Residents of Brazos County, Texas, who are facing the foreclosure process need to contact a bankruptcy attorney at the firm of Busby & Associates as soon as possible so they can find out what options they have. Individuals must be provided a 20 day notice that has been sent via certified or first class mail before any sale of the home can take place which in Texas occur on the 1st Tuesday of every month. The legal attorneys at Busby & Associates can assist by filing a Chapter 13 bankruptcy which allows the individual to catch up on the back payments over a period of 5 years thereby saving the home from being sold. For those with a 2nd loan and no property equity because of the initial loan, the 2nd lien can be stripped so that a minimal amount (pennies on the dollar) is paid during the discharge and release of the 2nd note. If there are association dues and property taxes owed then these can also be paid through the bankruptcy in order to stop the foreclosure.
Users can go online to The Brazos County Justice of the Peace Court to check for Foreclosure notices in your city.
Repossession of a Vehicle
Individuals facing the potential repossession of their vehicle through one of the dealerships shown belowcan avoid this process by filing a Chapter 13 bankruptcy with the expert services of Busby & Associates. Instead of paying what you owe to the car dealership, owners may be able to pay what it is worth (fair market value) and/or at a lower interest rate than what you currently have. These options both offer a lower amount than what is currently owed and save the vehicle from being taken. If the repossession has already taken place, you may still have the option to get it back via an ‘emergency Chapter 13 bankruptcy’ which the attorney can file with Brazos County so that the individual can pay the amountthat is in arrears. This process must take place within a 10 day window per Texas state law so time is critical if you are trying to recover your vehicle.
Car dealerships in Brazos County, Texas:Highway 6 Auto Sales, Whitley Jim Motors, Extreme Auto Sales, Bossier Automotive Group, Fred Brown Mazda BMW or Volkswagen Service & Parts
Mobile Home Bank Notes
If you reside in one of the mobile home parks listed below then a Busby &Associate attorney may be able to assist if you are behind on the bank note so that you do not risk losing your place to the finance company. A Chapter 13 bankruptcy can be filed on your behalf allowing you to pay the current fair market value instead of what is actually owed. The mobile home must be appraised and this amount paid within a 5 year time frame instead of the 15 to 30 years which is common for residential loans. The benefit is that the appraised value may be significantly lower than the owed amount making it easier to pay off in the shorter time frame.
Mobile home parks in Brazos County, Texas: Holiday RV Park, Rolling Ridge Park, Primrose Lane RV Park, Krenelas Mobile Park, Oakwood, Stone Haven Community, Oak Creek LLP
Credit Card Suits
If you are facing a credit card lawsuit from one of the Brazos County, Texas, Justice of the Peace Courts shown below then you need to consider filing for a Chapter 7 bankruptcy. Busby & Associates law firm can determine if you are eligible for this type of bankruptcy under the Chapter 11 Bankruptcy Code title based on your income range and unsecured debt amount which includes medical bills, credit cards, non-payment on vehicle repossession, etc. In these cases, you may be allowed to retain your property and have the debt amount discharged in as little as 4 months so that you can move forward with a fresh start. Your attorney can help ensure that your credit report is updated after the completion of this process.
Justice of the Peace Courts:
Bankruptcy Need to Know Info:
Brazos County, Texas, residents will attend Bankruptcy Court at 515 Rusk, Houston, Texas 77002. The two trustees for Chapter 13 and eight trustees for Chapter 7 filings are located at the Southern District of Texas/Houston Division. Please be advised that bankruptcy is Federal Law.
Busby & Associates Information:
This firm provides legal service to the following Texas areas:
Cities within Brazos County – Bryan, College Station, Kurten, Millican and Wixon Valley
Texas Counties – Austin, Brazoria,Brazos, Chambers, Colorado, Fayette, Fort Bend, Galveston, Grimes, Harris, Madison, Matagorda, Montgomery, San Jacinto, Walker, Waller, and Wharton.
Residents can contact our firm at (713) 974-1151 or email us at email@example.com to schedule a no-obligation consultation to discuss your bankruptcy or legal options.