Foreclosure Tuesday in Texas on January 1

Foreclosure Tuesday in Texas on January 1

Texas real estate foreclosure sales Real estate foreclosure sales in Texas only occur on the first Tuesday of each month. There is no other day that real estate can be foreclosed in Texas. For 2013, New Years Day, or January 1, is the first Tuesday of January. Even though this is a national and state holiday,  … Read more

  Filed under: Foreclosure


Lost Or Almost Lost Vehicles

Lost Or Almost  Lost Vehicles

Is your vehicle collateral for a loan? Are you behind or concerned about being behind on a vehicle loan? Vehicle lenders are notorious for acting quickly and secretly. “ Here today, and gone today” could be a repossession agent’s motto. Look at the article below as to what happened to individuals in Texas with vehicle  … Read more

  Filed under: News


Holiday Special Performance

Holiday Special Performance

Christmas is a special time. A time to celebrate a new birth. One of our employees, Phillip Murrell, is one of the leading actors in a Christmas play entitled, “Ethan Claymore.” The play is at Theatre Suburbia, one of the older volunteer theaters in northwest Houston. The theater is located just off of Hempstead Road  … Read more

  Filed under: News


Will Filing Bankruptcy Eliminate All My Debt?

Will Filing Bankruptcy Eliminate All My Debt?

This answer draws a stereotypical lawyer’s response…it depends. Unsecured debts such as medical bills are generally discharged with little or no payment; however, secured debts and certain “priority” debts must be paid in full. Priority debts, such as child support and certain types of IRS tax debt, typically will be paid in full (chapter 13)  … Read more

  Filed under: Debt


Bankruptcy Myths You Have Heard From Friends # 3

Bankruptcy Myths You Have Heard From Friends # 3

Filing bankruptcy will ruin my credit!!! This is not accurate. Filing bankruptcy is an opportunity for a fresh start and not the end of your financial life. The typical individual filing for bankruptcy relief already has poor credit or is headed that direction. From the long term perspective, filing for bankruptcy will eventually improve your  … Read more

  Filed under: Filing bankruptcy


Bankruptcy Myths You Have Heard From Friends #2

Bankruptcy Myths You Have Heard From Friends #2

When it comes to filing bankruptcy, medical bills tend to be a significant portion of debt included in many bankruptcy cases. In fact Elizabeth Warren in Maxed Out (2006) noted that a significant number of middle class people are still forced into bankruptcy in spite of the fact that they have insurance coverage. In other  … Read more

  Filed under: Filing bankruptcy


The Gist Of Bankruptcy Exemptions

The Gist Of Bankruptcy Exemptions

You often here the misinformed dismissing bankruptcy as a viable debt relief option because, if you file, you will lose everything. NOT TRUE, NOT TRUE, NOT TRUE!!! Bankruptcy trustees, not the bankruptcy judge, only take non-exempt property. All states have exemptions schemes(admittedly some more liberal than others) that generally allow people in bankruptcy to keep  … Read more

  Filed under: Bankruptcy Information


What is a Chapter 13 Bankruptcy and Who Will I Pay?

What is a Chapter 13 Bankruptcy and Who Will I Pay?

A chapter 13 bankruptcy is often referred to as the “wage earner’s bankruptcy.” Chapter 13 allows you to create a payment plan to allow you to pay back your creditors over a three to five year time period. The amount of debt you will have to pay back depends on what is called the “means  … Read more

  Filed under: Chapter 13


Bankruptcy Myths You Have Heard From Friends #1

Bankruptcy Myths You Have Heard From Friends #1

There are many myths about bankruptcy you may hear floating among conversations by the misinformed. If you are faced with the decision of filing bankruptcy, make sure you are aware of the facts and don’t rely on what your uncle’s cousin’s friend once told you. For those who may be familiar with the concept (and  … Read more

  Filed under: Filing bankruptcy


Strike Back Against Harassing Collectors

Strike Back Against Harassing Collectors

WE SUE DEBT COLLECTORS!!! YOU HAVE RIGHTS AND BAKER & ASSOCIATES WILL PURSUE THEM. HAVE YOU EXPERIENCED ONE OR MORE OF THE FOLLOWING: Did a debt collector contact a family member, friend, or neighbor and tell them about your debt? Did this happen more than once? Did a debt collector threaten to use violence or  … Read more

  Filed under: Debt