Sitemap

• Home
• About
• Attorney
• Practice Areas
• Bankruptcy
• Chapter 7 Bankruptcy
• Chapter 13 Bankruptcy
• Home Foreclosures
• IRS Tax Levies
• Bankruptcy Alternatives
• Do I Qualify for Bankruptcy?
• Life After Bankruptcy
• The Bankruptcy Process
• Bankruptcy FAQs
• Wage Garnishment
• Repossessions
• Credit Card Debt
• Benefits of Bankruptcy
• Protection from Creditors and Automatic Stay
• Medical Bills and Bankruptcy
• Asset Protection and Bankruptcy
• Bankruptcy and Divorce
• Rebuilding Credit After Bankruptcy
• Short Sales
• Testimonials
• Blog
• Pandemic Mortgage Forbearance
• Consumer Bankruptcies Not Increasing--Yet
• How Has the Coronavirus Pandemic Affected Bankruptcy Cases?
• New Modified 7-Year Chapter 13 Plans
• Protecting Your Pandemic Relief Payment from Your Bank
• What Is an Automatic Stay in a Texas Bankruptcy?
• Protecting Your Pandemic Relief Payment from Creditors
• Student Loan Changes in the CARES Act
• How Do I Know When Filing for Bankruptcy Is My Best Option?
• Consumer Bankruptcy Changes in the CARES Act
• Enhanced Unemployment Benefits Under the CARES Act
• $1,200 Coming Soon to Most U.S. Adults
• Does Filing for Bankruptcy Affect Employment?
• Tax Filing and Payment Extended to July 15
• Priority Debt for Intoxicated Driving
• Top Things You Should Know About Declaring Bankruptcy
• Avoiding Paying Prior Employee Debt
• Paying Employee Debt in Chapter 13
• Can I Keep My Car if I File for a Texas Bankruptcy?
• Paying Employee Debt in Bankruptcy
• Commissions Owed to Independent Contractor
• What Does the Texas Bankruptcy Process Look Like?
• Wages Owed to an Employee
• A Chapter 13 Plan to Catch up on Past-Due Support
• Lowering Payments on a Chapter 13 Repayment Plan
• Catching up on Support through Chapter 13
• Conditions for Stopping Support Collections in Chapter 13
• Purchasing a House after Bankruptcy
• Unpaid Child and Spousal Support in Chapter 13
• Unpaid Child and Spousal Support in Chapter 7
• A Chapter 13 Plan to Pay Income Tax
• Can You Incur More Debt During a Chapter 13 Repayment Plan?
• Paying Income Taxes through Chapter 13
• Priority Income Tax Debts under Chapter 13
• What Debts Are Not Dischargeable in a Texas Bankruptcy?
• Priority Debts in a Chapter 13 Case
• Priority Debts in an Asset Chapter 7 Case
• FAQs About Chapter 7 and Chapter 13 Bankruptcy
• Priority Debts in a No-Asset Chapter 7 Case
• Priority Debts
• Will Filing Chapter 7 Bankruptcy Stop a Foreclosure?
• Nondischargeable Co-Signed Debts
• Concerns about Co-Signed Debts
• When Should I Delay Filing for Bankruptcy?
• Additional Charges and Curing Your Mortgage Arrearage
• Resolve Mortgage Accounting Disagreements
• What Are the Laws for Filing Multiple Bankruptcies?
• Chapter 13 Really Helps Delay Your Home Sale
• Bankruptcy Helps Delay Your Home Sale
• The Basics of Texas Wage Garnishment and Bankruptcy
• Protection from Your Homeowners' Association
• Avoid a Support Lien through Bankruptcy
• What Does a Bankruptcy Trustee Do?
• Avoid Income Tax Liens with Chapter 13
• Avoid Income Tax Liens with Chapter 7
• Prevent Future Income Tax Liens
• Prevent Future Judgment Liens
• Which Type of Bankruptcy Is Right for Me?
• Bankruptcy Can Remove a Judgment Lien
• Qualifying for Bankruptcy in Texas
• Bankruptcy May Strip Off a Junior Mortgage
• Bankruptcy Stops a Property Tax Foreclosure
• Chapter 13 Gives the Most Time to Cure Your Mortgage
• Bankruptcy Helps You Afford Your Mortgage
• What to Expect at a 341 Meeting of Creditors
• Protecting Excess Home Equity through Chapter 13
• Filing for Bankruptcy Due to Medical Debt
• Protecting Future Home Equity through Chapter 7
• Protecting Your Home Equity through Chapter 7
• Can My Texas Bankruptcy Discharge Be Denied?
• More Bankruptcy Benefits for Your Home
• Bankruptcy's Many Benefits for Your Home
• Marital Debt: Determining the Best Way to File for Bankruptcy
• Cramdown on Furniture and Other Personal Property Debts
• An Example of Money Saved through Vehicle Loan Cramdown
• Creditor Harassment after Bankruptcy
• Cramdown Your Vehicle Loan if Behind on Payments
• Qualifying for a Vehicle Loan Cramdown
• The Role of a Bankruptcy Trustee
• Keep Your Vehicle through Cramdown
• Keep Your Vehicle without Reaffirmation
• Keep Your Vehicle by Reaffirming its Loan
• What Not to Do Before Filing for a Texas Bankruptcy
• Forgotten Debts
• Debts Sold or Assigned to Collection Agencies
• Frequently Asked Questions About Texas Bankruptcy
• Creditor Not Listed But Knows about Your Case
• Debts You Don't List in Your Bankruptcy Case
• Things You Should Know Before You File for Bankruptcy
• Bankruptcy Writes Off Vehicle Accident Claims, Unless Intoxicated
• Bankruptcy Can Write Off a Student Loan, IF it Causes Undue Hardship
• Exploring Federal and Texas Bankruptcy Exemptions
• Bankruptcy Does Not Write Off Child or Spousal Support Debts
• Bankruptcy Writes Off (Some) Income Taxes
• Criminal Fines and Restitution Not Written Off in Bankruptcy
• How Will a Bankruptcy Affect My Credit Score?
• Debts Not Written Off in Bankruptcy
• Writing Off Debts with Bankruptcy
• Types of Debt in Chapter 13 Bankruptcies
• Your Debts in Bankruptcy
• If You Owe Both 2018 AND Earlier Income Taxes
• Can I Discharge My Student Loans in Bankruptcy?
• Include 2018 Income Taxes in a Chapter 13 Case Filed in 2019
• Filing Chapter 13 in 2019 to Write Off More Income Taxes
• How a Texas Bankruptcy May Help Stop a Home Foreclosure
• Filing Bankruptcy in 2019 to Write Off More Income Taxes
• Disadvantages of a Badly-Timed 5-Year Chapter 13 Case
• Scenario: Filing Chapter 13 Now Shortens a Case by Two Years
• What Life Is Really Like After a Texas Bankruptcy
• Filing Chapter 13 in December (or January!) May Greatly Shorten Your Case
• An Example of a "Preference"
• Signs Filing For Bankruptcy Might Be Your Best Option
• "Preferences" Around the Holidays
• Bankruptcy Myths
• Fraudulent Transfers Around the Holidays
• An Example Why Passing the Means Test May Be Easier in 2018
• What Is a �Means Test� and How Does It Affect Bankruptcy?
• Pass the Means Test by Filing Bankruptcy in 2018
• The Surprising Benefits: Keeping Your Vehicle Lease under Chapter 13
• The Surprising Benefits: Keeping Your Vehicle Lease under Chapter 7
• Debunking the Three Biggest Bankruptcy Fears
• The Surprising Benefits: Ending Your Vehicle Lease under Chapter 13
• The Surprising Benefits: Rejecting Your Vehicle Lease under Chapter 7
• How to Rebuild Credit After a Texas Bankruptcy
• The Surprising Benefits: Escape from Your Vehicle Lease in Bankruptcy
• The Surprising Benefits: An Example of Vehicle Loan Cramdown
• Which Bankruptcy Option Eliminates All Debt?
• The Surprising Benefits: Saving Your Vehicle Better through Chapter 13
• Foreclosure: Will the Bank Take My Home if I Miss a Payment?
• The Surprising Benefits: Saving Your Vehicle through Bankruptcy
• The Surprising Benefits: Chapter 13 Potentially Discharges Divorce Property Settlement Debts
• The Surprising Benefits: Discharge Divorce Property Settlement Debts
• The Surprising Benefits: Chapter 13 Handles an Income Tax Lien on a Tax that Can't Be Discharged
• Lawsuit Highlights the Issues with Debt Settlement Services
• The Surprising Benefits: An Income Tax Lien on a Tax that Can't Be Discharged
• The Benefits of Bankruptcy
• The Surprising Benefits: Chapter 13 AFTER the Recording of an Income Tax Lien
• The Surprising Benefits: Chapter 7 AFTER the Recording of an Income Tax Lien
• How Bad is Bankruptcy for Your Credit Score?
• The Surprising Benefits: Chapter 13 Stops the Recording of an Income Tax Lien
• The Surprising Benefits: Chapter 7 Stops the Recording of an Income Tax Lien
• Small Business Bankruptcy in Texas
• The Surprising Benefits: Fraud Debt Collections in Bankruptcy
• The Surprising Benefits: Deal with Student Loan Collection with Chapter 13
• The Surprising Benefits: Stop Student Loan Collection
• Managing Your Finances after Bankruptcy
• The Surprising Benefits: Stop Income Tax Collection
• The Surprising Benefits: Stop Collection of Support Arrearage
• Can You File Bankruptcy Without Your Spouse?
• The Surprising Benefits: Break a Tax Payment Plan through Chapter 13
• The Surprising Benefits: Break a Tax Payment Plan through Chapter 7
• The Surprising Benefits: Getting Back Your Repossessed Vehicle
• How to Get Back a Repossessed Vehicle
• The Surprising Benefits: Reinstating Your Driver's License Suspended for Unpaid Tickets
• The Surprising Benefits: Reinstating a Driver's License
• Choosing Between Bankruptcy and Foreclosure
• The Surprising Benefits: Removing a Judgment Lien on Your Home
• The Surprising Benefits: Resolving the "Preference" Problem through Chapter 13
• Reversing Real Estate Judgment Liens with Bankruptcy
• The Surprising Benefits: Resolving the "Preference" Problem through Negotiation
• The Surprising Benefits: Solving an Uncomfortable "Preference" Problem
• Reclaiming Your Texas Driver�s License through Bankruptcy
• The Surprising Benefits: A "Preference" Payment to a Relative or Friend
• The Surprising Benefits: Use "Preference" Money to Pay a Favored Debt
• Surprising Bankruptcy Benefits: Make Creditors Return Your Money
• A Dozen Surprising Benefits of Bankruptcy
• Fully Complying with Your Chapter 13 Case
• The Criminal Exception to the Automatic Stay
• Giving a Creditor "Adequate Protection"
• A Creditor's Precautionary Motion about the Automatic Stay
• Two More Creditor Challenges to the Automatic Stay
• A Creditor's Challenge to the Automatic Stay to Pursue a Lawsuit
• A Creditor Challenge to the Automatic Stay
• What the IRS/State Can and Can't Do After You File Bankruptcy
• Landlord's Power over Bankruptcy to Evict Bad Tenants
• Family Court Proceedings and Debts in Bankruptcy
• Stopping Eviction from Your Rental through Bankruptcy
• Limited Automatic Stay Protection for Unpaid Child/Spousal Support
• No Automatic Stay after Multiple Prior Bankruptcy Filings
• Prevent Losing the Automatic Stay Because of a Prior Bankruptcy Filing
• Stop Student Loan Collections to Discharge or Deal with the Loan
• Stop IRS Garnishment to Start Installment Payment Plan
• Preventing Wage Garnishment through Bankruptcy
• Does Hiring a Bankruptcy Lawyer Stop Collection Actions?
• A Handy Guide to Chapter 7 vs. 13 for Your Secured Debts
• Chapter 7 vs. 13 When Your Vehicle is Worth Too Much
• Cramdown on Vehicle Not Bought for Personal Use
• Cramdown on Collateral Not Purchased with the Debt
• Verifying that a Creditor Has a Valid Security Interest
• Example of Reaffirming vs. Cramming Down Furniture Loan
• Example of Reaffirmation Agreement vs. Cramdown of Vehicle Loan
• Examples of Reaffirmation Agreement vs. Chapter 13
• Reaffirmation Agreement vs. Chapter 13
• Get a New Financial Start with this New Year
• Rescinding a Reaffirmation Agreement
• The Reaffirmation Hearing
• Reaffirming a Debt That's Not Current
• Be Cautious about Reaffirming a Debt
• A Debt Reaffirmed under Chapter 7
• Debts Voluntarily Paid in Chapter 7
• Exceptions to the Discharge of Debts in Chapter 7
• "General Unsecured Debts" in Chapter 13
• "General Unsecured Debts" in Chapter 7
• Unsecured Debts in Bankruptcy
• Chapter 13 with a Judgment Lien, HOA Lien, or Child/Spousal Support
• Chapter 13 with a 2nd Mortgage, Property Taxes, or Income Tax Lien
• Chapter 7 with a Judgment Lien, HOA Debt, or Support Obligations
• Your Paid-Current Home Mortgage in Chapter 7 and 13
• Your Home Mortgage in Chapter 7 and Chapter 13
• Simple and Not-so-simple Debts in Chapter 7 and 13
• The Automatic Stay in Chapter 7 and 13
• Using Time to Your Advantage in Chapter 7 and 13
• Keep an Open Mind about Chapter 7 or 13
• Chapter 7 or 13? You May Be Surprised
• Chapter 7 Prevents Judgment Liens on Your Home
• Chapter 7 Buys Time and Money to Move from a Foreclosing Home
• Chapter 7 Buys Time to Change to Another Vehicle
• Chapter 7 Buys Time to Redeem Your Vehicle
• Chapter 7 Buys Very Short Amount of Time to Get Vehicle Insurance
• Many Ways to Buy Time for Your Vehicle and Home through Chapter 7
• Dealing with Recorded Tax Liens through Chapter 13
• Buy Lots More Time to Deal with Multiple Years of Income Tax Debts
• Buy Time to Deal with Multiple Years of Income Tax Debts
• Buy Time to Get Current on Home Property Taxes
• Buy Time to Sell Your Home with Chapter 13
• Buy Much More Time for Your Home with Chapter 13
• Chapter 7 Permanently Prevents Tax Liens against Your Home
• Buy Time for Your Home with Chapter 7
• Good Timing Can Shorten Your Chapter 13 Case by 2 Years
• Why Timing Can Be So Crucial for the Means Test
• The Means Test is Based on Timing
• Timing: Avoiding "Fraudulent Transfers"
• Timing: Avoiding Very Troublesome "Preference" Payments
• Timing: Qualifying for Cramdown on Personal Property Collateral
• Timing: Qualifying for Vehicle Loan Cramdown
• Timing: Writing Off Recent Credit Card Debt
• Timing: Writing Off Income Taxes
• Two Examples of Bankruptcy Timing with Medical Debts
• Timing: Including Debts in Bankruptcy
• A Sample Completed Chapter 7 Case
• A Sample Completed Chapter 13 Case
• Getting Ready to Finish a Chapter 13 Case
• The Chapter 13 Trustee
• A Second Mortgage "Strip" through Chapter 13
• Labor Day 2017--Hard-Working and Productive Workers
• Labor Day 2017--Hard-Working and Productive Workers
• A Caution about Severing Your Chapter 13 Case from Your Spouse
• The Option of Severing Your Chapter 13 Case from Your Spouse
• The Option of Converting Your Chapter 13 Case into a Chapter 7 One
• Your Voluntary Dismissal of a Chapter 13 Case
• Plan Modification After It's Court-Approved
• Plan Modification Before It's Approved
• Chapter 13 Plan Modification
• Catching up on Child or Spousal Support
• Catching up on Property Taxes on Other Than Your Home
• Catching up on Property Taxes When You Have a Mortgage
• Catching up on Your Mortgage on Your Terms
• Protect Yourself from Your Co-Signer
• Using the Co-Debtor Stay of Chapter 13
• Protecting Your Co-Signer in Bankruptcy
• Cramdown on Debts Secured by Personal Property
• Reducing the Cost of Your Vehicle Loan through Cramdown
• Treatment of Different Types of Creditors in Chapter 13
• The Chapter 13 Plan
• Chapter 13 Buys Time
• Qualifying to File a Chapter 13 Case
• Keeping Your Vehicle in Chapter 7 through Redemption
• Surrendering Your Vehicle in a Chapter 7 Case
• Keeping Your Vehicle by Reaffirming the Vehicle Loan
• Timing Can Be Crucial for Passing the Means Test
• A Simple Example of Passing the Means Test
• The Pursuit of Happiness this 4th of July
• Household Size Really Matters for Passing the Means Test
• No Means Test If You Fit within a Military Exemption
• No Means Test If You Have More Business Debts than Consumer Debts
• The Chapter 7 Means Test
• Example of a Simple Chapter 7 "Asset Case"
• A Chapter 7 "Asset Case"
• Chapter 7 Trustee's Abandonment of Property
• When a Chapter 7 Trustee Doesn't Liquidate Non-Exempt Property
• A "No Asset" Chapter 7 Case
• Proceeds, Rents, or Profits as "Property of the Estate"
• "Property of the Estate" and Marital Property Division
• "Property of the Estate" and "Death Benefits"
• "Property of the Estate" May Include Life Insurance Proceeds
• "Property of the Estate" Includes an Inheritance
• "Property of the Estate" Excludes Property in a Spendthrift Trust
• "Property of the Estate" Excludes Powers You Exercise for Another's Benefit
• "Property of the Estate" in Chapter 7 Bankruptcy
• The U. S. Trustee--Administrator and Enforcer
• 5 More Things to Know to Protect Your Property through Exemptions
• 5 Things to Know to Protect Your Property through Exemptions
• Using the Right Set of Property Exemptions
• The Chapter 7 Trustee Challenging an Asset's Value
• The Chapter 7 Trustee Looking into an Asset
• The Trustee in a Consumer Chapter 7 Case
• Resolving a Fraudulent Transfer Painlessly through Chapter 13
• Preventing Avoidance of Fraudulent Transfers through Chapter 13
• Are Charitable Gifts Fraudulent Transfers?
• Fraudulent Transfers without the Actual Intent to Defraud
• Fraudulent Transfers with Actual Intent to Defraud
• Introducing Fraudulent Transfers
• Using "Preference" Law to Pay a Necessary Debt
• Using "Preference" Law to Your Advantage
• Avoiding the "Preference" Problem
• The "Preference" Problem
• The Practicalities of "Preferences"
• Understanding "Preferences"
• The Judge's Ruling in a Dischargeability Proceeding: an Example
• The Closing Arguments in a Dischargeability Proceeding: an Example
• The Trial in a Dischargeability Proceeding: an Example
• Discovering the Facts in a Dischargeability Proceeding: an Example
• Answering a Creditor's Dischargeability Complaint: an Example
• Resolving a Creditor's Dischargeability Objection: an Example
• Going to Trial on a Nondischargeability Dispute with a Creditor
• "Discovery" during a Nondischargeability Dispute with a Creditor
• The Procedure to Determine whether a Debt Should be Discharged
• Options for Dealing with a Nondischargeability Complaint
• Writing off a Student Loan
• A Challenge to the Discharge of All Debts
• Suing a Creditor in Bankruptcy
• Adversary Proceedings by the Debtor
• Adversary Proceedings by the Trustee
• Adversary Proceedings in Bankruptcy
• When a Business Lease is Not a True Lease
• Business Leases Recharacterized
• Business Leases of Personal Property
• The Difference between a True Lease and a Secured Purchase
• Leases that Are Actually Secured Purchases
• Personal Property Leases in Bankruptcy
• Leaving My Rental after Filing a Chapter 13 Case
• Leaving My Rental after Filing Chapter 7 Bankruptcy
• What If I'm Too Far Behind on My Rent?
• What If I'm Behind on My Rent But Want to Stay in My Rental?
• Can My Landlord End My Lease Just for Filing Bankruptcy?
• Escaping a Vehicle Lease in Chapter 13
• Escaping a Vehicle Lease in Chapter 7
• "Assuming" a Vehicle Lease in Default in Chapter 13
• "Assuming" a Vehicle Lease in Chapter 7
• Executory Contracts in Chapter 7
• Unexpired Leases and Other Executory Contracts in Bankruptcy
• Statutory Liens in Chapter 13
• Statutory Liens in Chapter 7
• The Bankruptcy Judge, U.S. Trustee, and Chapter 7 and 13 Trustees
• Statutory Liens
• Turning Friday the 13th Bad Luck into Good
• Execution Liens, Judgments on Nondischargeable Debts
• A Sample Judgment Lien, Undone
• Undoing a Judgment Lien
• The Dangerous Judgment Lien
• Objecting to a Proof of Claim to Defeat a Creditor
• Objecting to a Proof of Claim to Prevent Dismissal
• When It's Worth Objecting to a Proof of Claim
• Objecting to a Creditor's Proof of Claim in Chapter 13
• Creditor's Failure to File a Proof of Claim in Chapter 13
• Potentially Pay Nothing to Most Creditors in Chapter 13
• Creditors Paid Nothing under Chapter 13
• Debt Write-off under Chapter 13
• Permanently Write Off Debts in Bankruptcy
• 5 Special Assets
• Upcoming Property from a Divorce
• Rents and Profits as Bankruptcy Assets
• Recovered Assets from "Fraudulent Transfers"
• Assets Recently Sold or Given Away
• Shared Assets
• Special Assets--An Inheritance
• The Financial Effect of Surrendering Collateral in Chapter 13
• Secured Creditors' Proofs of Claim in Chapter 13
• Priority Creditor Proofs of Claim in Chapter 13
• Unsecured Creditors' Proofs of Claim in Chapter 13
• Creditor Claims and Proofs of Claim
• Including New Income Tax Debts in Chapter 13
• "Pre-Petition" and "Post-Petition" Debts in Chapter 13
• "Pre-Petition" and "Post-Petition" Assets in Chapter 7
• "Pre-Petition" and "Post-Petition" Debts in Chapter 7
• Everything to Know about the Automatic Stay
• Lack of the Automatic Stay through Multiple Prior Bankruptcy Filings
• Losing the Automatic Stay through a Prior Bankruptcy Filing
• The "Endangerment of Property" and "Illegal Use of Controlled Substances" Automatic Stay Exceptions
• The Residential Lease Exception to the Automatic Stay
• The Tax Exceptions to the Automatic Stay
• The Domestic Relations Exceptions to the Automatic Stay
• Exceptions to the Automatic Stay
• "Adequate Protection"
• Creditors Ask for Relief from Stay
• Reasons Creditors Ask for Relief from the Automatic Stay
• Creditors Asking for Relief from Stay NOT to Pursue Collateral
• "Relief from the Automatic Stay"
• The Automatic Stay
• Petition, Schedules, Electronic Filing
• "Residence" and "Domicile" in Bankruptcy
• "Credit Counseling" and "Debtor Education"
• Voluntary and Involuntary, Individual and Joint Bankruptcy Cases
• The Bankruptcy Chapters--Chapter 7, 9, 11, 12, 13 Cases
• The Debtor, Creditor, Lawyers, Bankruptcy Clerk, Trustee, and Judge
• A Scenario about Debts from a Vehicle Accident
• "Priority" Debts for Injuries from Driving while Intoxicated
• "Priority" Wages and Benefits Owed to Employees
• Are "Priority Income Tax Debts Discharged in Chapter 7 Bankruptcy?
• Can "Priority" Debts Be Discharged in Chapter 7 Bankruptcy?
• "Priority" Debts in Chapter 7 Bankruptcy
• "Priority" Debts in Bankruptcy
• Example of How Chapter 13 Handles a Creditor with a Disputed Lien
• When a Creditor Has a Disputed Lien in Chapter 13
• When a Creditor Does Not Enforce its Lien in Chapter 13
• An Example of Surrendering Your Home Later in a Chapter 13 Case
• The Option of Surrendering Your Home Later in a Chapter 13 Case
• Surrendering a Vehicle in a Chapter 13 Case
• When a Creditor Does Not Have an Enforceable Lien
• When a Creditor Does Not Enforce its Lien
• Debt Secured by Judgment Lien Can Often Be Turned into an Unsecured Debt
• Secured Debt Treated Like Unsecured Debt after Collateral Surrender
• Secured Debts Treated Like Unsecured Debts in Chapter 7
• "General Unsecured" Debts Discharged in Chapter 13
• Debts Partly Paid but then Written off in Chapter 7
• "General Unsecured" Debts Discharged in Chapter 7
• Protect Equity in Your Home Better with Chapter 13
• Protect Equity in Your Home Not Covered by the Homestead Exemption
• "Avoiding" a Judgment Lien on Your Home in Chapter 13
• "'Statutory Liens" on Your Home Resolved through Chapter 13
• Special Debts that Can't Be "Discharged" under Chapter 13
• How Chapter 7 Deals with Special Debts that Can't Be "Discharged"
• The Chapter 13 "Super-Discharge" of Divorce Decree Debts
• Dealing with a Recorded Income Tax Lien and Preventing Future Ones
• Catching Up on Your Property Taxes through Chapter 13
• Flexibility in Selling Your Home through Chapter 13
• A Second Mortgage "Strip" through Chapter 13
• Catching up on Your Home Mortgage through Chapter 13
• Independence from Debt
• Ten Ways to Keep Your Home through Chapter 13
• Prevent a Creditor with an Unsecured Debt from Turning it into a Secured Debt
• Power over Your Secured Debts through Chapter 13
• Power over Your Secured Debts through Chapter 7
• Your Secured Debts
• Chapter 13 Benefits for Real Estate that Is Income-Producing and Equity-Creating
• Chapter 13 Benefits Directly Related to Real Estate Other than Your Home
• Selling Real Estate Other than Your Home under Chapter 13
• Surrendering Real Estate Other than Your Home in Bankruptcy
• Keeping Non-Home Real Estate through Bankruptcy
• Addressing a Child or Spousal Support Lien through Bankruptcy
• Dealing with Statutory Liens on Your Home in Bankruptcy
• Erasing a Judgment Lien from Your Home's Title
• Preventing a Judgment Lien against Your Home
• Dealing with a Recorded Tax Lien FULLY Secured by Home Equity
• Resolving a Recorded Tax Lien Partly Secured by Home Equity
• Beating a Recorded Income Tax Lien on Your Home
• Preventing an Income Tax Lien on Your Home
• Escape Your Underwater Second Mortgage
• Dealing with Unpaid Property Taxes on Your Home
• Keeping Your Home through Chapter 13
• Keeping Your Home through Chapter 7
• Getting Out of Your Vehicle Lease through Chapter 13
• Getting Out of Your Vehicle Lease through Chapter 7
• Keeping Your Leased Vehicle through Chapter 13
• Keeping Your Leased Vehicle through Chapter 7
• Getting Out of Your Vehicle Loan through Bankruptcy
• Lowering Your Vehicle Loan Payments through Chapter 13 Bankruptcy
• Reaffirming Your Vehicle Loan through Chapter 7 Bankruptcy
• Debts Not Listed in Your Bankruptcy Documents
• Accident Claims from Driving While Intoxicated
• How to Discharge a Student Loan in Bankruptcy
• Unpaid Child or Spousal Support Never Discharged in Bankruptcy
• Income Taxes Discharged and Not Discharged in Bankruptcy
• Criminal Debts Not Discharged in Bankruptcy
• Debts Not Discharged in Chapter 7 Bankruptcy
• The Discharge of Debts in Bankruptcy
• The 3 Kinds of Debts
• Bankruptcy in the U.S. Constitution and Statutes
• Bankruptcy--A Moral Choice
• Bankruptcy Made Simple
• What Is Size of Your Family for the "Means Test"?
• What Is Your State for the "Means Test"?
• What is Considered "Income" for the Chapter 7 "Means Test"
• The New Median Income Amounts for the Chapter 7 "Means Test"
• The Military Exemptions from the Chapter 7 "Means Test"
• The Business Debt Exemption from the Chapter 7 "Means Test"
• You're Now More Likely to Be Paid More Back Wages by Your Bankrupt Former Employer
• Larger Families More Likely to Qualify for Shorter Chapter 13 Cases
• A Chapter 13 Debt Limit Increase
• A Chapter 7 "Means Test" Calculation Adjustment
• The Homestead Exemption Cap
• The Maximum IRA Exemption
• New Thresholds for a "Luxury" Purchase or Cash Advance to Be Presumed Fraudulent
• Upcoming Increase in Federal Property Exemptions
• More New Bankruptcy Dollar Amounts Effective Soon
• A Fresh Start against Your Co-Signer
• A Fresh Start at Protecting Your Co-Signer Better
• A Fresh Start at Protecting Your Co-Signer
• A Fresh Start for Your Home Partly Encumbered by a Tax Lien
• A Fresh Start for Your Home Equity Encumbered by a Tax Lien
• A Fresh Start with an Income Tax Lien on Your Home
• A Fresh Start with the Child or Spousal Support Lien on Your Home
• A Fresh Start with Unpaid Property Taxes on Your Home
• The Judgment Liens that Can Be "Avoided" from Your Home's Title
• A Fresh Start by "Avoiding" a Judgment Lien on Your Home
• Consumer Warning: A Scam Targeting Bankruptcy Filers
• A Fresh Start by "Stripping" Your Second Mortgage
• A Fresh Start on Your Home with Chapter 13
• A Fresh Start with a Forbearance Agreement
• A Fresh Start with a Mortgage Modification
• A Fresh Start on Your Home If You're Behind on Your Mortgage
• A Fresh Start on Your Vehicle Loan through Chapter 13 "Cramdown"
• A Fresh Start on Your Vehicle Loan through Chapter 7 "Redemption"
• A Fresh Start on Your Vehicle Loan through Chapter 7 "Reaffirmation"
• Bankruptcy Timing: Include Income Taxes Owed for 2015 by Filing Chapter 13 in Early 2016
• Bankruptcy Timing: Filing in 2016 to Write Off More Income Taxes with Chapter 13
• The New Year, a Fresh Start!
• Bankruptcy Timing and the Holidays: Filing in 2016 to Cover More Income Taxes
• Bankruptcy Timing and the Holidays: Filing in January to Qualify for Chapter 7 or Shorten Chapter 13 Case
• Peace on Earth, Good Will to All: Merry Christmas!
• Bankruptcy Timing and the Holidays: Filing in December May Shorten Chapter 13 Case by 2 Years
• Bankruptcy Timing and the Holidays: Personal Injury Damages from Driving Under the Influence
• Bankruptcy Timing and the Holidays: Gift-Giving and "Fraudulent Transfers"
• Bankruptcy Timing and the Holidays: "Preference�?� Payments
• Bankruptcy Timing and the Holidays: The "Cash Advances" Presumption of Fraud
• Bankruptcy Timing and the Holidays: The "Luxury" Presumption of Fraud
• Bankruptcy Timing and the Holidays: Extra Income in December Affecting the "Means Test"
• Bankruptcy Timing and the Holidays
• Giving Final Thanks for Chapter 13 "Adjustment of Debts"
• Giving More Thanks for Chapter 13 "Adjustment of Debts"
• Giving Thanks for Chapter 13 "Adjustment of Debts"
• Giving More Thanks for Chapter 7 "Straight Bankruptcy"
• Giving Thanks for Chapter 7 "Straight Bankruptcy"
• Thanksgiving for the Rule of Law
• Chapter 7 and Chapter 13--Income Tax Lien Partly Secured by Equity in Your Home
• Chapter 7 and Chapter 13--An Income Tax Lien Secured by Equity in Your Home
• Chapter 7 and Chapter 13--An Income Tax Lien on Your Home
• Chapter 7 and Chapter 13--Owe Both Newer and Older Income Taxes
• Chapter 7 and Chapter 13--Newer Income Taxes
• Chapter 7 and Chapter 13--Older Income Taxes
• Chapter 7 and Chapter 13--Child and Spousal Support
• Chapter 7 and Chapter 13--Unsecured Debts
• Chapter 7 and Chapter 13--Delayed Sale of Your Home
• Chapter 7 and Chapter 13--Selling Your Home in the Near Future and Protecting Its Increased Equity
• Chapter 7 and Chapter 13--Selling Your Home with Equity but Have Lots of Other Debts
• Chapter 7 and Chapter 13--Too Much Equity in Your Home
• Chapter 7 and Chapter 13--Unpaid Child or Spousal Support Lien on Your Home
• Chapter 7 and Chapter 13--Stripping a Second (or Third) Mortgage
• Chapter 7 and Chapter 13--Resolving Your Property Tax Debt
• Chapter 7 and Chapter 13--Avoiding Judgment Liens on Your Home
• Chapter 7 and Chapter 13--Surrendering Your Home
• Chapter 7 and Chapter 13--Home Mortgage Overview
• Chapter 7 and Chapter 13--"Cramdown" on Personal Property Collateral
• Chapter 7 and Chapter 13--Personal Property as Purchased Collateral
• Chapter 7 and Chapter 13--More Vehicle Loans
• Chapter 7 and Chapter 13--Vehicle Loans
• Chapter 7 and Chapter 13--Exempt and Not Exempt Assets
• Chapter 7 and Chapter 13--Encumbered Assets
• Chapter 7 and Chapter 13
• Mistakes to Avoid--Selling Your Home Just Because You're Behind on Property Taxes
• Mistakes to Avoid--Selling Your Home Because You Owe Income Taxes
• Mistakes to Avoid--Selling Your Home Because You Can�??t Afford the Mortgage Payments
• Mistakes to Avoid--Selling Your Home to Pay off Your Ex-Spouse
• Mistakes to Avoid--Selling Your Home to Prevent Its Foreclosure
• Mistakes to Avoid--Selling Your Home under Pressure instead of Waiting until a Better Time
• Mistakes to Avoid--Selling Your Home without First Stripping the Second Mortgage
• Mistakes to Avoid--Selling Your Home out of Desperation
• Mistakes to Avoid--Prevent Judgment Liens against Your Home
• Mistakes to Avoid--Surrendering Your Vehicle or Getting it Repossessed
• Mistakes to Avoid: Paying a Favored Creditor Before Filing Bankruptcy
• Mistakes to Avoid: Selling or Borrowing against Assets Protected in Bankruptcy
• Big Mistakes to Avoid When Considering Bankruptcy
• Making Sense of Bankruptcy: Does Chapter 7 or Chapter 13 Better Protect Your Home?
• Making Sense of Bankruptcy: Protecting Your Home from Foreclosure with the "Automatic Stay"
• Making Sense of Bankruptcy: Important Exceptions to the Protections of the "Automatic Stay"
• Making Sense of Bankruptcy: 5 More Powerful Ways Chapter 13 Saves Your Home
• Making Sense of Bankruptcy: 5 Powerful Ways Chapter 13 Saves Your Home
• Making Sense of Bankruptcy: Using State Property Exemptions in Federal Bankruptcy
• Qualifying for Chapter 13
• The Truth about Qualifying to File a Chapter 7 Case
• Pay off Debt and Boost Your Credit with the �One-Two Payment Plan�
• Questions to Ask Yourself before Filing for Bankruptcy
• Strategies to Avoid Credit Card Debt
• Debt Dilemmas: Common Concerns about Chapter 13 Bankruptcy Process
• Benefits of Hiring a Bankruptcy Attorney
• Chapter 7 Bankruptcy: A Brief Overview of Eligibility and Asset Liquidation
• Bankruptcy Filing Questions
• FAQs about Chapter 7 Bankruptcy
• Credit Card Debt: Can I Keep My Credit Cards When Filing for Bankruptcy?
• Factors Which May Impact Chapter 13 Bankruptcy Eligibility
• Are There Alternatives to Bankruptcy?
• Bankruptcy Qualifications: Can You File for Bankruptcy Twice?
• Tips for Dealing with Debt Collectors
• Can Bankruptcy Stop Wage Garnishments?
• How Bankruptcy Laws and Your Finances May Affect the Bankruptcy Process
• The Importance of Following Bankruptcy Laws
• Floating Check Controversy: Whose Money Is It?
• Foreclosure Defense: Saving Your Home
• The Poverty Prejudice
• Will I Lose My Security Clearance If I File Bankruptcy?
• Should I Use Savings to Pay Off Debt?
• The Real Number One Reason for Bankruptcy Filings
• Fewer Bankruptcies Now, But Are More Coming?
• Understanding Wage Garnishment Laws in Texas
• RadioShack Receives Large Bankruptcy Loan Offer
• A Brief Guide to Managing Credit Card Debt
• How to Deal with the Debt of a Deceased Family Member in Texas
• Is Taking Out a Loan a Smart Way to Get Out of Debt?
• Tips for Homeowners Who Are Struggling with Mortgage Payment Difficulties
• Understanding the Different Forms of Debt
• What Does Bankruptcy Really Do to Your Credit Score?
• Qualifying for a Mortgage after Bankruptcy
• Federal Rules Debt Collectors Must Follow
• Bankruptcy Filers Can Now Use Rental History to Rebuild Credit
• Three Proven Methods to Improve Your Credit Score
• Texas Ranks as a Best State for Student Debt Among the $1.12 Trillion Owed Nationwide
• How Bankruptcy Can Be the Start of a More Secure Financial Life
• Four Ways to Manage Credit Card Debt
• Can Chapter 13 Bankruptcy Lead to a More Financially Stable Life?
• How to Determine Eligibility for Chapter 13 Bankruptcy
• Warning Signs of Financial Trouble
• Why Filing for Chapter 7 Bankruptcy May Be the Answer for You
• Rules of 341 Meetings in Bankruptcy
• Qualifying for Chapter 7 Bankruptcy
• Internal Revenue Service Issues: Tax Levies vs. Tax Liens Part Two
• Issues in State and Federal Minimum Wage Laws
• Internal Revenue Service Issues: Tax Levies vs. Tax Liens Part One
• Bankruptcy and Mental Health: Battling Negative Emotions
• Bankruptcy Concerns: Supreme Court Decides on IRA Exemptions
• The Truth behind Bankruptcy Filing
• The Financial Impact of Unpaid Medical Bills
• Exploring Texas Bankruptcy Options
• What Are Debt Collectors Allowed to Do?
• Rebuilding Life after Filing Bankruptcy
• Post-Grad Unemployment and the Struggles to Find a Job
• What Happens When Chapter 13 Bankruptcy and Divorce Meet?
• Creditor Judgments: What You Need to Know
• New Study Explores American Credit Card Debt
• Mythbusters: Common Credit Card Misconceptions
• Will Bankruptcy Destroy My Future Job Prospects?
• What Do I Need to File for Bankruptcy?
• Medical Bills & Personal Bankruptcy: An Unfortunate Trend
• Debt Coping: What to Do When a Child Passes Away
• The Cost of Care: Helping Elderly Parents
• Property Exemptions for Bankruptcy in Texas
• Career Athletes and Bankruptcy
• The Link Between College and Credit Card Use
• The Negative Physical Impacts of Financial Stress
• How Does Filing for Bankruptcy Affect My Credit Score?
• Bankruptcy and Federal Student Loans
• 2014 is the Year to Get Rid of Debt
• Are Cosigners Affected when Filing for Bankruptcy?
• What is the Texas Homestead Exemption?
• Knowing Your Rights with Debt Collectors
• Protecting Yourself From Refinancing Scams
• Can Anyone Stop my Personal Bankruptcy?
• What is a Chapter 20 Bankruptcy?
• What You Need to Know Before Filing for Bankruptcy
• Bankruptcy Terminology: What is Reaffirmation?
• State of Economy in Texas Remains Political Issue
• Avoid Bankruptcy by Keeping Your Debt under Control
• A New Baby Could be a Good Time for Financial Fresh-Start
• What Does an IRS Tax Levy Mean in Texas?
• Proposed Changes to Credit Score Reporting
• San Antonio Bankruptcy Options
• Insured Patients and Bankruptcy
• Which First, Divorce or Bankruptcy?
• A 341 Meeting in Texas: Bankruptcy Basics
• How Payment Methods Influence Consumer Spending Habits
• Small Business Bankruptcy Threatens San Antonio�s Future
• Bankruptcy and Your Credit Score
• Filing for Chapter 7 Bankruptcy
• How Bankruptcy Affects Retirement Planning
• Card debt being paid off at slower rates?
• Texas Deceptive Trade Practices Act saves bankruptcy case
• Texas Congressman Ruben Hinojosa emerges from bankruptcy
• Card debt being paid off at slower rates?
• All about Your Credit Score
• Determining Wants vs. Needs while Budgeting
• Chapter 13 Bankruptcy Can Help Stop Foreclosure
• Strategies for balancing your budget
• Strategies for Balancing your Budget
• Texas Homestead Exemptions Good for Ranchers
• Filing chapter 13 bankruptcy in Texas
• Social Security Benefits to be Protected in Bankruptcy
• What to Do When You Are In a Financial Crisis
• Bankruptcy May Be Better Than Consolidation
• Student loan debt may soon be eligible for discharge in bankruptcy.
• Bankruptcy Filings Dropped in February, But Remain High Overall
• Means Test for Bankruptcy | San Antonio Bankruptcy Lawyer
• The Zombie Title: A New Foreclosure Nightmare
• Texans Face Bankruptcy in Retirement | Texas Bankruptcy Attorney
• Bankruptcy Fraud Lands man in Jail | San Antonio Bankruptcy Lawyer
• Common Misconceptions about Bankruptcy | Texas Bankruptcy Lawyer
• Casey Anthony Files Chapter 7 | San Antonio Bankruptcy Attorney
• Contact
• Map & Directions
• Client Intake Form
• Resources
• Disclaimer
• New Braunfels Bankruptcy
• Boerne Bankruptcy
• Kerrville Bankruptcy
• Schertz Bankruptcy
• Privacy Policy
• Can I Save My Home?
• What Will Happen to My Car If I File for Bankruptcy?
• Will My Credit Be Forever Tarnished?
• Will Creditors Still Call and Harass Me?
• Client Intake Form