Kisch Consumer Law

Does Filing for Bankruptcy in Texas Mean Losing Your Property? One of the biggest concerns for anyone considering bankruptcy is how it will impact their property ownership. The good news for Texans is that the state offers some of the strongest protections for personal assets in the country. However, the outcome depends on the type…

What Are the Best Bankruptcy Alternatives in Texas for High-Income Earners? Bankruptcy can seem like the only way out when debts pile up. But for high-income earners in Texas, there are tailored alternatives that can protect assets, preserve credit scores, and offer a fresh financial start without the stigma of bankruptcy. From debt management plans…

Filing for bankruptcy is often seen as a financial last resort, but it doesn’t have to mean the end of your creditworthiness. In fact, bankruptcy can offer a fresh start, giving you the chance to regain financial stability and rebuild your credit over time. If you’re a Texan navigating bankruptcy and looking for ways to…

Filing for bankruptcy is a difficult decision, and it becomes even more complicated when a co-signer is involved. Whether it’s a family member, friend, or business partner, a co-signer shares responsibility for your loan, and your bankruptcy filing can have serious consequences for them. Protecting your co-signer during bankruptcy in Texas requires careful planning, an…

Tax season can be stressful, especially when you’re facing substantial IRS debt that feels impossible to manage. For Texans struggling with tax debt, bankruptcy may offer a surprising solution. While not all IRS debts can be discharged, bankruptcy can help you reorganize or eliminate certain tax obligations, giving you a chance to regain financial stability.…

Natural disasters are a fact of life for Texans, with hurricanes, floods, and wildfires often leaving a trail of destruction. Beyond the immediate physical damage, these disasters can also create significant financial strain, especially when it comes to keeping up with mortgage payments. If you’re facing the threat of foreclosure after a natural disaster, there…

As retirement approaches, financial stability is often the goal. However, rising medical costs, unexpected debts, or dwindling income streams can make that stability difficult to achieve. For seniors in Texas facing financial hardships, bankruptcy might offer a fresh start while safeguarding key assets like retirement accounts, Social Security benefits, and even your home. Understanding how…

Freelancers and gig workers play a crucial role in Texas’s thriving economy, but financial instability can be an unfortunate reality in these flexible, yet unpredictable, professions. Without the safety net of a traditional paycheck, mounting debts, or an unexpected downturn in income, can lead to severe financial stress. If you’re a freelancer or gig worker…

Managing multiple mortgages is already a challenge, but if you’re facing financial hardship, the situation can quickly spiral out of control. For Texas homeowners, bankruptcy might offer a path to manage or even eliminate some of the burdens tied to second or third mortgages. By understanding options like lien stripping, mortgage restructuring, and other bankruptcy…

Student loan debt is a growing concern for millions of Americans, and Texans are no exception. If you’re struggling to manage your education debt, you might wonder: “Can bankruptcy help me with my student loans?” While student loans are notoriously difficult to discharge through bankruptcy, certain circumstances and legal strategies can make it possible. Understanding…