The firm of Busby & Associates can help Brazoria County, Texas, residents who have received a 20-day notice via first class or certified mail and are in the foreclosure process. It may be necessary to file a Chapter 13 bankruptcy which needs to be accomplished before the applicable 1st Tuesday of the month when the foreclosure auctions take place. This type of bankruptcy gives the home owner a chance to retain the property while paying the amount in arrears over a 5-year time period. If a 2nd loan is involved and there is no property equity from the 1st mortgage then you may be able to pay a minimal amount (pennies on the dollar) while this 2nd lien is being stripped and discharged during the process. If home association fees and property taxes are past due then they are also eligible to be covered under this same bankruptcy umbrella.
Repossession of a Vehicle
For Brazoria County residents who have purchased a vehicle from any of the dealerships listed below and have had it repossessed there is a 10-day window to file an ‘emergency’ Chapter 13 bankruptcy in order to get it back under Texas state law. A Busby & Associate attorney can evaluate the situation and determine if your situation falls within the parameters so you can get the vehicle and then pay the past due amount. If you have not yet had it repossessed then a routine Chapter 13 bankruptcy can still help you avoid this scenario by covering the vehicle and giving you the ability to pay a lower interest rate (around 5%) or the current market value instead of the ‘owed’ value.
Car dealerships in Brazoria County, Texas: Auto Equation, Leo Martin Chevrolet Inc, Penske Truck Rental, Snider Transmission, Texas Truck and Body.
Mobile Home Bank Notes
If you reside in one of the mobile home parks located in Brazoria County (shown below) and are behind on your payments then you need to speak with a Busby & Associate representative to find out how to keep your home from being taken by the finance company. Under a Chapter 13 bankruptcy you may be eligible to have the mobile home appraised for its current market value to be paid within a 5-year time frame. This replaces the previously owed amount that had a 15 to 30 year term and lowers the payment due at the same time.
Mobile home parks in Brazoria County, Texas: Angleton Mobile Home Park, Bronco Bend RV Park, Lamplight Park, Oak Crest of Manvel, Pearland Heights Mobile Parks, Sun Meadows Mobile Home Park, Tranquility Village Mobile Home Park.
Credit Card Suits
A Chapter 7 bankruptcy under the Chapter 11 Title Bankruptcy Code may be the solution to any credit card lawsuits that you are facing in the Brazoria County Justice of the Peace Court system. A Busby & Associate attorney can assist you in the means test which determines eligibility based on income range and total amount of unsecured debt. This includes credit cards, medical bills and other applicable items as outlined in the regulations which are familiar to your lawyer. An approved Chapter 7 can be discharged in as little as 4 months after which you can start working on clearing your credit report and starting over for a new future.
Justice of the Peace Courts:
Bankruptcy Need to Know Info:
Brazoria 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 Brazoria County – Alvin, Angleton, Brazoria, Brookside, Clute, Danbury, Freeport, Lake Jackson, Liverpool, Manvel, Oyster, Pearland, Richwood, Sandy Point, Surfside, Sweeny, West Columbia.
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.