A Chapter 13 bankruptcy can help stop the foreclosure process for Walker County, Texas, residents facing the unwanted sale of their home. The first step is to contact an attorney at the firm of Busby & Associate so they can assist with the filing and explanation of process details. For instance, finance companies must give home owners a 20 day notice through first class or certified mail before they can sell the home at an auction held the 1st Tuesday of every month in Texas. Even if you have received this there is still time to reverse the process by filing as quickly as possible with the appropriate court. The Chapter 13 bankruptcy allows you to make up the back payments over a period of 5 years even if association dues and property taxes are also behind. If you are on your 2nd mortgage but have no property equity from the 1st then you can pay pennies on the dollar while this 2nd lien is being stripped and discharged through the process. Check with your attorney for more details on how you can save your home from foreclosure.
Repossession of a Vehicle
If you are behind on your car payment with any of the dealerships shown below and believe your vehicle is about to be repossessed then you need to speak with a Busby & Associate lawyer. This legal representative can help you file a Chapter 13 bankruptcy which will cover the vehicle so that you can make lower payments through one of two options. The interest rate can be lowered to approximately 5% or instead of paying the owed amount you are now responsible for the fair market value figure. If the vehicle has already been repossessed then an ‘emergency Chapter 13’ bankruptcy will need to be filed within 10 days (per Texas state law) of this event. This will allow the owner to retain the vehicle but still make payments under the bankruptcy.
Car dealerships in Walker County, Texas:Hillcrest Ford Lincoln Mercury Inc.,Penske Truck Rental, Team Dodge Chrysler Jeep, Team Dodge Chrysler Jeep of Huntsville, Weisner Huntsville.
Mobile HomeBank Notes
Walker County residents who are behind on their mobile home payments with one of the parks listed below can find relief through a Chapter 13 bankruptcy assisted by a lawyer from Busby & Associates. The process includes an appraisal of the mobile home to determine its current market value which becomes the new amount owed and must be paid in full within a 5 year period. The purpose is to replace the higher owed amount which was due over a 15 to 30 period but now you only have to pay what it is worth instead of the previous figure.
Mobile home parks in Walker County, Texas: Alsey Mobile Home Park, April Point Mobile Home Park, Campus Crest of Huntsville, Cedar Valley Mobile Home Park, Dogwood Mobile Home Park, Hidden Valley Mobile Home Park, Little L Mobile Home Park.
Credit Card Suits
A Chapter 7 bankruptcy (located under Title 11 Bankruptcy code) is one of the primary options for Walker County residents facing credit card suits by the Justice of the Peace Courts. Eligibility is determined by your income range and total amount of unsecured debt which generally includes medical bills, credit cards and deficiency on a repossessed vehicle. A Busby & Associate attorney can assist with the means test, bankruptcy process and post-discharge credit report update so that individuals can have a clean slate in as little as a 4 month time frame.
Justice of the Peace Courts:
- Walker County Justice of the Peace Court: Precinct 1
- Walker County Justice of the Peace Court: Precinct 2
- Walker County Justice of the Peace Court: Precinct 3
- Walker County Justice of the Peace Court: Precinct 4
Bankruptcy Need to Know Info:
Walker 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 Walker County – Dodge, Huntsville, New Waverly, Riverside
Texas Counties – Austin, Brazoria,Brazos, Chambers, Colorado, Fayette, Fort Bend, Galveston, Grimes, Harris, Madison, Matagorda, Montgomery, San Jacinto, Walker, Waller, and Wharton.
Please visit our website for more information about us or view our video with Bankruptcy Information.
Residents can contact our firm at (713) 974-1151 or email us at [email protected] to schedule a no-obligation consultation to discuss your bankruptcy or legal options.
