Kisch Consumer Law

What Happens to Sentimental Assets During Bankruptcy? When filing for bankruptcy in Texas, the thought of losing priceless heirlooms or sentimental assets can be daunting. These items often carry more emotional value than financial worth, making their protection a top priority. Fortunately, Texas bankruptcy laws include exemptions designed to safeguard personal and sentimental property. But…

What Happens to Joint Bank Accounts in Bankruptcy? Filing for bankruptcy can feel overwhelming, especially when you share a bank account with someone else. If you’re wondering, “What happens to joint bank accounts in Texas during bankruptcy?” you’re not alone. How Does Bankruptcy Affect Joint Bank Accounts in Texas? Bankruptcy Basics and Joint Accounts When…

Student loan debt can feel like a heavy cloud hanging over your finances. If you’re considering bankruptcy in Texas, you’re likely wondering if it can help with student loans. While student loans are notoriously difficult to discharge, bankruptcy can still offer relief by restructuring payments or addressing other financial burdens. So, how do you handle…

When filing for bankruptcy in Texas, many people find the process intimidating. One of the key players in every bankruptcy case is the bankruptcy trustee. They ensure the bankruptcy system operates fairly for all parties—debtors and creditors alike. But what exactly does a bankruptcy trustee do, and how do they impact your case? If you’re…

Navigating the financial complexities of a small business partnership in Texas can be daunting—especially when bankruptcy enters the equation. Whether you’re considering filing for Chapter 11 or seeking debt relief for your business partnership, understanding the process is key to protecting your business, your assets, and your relationships. What Happens When a Small Business Partnership…

Filing for Bankruptcy While Dealing with Medical Debt in Texas: What You Need to Know Medical debt is one of the leading causes of financial distress in the United States, and Texas is no exception. Unexpected health emergencies or chronic medical issues can quickly lead to overwhelming bills. If you’re struggling to manage these costs,…

What Happens to Renters When a Property Is Foreclosed in Texas? In Texas, foreclosure occurs when a property owner defaults on their mortgage, and the lender seizes the property to recover the owed amount. But where does that leave renters? Notification Requirements Renters must be informed of the foreclosure. Under the federal Protecting Tenants at…

What Are Bankruptcy Scams, and Why Are They a Problem in Texas? Bankruptcy scams prey on individuals already under financial stress. Scammers promise quick fixes, debt elimination, or financial freedom but often leave victims in worse financial situations—or even legal trouble. In Texas, where personal and business bankruptcies are common, understanding the warning signs of…

What Is Foreclosure Mediation in Texas? Foreclosure mediation is a process where homeowners and lenders meet with a neutral mediator to find solutions that avoid foreclosure. The mediator helps both parties communicate effectively, aiming to create agreements like loan modifications or repayment plans. In Texas, where foreclosures can happen quickly, mediation offers a way to…

Let’s Start with the Basics: What’s the Difference? Bankruptcy can feel overwhelming, but knowing whether to file for business or personal bankruptcy is the first step. Both address financial hardships, but the impacts, processes, and outcomes differ significantly. Question: Are you filing for debts tied to your name or your business? If personal: You’ll need…