bankruptcy blog

Some people assume that filing for bankruptcy in Houston will blacklist them from ever getting credit again. This is not true, as many people find themselves with the best credit they have had in years after a bankruptcy. There are even lenders who specifically lend to post-bankruptcy consumers. However, the credit process does take time  … Read more

The debt collection industry has never been a pleasant one for anyone on the receiving end of the phone call. In recent years the aggressiveness of collectors and their methods are revealing some disturbing trends. While some consumers are fighting to repay debts they owe, many other are facing consequences of debt collections on debts  … Read more

Debt relief scams are, unfortunately, becoming more of a problem. With a debt relief company on nearly every corner, consumers simply don’t know the how to spot the differences between a legitimate company and one that is likely to tie them up in a scam. Charges were filed last week against a California company accused  … Read more

Debt problems are stressful and many people a sense of panic, especially when debt collectors or notices of foreclosure are involved. Whether you are experiencing a financial hardship on the horizon or are literally driving around to avoid the repo man, the timing of your bankruptcy filing is important. The Countdown The best time to  … Read more

As parents, we work hard to ensure our children eat their vegetables, brush their teeth, and finish their homework, but one important life lesson that can easily be pushed to the back burner is smart money management. Children are like sponges and learn much of their overall habits in life from their developing years. Why  … Read more

When searching for solutions for managing overwhelming debt you may have come across the bankruptcy process. Most people know very little about bankruptcy, and what they do know is often clouded by misinformation. In order to make an informed debt relief decision, it is important to learn about  the Chapter 13 bankruptcy process and its  … Read more

If you have defaulted on your debt payments you could be sued by your creditors for repayment. Lawsuit consequences can range from wage garnishment to asset seizure and liquidation. Finding yourself on the receiving end of a creditor lawsuit can be serious, but you do have options for fighting back. Order Of The Court One  … Read more

It is a common concern of most people that filing for bankruptcy will damage your credit. Not only is this a  myth, it actually has prevented people from getting the relief they desperately needed. While there are some credit challenges that come with bankruptcy, there is certainly more damage to be done by not filing  … Read more

If you have ever been behind on your debt payments you have probably experienced debt collections like letters of delinquency or calls to settle the debt. For some, debt collection annoyances go beyond the mail and telephone to the garnishment of their paycheck. Wage garnishment orders can be ordered without you even knowing, leaving you  … Read more

If you are in the boat for debt relief filing for bankruptcy is one solution to get you on track to a solid financial future. While both Chapter 7 and Chapter 13 bankruptcy can benefit you they each come with a different plan of action, as well as considerations. Choosing A Chapter A Chapter 7  … Read more