Grimes County Bankruptcy Lawyer
Texas law states that finance companies must give home owners a 20 day notice via certified or first class mail before they can put the home up for sale. These auctions occur the 1st Tuesday of every month but residents of Grimes County, Texas, who find themselves facing foreclosure can still stop the process. The attorneys at Busby & Associates are qualified to assist with a Chapter 13 bankruptcy which gives the home owner the opportunity to retain their property while making up the payments that are in arrears over the next 5 years. For those already on their 2nd mortgage but with no equity from the 1st there is an option to pay a reduced amount (pennies on the dollar) while the 2nd lien is being stripped and discharged during the process. Any property taxes and home association fees due may also be included in the bankruptcy.
Repossession of a Vehicle
Having your vehicle repossessed because you are behind in your payments to any of the dealerships listed below can significantly affect your ability to work or get around town. Busby & Associates can help you file a Chapter 13 bankruptcy with the vehicle included so that you can receive a lower interest rate or the amount owed on the vehicle can be modified. The new interest rate may be around 5% and the current fair market value of the vehicle is used as the new ‘owed’ amount. If your vehicle has already been repossessed then Texas state law provides a 10 day window during which an ‘emergency Chapter 13’ bankruptcy can be filed and back payments made under this umbrella.
Car dealerships in Grimes County, Texas:Auto of Navasota, Bluebonnet Motor, South Texas General Truck Sales, Team Thompson Country Ford-Mercury, Texas Exclusive.
Mobile HomeBank Notes
Falling behind on your mobile home payments can incur a loss of the property for Walker County residents living in any of the parks listed below. Instead of trying to find a new place to live it is important to contact an experienced Busby & Associate attorney so they can help you understand your options. A Chapter 13 bankruptcy provides that the mobile home can be appraised for its current value which then becomes the new ‘owed’ amount but must be paid in full within a 5 year time period instead of the usual 15 to 30 years.
Mobile home parks in Grimes County, Texas: Grassy Creek Mobile Home Park, Mobile Home Park, Shady Oaks Mobile Home Park, Shiro Mobile Home Park.
Credit Card Suits
If you want to avoid facing a credit card lawsuit through the Walker County Justice of the Peace Court system then you need to find out if you are eligible for a Chapter 7 bankruptcy under Title 11 of the Bankruptcy Code. Your attorney can help determine if you qualify based on your income range and total unsecured debt amount. This would include medical bills, credit card debt and any deficient amount owed on a repossession at a minimum. If you are approved then you can have the debt burden discharged in as little as 4 months after which you can update your credit report and start over.
Justice of the Peace Courts:
Bankruptcy Need to Know Info:
Grimes 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 and bankruptcy assistance to the following areas in Texas:
Cities within Grimes County – Anderson, Bedias, Lola, Navasota, Plantersville, Richards, Roans, Shiro, Stoneham, and Todd Mission
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.