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January 2015 Archives

Considering Chapter 13 bankruptcy

Financial difficulties for Texas residents can range in magnitude, making it important to evaluate your options as you take on a specific situation. When those challenges extend to many debts or involve an extreme life change, you may find that filing bankruptcy becomes a serious consideration. However, bankruptcy isn't always the best solution. Even when you do find that bankruptcy appears to be the route to take, it is important to have solid counsel to ensure that your filing is accurate and appropriate.

Mortgage foreclosure can prevented if action taken

Many U.S. citizens hope to own a home now or in the future. Yet, the rising cost of living often prevents people in Texas from being able to afford their house. Bills begin to mount, and calls from lenders become more frequent. In some situations, foreclosure is unavoidable.

Halting foreclosure through Chapter 13 bankruptcy

Homeowners in Texas who are both overwhelmed by unmanageable debt levels as well as the specter of foreclosure may be unaware that filing Chapter 13 bankruptcy can both provide relief from their debt as well as halt the foreclosure of their home. Unlike the liquidation under Chapter 7, Chapter 13 bankruptcy provides a vehicle through which filers may take control of their delinquencies and save their homes.

What can be done to stop debt collectors from contacting me?

People in Texas who are behind in their financial obligations often feel harassed by the constant phone calls and letters they probably receive from debt collectors. The practices in which debt collectors engage in order to try to collect on owed debts is governed by the Fair Debt Collection Practices Act, a federal law that regulates their behavior and actions.

Limits on debt collection activities in Texas

Collection agencies and other such companies that wish to collect on a consumer debt must abide by the federal Fair Debt Collection Practices Act. This prevents them from abusing people as they attempt to force payment, engaging in oppressive and unfair tactics, harassing debtors or using such techniques against people the debtors may know.

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Plano office
Sherman office
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Plano Office
1312 14th Street, Suite 100
Plano, Texas 75074

Phone: 972-608-0335
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Sherman Office
905 North Travis Street
Sherman, Texas 75090

Phone: 903-813-4778
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Dallas Office
6060 North Central Expressway, Suite 602
Dallas, Texas 75206

Phone: 214-733-1775
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