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    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…

Facing Foreclosure? Here’s How You Can Protect Your Home in Texas Foreclosure. It’s a word that no homeowner ever wants to hear, yet it can happen to anyone. In Texas, missing a few mortgage payments can set a fast-paced foreclosure process in motion, making it feel like you’re on a runaway train. But here’s the…

Wondering If Bankruptcy Could Be Your Next Best Move? Are you feeling like debt has you running in circles? Maybe it’s starting to feel like you’re working just to keep creditors at bay or that no matter how much you pay, your balance doesn’t seem to budge. Debt can feel like an endless game of…

Bankruptcy and Credit—Let’s Set the Record Straight Bankruptcy. Just hearing the word can make some people cringe, especially when it comes to how it might affect their credit. But here’s the thing—bankruptcy is designed to help people facing financial hardships. It’s a tool that, when used correctly, can lead to a fresh start, a chance…

  Busting the Bankruptcy Myths Bankruptcy. For many Texans, it’s a word that brings to mind all sorts of misconceptions and even a sense of shame. But what if we told you that a lot of what you’ve heard about bankruptcy is simply wrong? When debt becomes overwhelming, and you’re struggling to find a way…

Considering Bankruptcy in Texas? Let’s Talk Through It If you’re feeling buried under a mountain of debt, constantly dodging calls from creditors, or losing sleep over unpaid bills, you’re not alone—and bankruptcy could be a solution worth considering. Filing for bankruptcy might sound intimidating or like a last resort, but it’s actually a legal tool…

Facing Foreclosure in Texas? Let’s Talk Strategies If you’re a Texan homeowner who’s found themselves in the unfortunate situation of facing foreclosure, first things first—you’re not alone, and you’re definitely not without options. The word “foreclosure” itself can strike fear into any homeowner’s heart, conjuring up images of losing one’s home and stability. But take…