Posts by Javier Aponte

Let’s be honest: dealing with medical debt can feel like trying to drain the ocean with a spoon. You’ve just come through a tough time health-wise, and now you’re met with bills that seem endless. You’re not alone—medical debt is one of the leading causes of financial stress in Texas, and it’s not hard to…

Foreclosure. It’s one of those words no homeowner wants to hear. It sounds stressful, daunting, and like the end of a dream. But if you’re in Texas and facing the possibility of foreclosure, there’s a process called foreclosure mediation that may help you keep your home. Let’s break down what foreclosure mediation is, how it…

Imagine your friend, sibling, or maybe even your child, approaches you with a hopeful look in their eyes. They need help securing a loan, and you’ve got good credit. “Just be my co-signer!” they say, “I’ll make all the payments!” Fast forward a few years, and suddenly, the word bankruptcy comes into play. Now, you’re…

So, you’ve filed for bankruptcy in Texas, and just when you thought you’d untangled all the legal knots, someone mentions a “reaffirmation agreement.” Cue the eye-roll, right? But before you ignore it, let’s dive into what reaffirmation agreements are, why they’re worth your attention, and how they play a crucial role in your bankruptcy case—especially…

If you’re facing bankruptcy, it can feel like being caught in a Texas tornado—spinning with paperwork, legal jargon, and the nagging question, “Do I need an attorney to get through this?” The answer is usually a big Texas-sized “Yes.” From complicated state exemptions to negotiations with creditors, having an experienced Texas bankruptcy attorney by your…

Okay, so you’ve filed for bankruptcy. Not exactly the dream, right? But here’s the thing: Bankruptcy isn’t the end. It’s more like a reset button, or a financial “Ctrl+Alt+Delete” that can get you out of a tangled mess. Especially in Texas, with its unique laws and generous exemptions, bankruptcy can be the first step toward…

    Facing bankruptcy? You’re not alone, and it’s more common than you might think. But when you find yourself on the financial ropes, you’ll likely face a decision that feels as tricky as choosing between a root canal and a tax audit: Chapter 13 or Chapter 7 bankruptcy. Each option has its unique quirks,…

The Means Test—The Gatekeeper to Chapter 7 Bankruptcy If you’re thinking about filing for Chapter 7 bankruptcy in Texas, there’s one major hurdle to consider: the Means Test. This test is essentially the gatekeeper for Chapter 7 bankruptcy, designed to determine whether or not you qualify based on your income and expenses. It may sound…

Bankruptcy Without Losing Everything—Is It Possible? For many Texans considering bankruptcy, one of the biggest questions is, “Will I lose everything?” The idea of starting fresh is appealing, but not if it means giving up essential assets. Here’s the good news: Texas offers some of the most generous bankruptcy exemptions in the United States, designed…

Meet the Automatic Stay—Your Instant Shield Against Creditors If you’re grappling with overwhelming debt, endless creditor calls, and letters threatening collection, it’s easy to feel like there’s no way out. But here’s some good news for Texans: filing for bankruptcy doesn’t just mean financial relief—it means immediate protection from creditors, thanks to something called the…