Testimonials

BBB Accredited

Stop Foreclosure

If your home is scheduled for Foreclosure, a Chapter 13 court protected repayment plan will stop the foreclosure dead in its tracks.

In Chapter 13, you will be provided the opportunity to get caught up on your mortgage payments over a three to five year period, with reasonable monthly payments.

As soon as you file for Chapter 13, the automatic stay serves to put an end to the foreclosure lawsuit. However, you must file your Chapter 13 before your home is sold at a foreclosure sale.

Contact us immediately if you have received notice that your home is approaching a foreclosure sale.

If you are dealing with the foreclosure of your home, consult a competent bankruptcy attorney to find out what works best in your situation. Contact us today via email or at (214) 740-1160 for a free, no obligation consultation at any of our Dallas area offices.

Halt Repossession

If you are behind on your car payments, your car lender may repossess your car at any time. Chapter 13 provides a solution.

In Chapter 13, your car will be protected and you may modify your car loan down to the fair market value of the vehicle. This will reduce the amount, and usually the interest rate, that you must pay for the vehicle. Even if your car has already been repossessed, if you file for Chapter 13 protection, your car lender must return the vehicle to you as long as you contact us immediately after the repossession takes place.

If your car has already been sold at auction, you may not be able to demand the return of your vehicle. Contact us today via email or at (214) 740-1160 for a free, no obligation consultation at any of our Dallas area offices.

Re-set Wage Garnishments

Filing bankruptcy, either Chapter 7 or Chapter 13, can protect your paycheck and stop wage garnishments by the IRS, for back child support, and student loans.

If you are dealing with wage garnishments, consult a competent bankruptcy attorney to find out what works best in your situation. Contact us today via email or at (214) 740-1160 for a free, no obligation consultation at any of our Dallas area offices.

Eliminate Back Taxes

If you are having trouble with the IRS due to back taxes, bankruptcy may be a solution. The taxes you owe may be reduced or even eliminated by filing for bankruptcy. A Chapter 13 bankruptcy will allow you to pay off the IRS and back taxes over a three to five year period, frequently without incurring interest or penalties. Back property taxes, such as county or school district taxes, can often be paid back over three to five years in a Chapter 13 bankruptcy.

If you are facing financial difficulty and are dealing with back taxes, consult a competent bankruptcy attorney to find out what works best in your situation. Contact us today via email or at (214) 740-1160 for a free, no obligation consultation at any of our Dallas area offices.

Stop Collections Calls

As soon as you file for bankruptcy, your creditors may no longer contact you.

If creditors are calling day and night, you should consider bankruptcy protection. Contact us today via email or at (214) 740-1160 for a free, no obligation consultation at any of our Dallas area offices.

Replace Credit Counseling

Many consumers seek help from credit counseling organizations in managing their debt or "repairing" damaged credit. But as the demand for credit counseling has increased, the nature of these agencies has changed, and many credit counseling agencies do not have your best interests at heart. Federal regulation of the credit counseling business is fairly loose and state regulation is generally ineffective. That means that you must be very cautious when contracting with a credit-counseling agency. Many consumers seek assistance to educate themselves and do the right thing by addressing their debt problems only to be taken advantage of by consumer credit counseling services that promise credit repair, reduced payments, and miraculous results in an impossibly short time frame. As the saying goes, if it seems too good to be true, it probably is. Not only might these counseling services not help, they can actually increase your indebtedness. Many people trying to avoid bankruptcy are unaware that credit counseling also reflects negatively on your credit report.

Which is the better choice, credit counseling or bankruptcy? To use a credit-counseling agency to help you pay your debts, you must have the income to do so. You must make a payment each month to the agency, which will then pay your creditors. However, if you miss a payment any one creditor can refuse to continue in your plan and all your creditors may not agree to participate in the plan to begin with. Also, the plan usually requires that all debts be paid in full. In comparison, in a Chapter 13 bankruptcy, depending on your income and expense you may pay only a small fraction of certain debts (non-priority unsecured debts).

If you need information so you can choose between credit counseling and bankruptcy protection, contact us today via email or at (214) 740-1160 for a free, no obligation consultation at any of our Dallas area offices.

If credit counseling is not working

You are not alone if you tried credit counseling only to find out that it is not working or has turned out to be different than advertised. Consumers nationwide have been misled into credit counseling programs that are expensive, unenforceable under state and federal law, and damaging to credit ratings.

If you believe that you may be a victim of credit improvement fraud, you should immediately file a complaint with the FTC by calling toll free: 1-877-FTC-HELP, or online at www.ftc.gov.

If your credit counseling program is simply not working or if you need information so you can choose between credit counseling and bankruptcy protection, contact us today via email or at (214) 740-1160 for a free, no obligation consultation at any of our Dallas area offices.

Erase Credit Card Payments

Filing Chapter 7 or Chapter 13 can put an end to those never ending credit card payments. You may qualify for a complete discharge of your credit card debt in Chapter 7 which provides complete relief from these debts. If you file Chapter 13, then you will be required to pay a portion or all of your credit card debt through a court protected repayment plan. The percentage of your credit card debt that is paid through your Chapter 13 repayment plan depends upon your monthly budget and ability to pay: it could be as low as zero percent! Even if you pay all of your credit card debt, it will almost always be interest free. Contact us today via email or at (214) 740-1160 for a free, no obligation consultation at any of our Dallas area offices.

Divorce and Bankruptcy

Unfortunately divorce and bankruptcy often go hand in hand. According to marriage and family therapists, money is the number one stress factor in many relationships. Each spouse is likely to believe that the other is mostly responsible for the couple's financial situation. Money problems can cause a marriage to fall apart and bankruptcy will impact a divorce as well. If you are in the process of divorce and you or your spouse files for bankruptcy, the divorce proceedings will come to a screeching halt until the bankruptcy court grants approval. Ideally, you and your spouse should cooperate and file jointly before divorce. However, a divorce that occurs during an ongoing bankruptcy can be accomplished.

In most cases both spouses are responsible for the debts incurred during the marriage. A divorce settlement will divide up the debts, assigning responsibility for some debts to one spouse and some to the other. But that divorce settlement is between you and your ex-spouse; it doesn't bind the creditor, who can collect the debt from either one of you. This means if your ex-spouse doesn't pay his or her share of the debts, the creditor can come after you for payment. If your ex files for bankruptcy after the divorce, the creditors will look to you to repay those debts. If you were barely making ends meet before that happens, your spouse's bankruptcy could send you into bankruptcy as well.

If your spouse files for bankruptcy after a divorce has been filed but before it has concluded, the divorce court will have to wait until the bankruptcy court approval is finished to divide marital property, but the court can still award custody, visitation, child support, alimony and even grant your divorce. If bankruptcy is filed after the final divorce judgment, the former spouse still has to pay child support and alimony if awarded. For those reasons, it may make more sense for you and your spouse to file for bankruptcy before getting divorced. At least that way you will know where you really stand when it is time to divide the property. You and your spouse need to be able to work together on a certain level to accomplish this. If your relationship has deteriorated to the point where you can't communicate with each other, this obviously makes things more difficult.

Each situation is different. Consult a competent bankruptcy attorney to find out what works best in your situation. Contact us today via email or at (214) 740-1160 for a free, no obligation consultation at any of our Dallas area offices.