Posts by Javier Aponte

Identity theft can wreak havoc on your financial life, leaving you with fraudulent debts and damaged credit. For Texans facing overwhelming debt due to identity theft, bankruptcy might be a necessary step to regain control. But how does bankruptcy work in cases involving identity theft, and what are your rights? At Kisch Consumer Law, we…

Reverse mortgages are a financial lifeline for many Texas homeowners aged 62 and older, offering access to home equity while deferring repayment until certain conditions are met. But what happens if financial hardship leads to bankruptcy? Understanding the interplay between bankruptcy and reverse mortgages is crucial to protecting your home and financial stability. At Kisch…

How Has Bankruptcy in Texas Changed After COVID-19? The COVID-19 pandemic reshaped many aspects of life, including how Texans manage their finances. From surging unemployment to evolving federal debt relief programs, bankruptcy trends in Texas have shifted significantly. If you’re navigating financial challenges, understanding these trends can help you make informed decisions. At Kisch Consumer…

If you’re a Texas-based e-commerce business owner struggling with mounting debt, you’re not alone. In the fast-paced world of online retail, fluctuating sales, unexpected expenses, and intense competition can lead even successful entrepreneurs to financial hardship. The good news? Bankruptcy could provide a fresh start. Here’s everything you need to know about navigating e-commerce bankruptcy…

When it comes to managing financial stress, two daunting terms often crop up: tax audits and bankruptcy. For Texans grappling with debt and tax issues, understanding how these two concepts intersect can make all the difference in finding the best path forward. This blog dives deep into the nuances of tax audits and bankruptcy in…

Managing a large family-owned ranch in Texas isn’t just about cattle and crops—it’s about navigating the complexities of agricultural debt, market fluctuations, and unexpected financial crises. For families tied to the land for generations, financial challenges like bankruptcy can feel daunting. This blog unpacks how bankruptcy impacts ranch operations, explores solutions like Chapter 12 bankruptcy,…

In Texas, financial hardship can strike unexpectedly, especially when medical expenses pile up. For individuals relying on essential medical equipment, the threat of repossession can be both terrifying and life-altering. The good news is that bankruptcy can provide powerful protections to prevent repossession and secure your access to the tools you need for your health…

The oilfield services sector in Texas plays a pivotal role in supporting the state’s booming energy industry. However, market volatility, fluctuating oil prices, and global demand shifts often leave companies in this sector facing financial instability. Bankruptcy can be a lifeline for struggling businesses, but understanding its implications and strategies is critical. If you’re exploring…

Filing for bankruptcy is a challenging but often necessary step toward financial recovery. While bankruptcy laws are designed to protect individuals from aggressive collection tactics, some creditors may still engage in wrongful practices. If you’re facing wrongful creditor actions in Texas, understanding your rights and legal options can help you protect yourself and secure the…

When financial troubles arise, Texans often turn to debt management plans (DMPs) to regain control over their finances. But what happens when these plans don’t provide enough relief, and bankruptcy becomes the only viable option? If you’re navigating these stormy financial waters, understanding how bankruptcy affects Texans enrolled in debt management plans can empower you…