Kisch Consumer Law

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…

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…