Posts by Javier Aponte

Can You File for Bankruptcy If You Have a Personal Injury Claim? Yes, you can. And it’s a situation more common than most realize. Texans dealing with medical debt, lost wages, or financial hardship after an injury often wonder how bankruptcy will affect their compensation. The good news? In many cases, your personal injury settlement…

What’s the Real Deal with Bankruptcy and Your HELOC in Texas? If you’re juggling financial pressure and staring down a home equity line of credit (HELOC), you might be asking, “Can I keep my house if I file bankruptcy in Texas?” or “How is my HELOC treated in bankruptcy?” These are incredibly common—and important—questions for…

Can You Discharge Student Loans Through Bankruptcy in Texas? If you’ve found yourself buried under a mountain of student debt in the Lone Star State, you’re not alone—and you’re probably wondering: Can bankruptcy eliminate student loan debt for Texans? It’s one of the most searched financial questions in Texas, and for good reason. Here’s the…

What’s the Real Story Behind Divorce and Bankruptcy in Texas? Divorce can be emotionally draining—but the financial aftermath? That’s a whole other challenge. Many Texans emerge from divorce not only with broken hearts but also with hefty debt, lowered credit, and little clarity on how to start over. If you’re facing unpaid credit card balances,…

Facing Mounting Utility Bills in Texas? Here’s What You Can Do It’s 100 degrees outside, and your AC bill just hit triple digits. Add water, electric, and gas, and your utility bills in Texas start to resemble a mortgage payment. If you’ve fallen behind and the shut-off notice arrives, you might be wondering: Can bankruptcy…

Wondering What Happens to Your Car in a Texas Bankruptcy? If you’re filing for bankruptcy in Texas, one of the first questions you’re likely asking is:“Will I lose my car?” It’s a valid concern—your vehicle might be how you get to work, pick up your kids, or simply stay connected with everyday life. The answer…

What’s the Real Cost of Buy Now, Pay Later (BNPL) Debt in Texas? You’ve probably seen it everywhere: “Buy now, pay later—no interest, no credit check!” Sounds great, right? But in Texas, those seemingly harmless BNPL plans are causing serious debt problems. Texans are increasingly turning to short-term financing platforms like Afterpay, Klarna, and Affirm.…

What’s the Best Way to Stop Foreclosure in Texas? If you’re falling behind on mortgage payments and facing the possibility of losing your home, you’re likely asking: Can bankruptcy stop foreclosure in Texas? The answer is yes—under the right circumstances, bankruptcy can offer powerful protections that give you time to catch up and keep your…

Can You Discharge Student Loan Debt Through Bankruptcy in Texas? Short answer: It’s possible, but not easy. While most types of unsecured debt can be wiped clean through Chapter 7 or restructured under Chapter 13 bankruptcy, student loan debt is notoriously harder to discharge. To qualify, Texans must prove “undue hardship” under the Brunner Test,…

Can I Be Sued While Filing for Bankruptcy in Texas? Yes — but there’s a big “but.” While it’s technically possible to be sued before your bankruptcy is officially filed or approved, Texas bankruptcy laws offer key protections once your case is in motion. That’s where knowing your rights and the timing of legal filings…