No Money Possible?
The cost of bankruptcy filing is always a concern for debtors. The reason people file for bankruptcy in the first place is that they’re in dire financial straits. They have outstanding debts that they cannot repay. However, even for those in this tough financial...
Cash in the 401(k) or File for Bankruptcy?
Maybe you have lost a job, making it difficult to stay current on mortgage payments. Maybe an illness or prolonged sickness has created medical bills you can’t possibly pay. With these financial pressures, you find yourself using credit cards more and more often just...
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