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Tax Refunds and Disposable Income in Chapter 13 Bankruptcy   Disposable income refers to that part of your total income which is in excess of the income you require for reasonable and necessary expenses such as food, transportation and shelter. Form 22C which is submitted by the debtor as a part of the Chapter 13 bankruptcy petition states the disposable income which is used to pay your non-priority unsecured creditors.  Your t
Be careful of your first credit card after bankruptcy. We inform our clients that after their bankruptcy is done, they will get solicitations in the mail for new credit cards, car loans and furniture loans. But you need to be careful when you get your first credit card after bankruptcy. There are traps for the unwary. This very good
MOBILE HOME REPOSSESSION AND CHAPTER 13 BANKRUPTCY There are two types of loan; the first type is a personal property loan when you rent a lot. The second type is a mortgage tied into the land a home is built on this is when you own the lot. With the two types of loan options, mobile home repossession can follow these steps once you can’t pay loan that is behind and thus go into default. Such mortgage loan will need pre-foreclo
HOW CHAPTER 13 BANKRUPTCY STOPS THE REPOSSESSION   [embed]https://www.youtube.com/watch?v=m5h9Bdfhbf8[/embed] If you seem to be behind on your mortgage or payment of car you have been trying to review your debt relief options. The options available are not many to help you come out from debts and then allow you to protect maybe your home or your car from being override by creditors. Meanwhile, the pr
Bankruptcy the day after discharge in bankruptcy You have received your bankruptcy discharge at the end of your Chapter 7 or Chapter 13 case. You are anxious to get a fresh start. It is important to keep copies of your bankruptcy petition, schedules, and order of discharge for your records. You can retrieve these documents from the court later, if you lose them. However,
Do you have a mortgage with Ocwen, Nationstar or Greentree and seek loan modification help in Houston? Here is what you need to be aware of when seeking loan modification help in Houston You may have seen the ads or heard the radio solicitations from these companies. You may have received offers in the mail. Your house may be up for foreclosure. You are looking for loan modification help in Houston. Should you turn to one of these companies t
 Do you seek Loan Modification Help in Brazos County or have a mortgage with Texas Liberty Mortgage Company, SWBC Mortgage Corporation, Legacy Texas Mortgage or Oxford Mortgage?  Here is what you need to be aware of when seeking Loan Modification Help in Brazos County Texas Liberty Mortgage Company, SWBC Mortgage Corporation, Legacy Texas Mortgage or Oxford Mortgage You may have see
Bankruptcy fraud as a crime Bankruptcy fraud is a white-collar crime that takes four general forms. First, debtors conceal assets to avoid having to forfeit them. Second, individuals intentionally file false or incomplete forms. Third, individuals sometimes file multiple times using
If you are looking to save assets in bankruptcy, it is possible. If done correctly. There is a saying in bankruptcy that pigs get fat and hogs get slaughtered. You do not want to get Slaughtered. You only want to get Fat.  This is Reason F for filing bankruptcy.
We discussed how to protect assets in bankruptcy cases in an earlier post. Just a few
Texas Personal Property Exemptions Increase Why it matters. On September 1, 2015, the State of Texas increased its personal property exemptions by a large margin. Exemptions are important because they used by Debtors both in protecting assets in bankruptcy and from judgment creditors in state court lawsuits. Texas already had generous personal property exemptions, but this recent increase makes Texas an even better place
Buying a car with Bad credit in Southwest Houston Many times we are asked about buying a car with bad credit. Usually, it’s from our clients that are currently in chapter 13 bankruptcy. Many times, it can be former clients who filed bankruptcy a while back, or even new, potential clients of ours that need a car but have bad credit. Is buying a car with bad credit easy? Is buying a car with bad credit easy?
Can Credit Union Take Money From Your Account ? The short answer is yes. And here's how. We recently wrote a blog post letting people know that their bank cannot take money from their bank account to pay their delinquent credit card accounts. As w
The majority of problems have multiple solutions, some of which you can handle on your own and others that require the expertise of a licensed and qualified professional. When it comes to overwhelming debt issues there are different approaches to be considered but for a permanent and long-lasting result it is necessary to contact the top bankruptcy attorneys in Houston for help. This can be a difficult step to take because people don’t want
Do you have a mortgage with Wells Fargo, JP Morgan Chase or Bank of America and seek loan modification help in Harris County?  Here is what you need to be aware of when seeking loan modification help in Harris County You may have seen the ads or heard the radio solicitations from these companies. You may have received offers in the mail. Your house may be up for foreclosure. You are lookin
An individual’s financial decisions can have a wide range of effects on all areas of their personal and professional life so it is important to understand what can and cannot be done with your wages and assets and how to proceed in financial transactions. In many cases it is best to speak with a lawyer to ensure that Texas and Federal laws are being followed and that creditors are not taking advantage of your inexperience and lack of knowledge.
Secured debt bankruptcy Chapter 7 bankruptcy provides several options for dealing with secured debts and the items of property that serve as collateral for those debts. If you don't take steps to keep the property, you may lose it during the bankruptcy. To start, learn about secured deb
I can't pay my chapter 13 Part 2 – Give some stuff up - Like your Hummer  As bankruptcy attorneys, we frequently hear clients say “I can't pay my chapter 13 payment.” Life happens. People get sick, miss time at work, lose jobs, get divorced and lose income. All of these factors, plus many more contribute to I can't pay my chapter 13 payment. When you fall behind on you
Can Your Bank Take Money from Account to pay credit card? The quick answer is No. Read more to find out why Cathy Moran is an excellent bankruptcy attorney in the San Francisco area. She maintains a great website called The Soap Box  . She recently wrote a great articl
Understanding the Impact of Payday Loans A payday loan, also known as a deferred presentment transaction, refers to a short term loan in which a lender advances cash to the borrower against a personal postdated check (or authorization to debit a deposit account). The amount of this check includes the cash advance provided to the borrower as well as a specific fee charged on this advanced amount. If the