We focus our services and expertise in the following areas:
Bankruptcy is a process in which consumers and businesses can eliminate or repay some or all of their debts under the protection of the federal bankruptcy code. Bankruptcies can generally be divided into two types — liquidation and reorganization. Chapter 7 is known as liquidation while Chapter 13 is known as reorganization.
Foreclosure is a scary process and in many cases people feel as if they are powerless to do anything about it. However, whether you want to keep your home or just want time to move out, there are options.
Texas is a non-judicial foreclosure state, which means that Texas does not require your mortgage company to sue you for the right to foreclosure. After acceleration of your note, your mortgage company is only required to give you 21 days notice of the foreclosure. There are several rights you have as a homeowner but because of the short notice period in Texas, you must act quickly.
Car lenders hold a lot of power in Texas. For example, missing one payment gives a lender legal right to accelerate the loan or repossess the vehicle. Compounding the situation and making it even worse is after the car is taken and resold, the car lender can bill you for the deficiency balance. However, don’t fret, there are a lot of things you can do to prevent this.
Lawsuits & IRS
Lawsuits can be scary but they don’t have to be. Most people don’t want to spend the money to hire an attorney to represent them. It is costly and the results are not guaranteed. However, doing nothing is the worst action you can take. Doing nothing allows the plaintiff to get whatever he/she wants. They literally get to draft the judgment that is signed by the Judge.