An attorney at the firm of Busby & Associates can assist residents of Wharton County, Texas, who have been served a 20 day notice of foreclosure via first class or certified mail. By law, finance companies must provide this notice before they can sell the home at auction which is held in Texas the 1st Tuesday of every month. Your lawyer may recommend that you file a Chapter 13 bankruptcy so that you can save your property and the opportunity to have 5 years to pay the back payments owed. For those who have a 2nd mortgage with no property equity from the 1st loan there is the ability to pay a reduced amount (pennies on the dollar) during the discharge of this 2nd loan. Home association fees and property taxes are also eligible to be included under the bankruptcy process.
Repossession of a Vehicle
Wharton County residents that are behind on their auto payments to any of the dealerships listed below should seek the help from an attorney at Busby & Associates. A Chapter 13 bankruptcy has options for vehicle owners to pay a lower interest rate (around 5%) or the current market value instead of the owed amount. If the vehicle has already been repossessed then an ’emergency’ Chapter 13 will need to be filed within 10 days of the event per Texas state law if you want to keep your vehicle. Under this provision the owner can keep the vehicle but assumes responsibility for making up the back payments.
Car dealerships in Wharton County, Texas: Don Davis Motor, Don Elliott Autoworld, Don Elliott Ford, Riceland Chevrolet, Richmond Road Auto Sales.
Mobile Home Bank Notes
Wharton County mobile home owners who reside in one of the parks below and have fallen behind on their payments need to contact Busby & Associates as soon as possible. An expert attorney will have the mobile home appraised for its current value which, under a Chapter 13 bankruptcy, becomes the new amount owed. The provision states that this updated value must be paid within a 5-year period instead of the previous 15 to 30 years on the original loan.
Mobile home parks in Wharton County, Texas: Allen Park, Allgayer Park, Caney Creek Park Mobile Home Park, Circle S Park, County Aire Mobile Home Park, Doree Park, Frazier Park, Johnny’s Mobile Home Park, Magnolia Mobile Home Park, North Meadows Estates.
Credit Card Suits
The Wharton County Justice of the Peace Courts are responsible for handling credit card lawsuits for this area. In order to avoid this process you need to speak with a representative from the Busby & Associate law firm as they can help you determine eligibility to file a Chapter 7 bankruptcy. This falls under the Chapter 11 Title Bankruptcy Code and is determined by income range and total amount of unsecured debt which includes credit cards, medical bills and other applicable items. If approved then your debt burden could be discharged within 4 months at which point your attorney can assist with cleaning your credit report so you can have a brand new start.
Justice of the Peace Courts:
Bankruptcy Need to Know Info:
Wharton 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 Wharton County – East Bernard, El Campo and Wharton.
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.