Month: March 2011

Bankruptcy Hearings

Many times bankruptcy hearings are informal.  The First Meeting of Creditors is codified in section 341 of the Bankruptcy Code and is called the "341 hearing."  That name is very appropriate, although the title named to that section is typically misleading.  It is...

Small Franchisees and Bankruptcy

Many people have big ideas and a hopeful opportunity about starting a franchise such as a branch of a restaurant.  Maybe there is a large parent corporation, but the individual or husband and wife are offered a franchise and they take a chance.  Their very own...

Foreclosure and Loan Modification

The Obama home loan modification plan turned out to be a disaster.  Far too often, the banks told people that they needed certain documentation in order to qualify for a home loan modification.  However, once the homeowner would send that documentation off to the bank...

Driving While Intoxicated in Texas

Driving While Intoxicated in Texas (or DWI) is probably one of, if not the most arrested offenses in the State.  In order for the police officer to make an arrest, the cop only has to have probable cause in order to take you to jail.  In other words, the cop has to be...

Cram Downs in Bankruptcy

Congress changed the bankruptcy laws in 2005 about six months after George W. Bush signed them into law.  For all bankruptcies filed after October 17, 2005, every debtor has to complete a Means Test analysis to determine what their "disposable income" is on a monthly...

Texas Drunk Driving Laws

If you are pulled over in Collin County or Grayson County, or virtually and other county in North Texas and the police officer smells alcohol on your breath there is a better than not chance he or she is going to do an investigation as to whether they can find...

Avoid Foreclosure in North Texas

North Texans have had a real struggle in many cases in keeping up with their mortgage payments after the recession resulted in thousands of lost jobs.  Many Texans were forced to file for unemployment with Texas Workforce Commission.  Sometimes that just wasn't enough...

Bankruptcy and Credit Card Debt

Credit card debt can literally wear you out.  The debt isn't so bad, but ridiculous interest rates and over the limit fees and late payment penalties can make you feel like even if you are trying your best, all of your efforts are in vain.  Most people turn to the...

Bankruptcy Hearings

Typically, there is no hearing in front of a judge or jury in bankruptcy court.  In the normal Chapter 7 Bankruptcy case a 341 meeting, or First Meeting of Creditors is held around 45 days after the date the case is filed.  Ordinarily, there are no creditors that...

Allen DWI

If you are pulled over for an offense and an officer smells alcohol on your breath in Allen, Texas then there is a good chance that the officer will ask you to submit to some Standardized Field Sobriety Tests.  Those tests are for the officer to be able to justify...

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