If you live in Galveston County, Texas, and have been served a 20 day notice via certified or first class mail for a foreclosure on your home it is important that you retain legal counsel as soon as possible. The firm of Busby & Associates can help you stop the sale of your home which occurs in Texas on the 1st Tuesday of every month by filing for a Chapter 13 bankruptcy. The purpose is to give the owner an opportunity to pay the past due amount over a 5 year period while still keeping possession of the home. If you have a 2nd loan on the home but no property equity because of the 1st loan then the secondary note can be paid for pennies on the dollar after it is stripped and discharged during the process. When the home falls under a home association with dues or is past due on property taxes then these may also be brought under the bankruptcy.
Repossession of a Vehicle
A Chapter 13 bankruptcy can help stop the repossession of a vehicle if you owe payments to any of the dealerships listed below. Your Busby & Associate attorney can file this documentation for you and determine if you are eligible for a lower interest rate (around 5%) or the final amount due will be based on the current market value instead of the owed amount. Either option is meant to lower your payment so you can retain the vehicle and stay up to date. An ‘emergency Chapter 13 bankruptcy’can be filed per Texas state law within a 10 day windowof the vehicle already being repossessed so that the owner can assume responsibility for the back payments under the bankruptcy.
Car dealerships in Galveston County, Texas:Advantage BMW League City, Bob Pagan Toyota, Cash Money Towing LLC, Lexus of Clear Lake, Penske Truck Rental.
Mobile HomeBank Notes
Galveston County residents living in one of the mobile home parks listed below may find themselves falling behind on the payments but a Chapter 13 filing can help turn that around. With the help of a Busby & Associate attorney owners can have the mobile home appraised to determine its current value which replaces, under the bankruptcy, the amount that was owed. This lower financial amount must be completely paid within a 5 year time period instead of the general 15 to 30 yearsbut allows you to pay what it is worth and not the original number.
Mobile home parks in Galveston County, Texas: California Park and Storage, Bay RV Park, Green Cave Village, Safari RV Parkland Mobile Home, Sun Meadows Mobile Home Park, Steele Village RV Park.
Credit Card Suits
Credit card lawsuits are conducted through the Galveston County, Texas, Justice of the Peace Courts and residents facing this proceeding should seek legal assistance prior to their court appearance. A Chapter 7 bankruptcy under the Chapter 11 Title Bankruptcy Code can be filed in order to avoid this action but eligibility must first be determined. The lawyers at Busby & Associates are aware of the guidelines and means test which considers the income range and total amount of unsecured debt including medical bills, credit cards and other applicable charges. Once approved for this bankruptcy option, all debt can be discharged within a 4 month time period after which the attorney can help ensure that your credit report is updated for a clean start.
Justice of the Peace Courts:
Bankruptcy Need to Know Info:
Galveston County, Texas, residents will attend Bankruptcy Court at 601 Rosenberg, Galveston, Texas 77550 (location of USPS office and local Courthouse). The one trustee for Chapter 13 and one trustee for Chapter 7 filings are located at the Southern District of Texas/Galveston Division. Please be advised that bankruptcy is Federal Law.
Busby & Associates Information:
This firm provides legal service and bankruptcy assistance to the following areas in Texas:
Cities within Galveston County – Algoa,Baycliff, Bayou Vista, Bayview,Bolivar, Clear Lake Shores, Crystal Beach,Dickinson, Friendswood, Galveston, Gilchrist, High Island, Hitchcock, Jamaica Beach, Port Bolivar, Tiki Island, and San Leon.
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 firstname.lastname@example.org to schedule a no-obligation consultation to discuss your bankruptcy or legal options.