Bankruptcy Lawyer in Houston TX

Bankruptcy is a process designed to help consumers and businesses eliminate or repay debts.  When the bankruptcy is filed, a court order called an “automatic stay” becomes effective and prohibits creditors from taking any further action against the filing party.  The automatic stay is extremely powerful…it can immediately stop debt collection/harassment, foreclosures, repossessions, lawsuits, judgments and garnishments.  The creditor cannot proceed against a debtor in bankruptcy unless the automatic stay is lifted by the court.

Although the stigma of bankruptcy varies greatly from person to person, there are benefits which must be considered before a decision can be made as to whether it is the right option.

Many people fail to seek bankruptcy counseling because they do not have a clear understanding of what it can offer.

Whether a person is seeking to file personal bankruptcy or business bankruptcy, all the facts must be discussed and reviewed in order to accurately weigh the pros and cons.

Our firm offers a free bankruptcy consultation so that the attorney can provide the prospective client valuable information regarding the entire bankruptcy process.

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Owning a home is part of the American Dream and the fear of losing the home in a foreclosure can be one of the most stressful encounters an individual can face.

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In Texas, there are guidelines on when creditors can garnish wages. A few examples are child support, IRS tax and student loan debt.

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Payday loans are short term loans that carry a very high interest rate. Typically, the borrower intends to pay the loan back within a few weeks.

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In order to file a Chapter 7 bankruptcy, an individual must qualify by passing the “means test.” The means test determines how much, if any, disposable income a person has to repay their debts.

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Unlike a Chapter 7 case, a person is not required to go through a means test to file a chapter 13.

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As a general rule, IRS debt is not dischargeable in bankruptcy. However, there are some exceptions where you may be able to discharge a portion of the debt.

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As a general rule, student loans are not dischargeable in bankruptcy. However, there are some very narrow exceptions where student loans can be discharged.

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Property taxes and HOA fees attach to the real property and for that reason they are treated as secured creditors in bankruptcy.

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Typically, when an individual falls behind on their home, the first thing they try to do is seek a loan modification with the lender.

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Melissa Lanier
Email Melissa

800 Rockmead Dr., Suite 220
Kingwood, Texas  77339-1742
Phone: 281.359.0100
Fax: 281.359.3466

MartinCWMPK-050-2-57Marta Montenegro Martin
Email Marta