Tag Archives: chapter 13

First Meeting of Creditors for Ch 7 & Ch13 – What to Expect?
When I mention to clients that they will be required to appear at a 341 First Meeting of Creditors after we file their bankruptcy, most of them cringe and become nervous immediately. They imagine a Meeting where they are interrogated and questioned about every aspect of their case. In El Paso, the these meetings are nothing to be nervous about....
Chapter 13 Bankruptcy – To Buy or Sell – You May Need Permission
Filing for bankruptcy for many is the most difficult decision they will ever have to make.  It is something completely foreign and new to them.  Due to the fact that bankruptcy has such a stigma many people don't discuss it and don’t really understand what bankruptcy is all about.  If you take the step in the direction of bankruptcy remember that if you are in a...
Your Chapter 13 was Dismissed………….Now What?
We often have initial consultations with people who have already filed a previous Chapter 13 case. These folks are normally in a panic because they're afraid of losing their home again; the threat of foreclosure and repossession of their vehicle(s) is very real. If you filed Chapter 13 and there was a reasonable explanation as to why you were unable to fulfill...
Are You Spending Too Much Time with a Foreclosure Specialist?
Many people are being faced with the horrible experience of receiving a foreclosure notice. It must be devastating and so your heart pounds in your chest, beads of sweat develop on your forehead and your hands start to shake. All this emotion and yet you knew it was coming. Knowing but not really understanding what to expect.  Many people I've found are in denial, rejecting the possibility anything bad will happen at...
Bankruptcy Can Provide Peace of Mind for Soldiers Deploying
Many couples or individuals, prior to deployment, try to get their personal matters in order. During this very stressful time and period of adjustment the last thing any service member needs is to be worried about their financial status.  For many, however, this issue arises as life never goes according to plan. Considering bankruptcy - either Chapter 7 or Chapter 13 is a viable option for many...
Bankruptcy Requirement – Where’s All Your Documents?
Bankruptcy requires more than just signing papers and you’re headed out the door.  It‘s hardly like that at all. When we present the list of documents required to our clients, I can never stress enough how important these documents are and how important it is to keep them updated. We don't ask the documents to have them in our archives, these documents are extremely important...
Lifestyle Changes After Filing Bankruptcy
I have been working with people who have filed bankruptcy (Chapter 13) for about three years now.  I never really understood the stress and hardship that bankruptcy can put on a family.  It has made me more aware of how to deal with my own finances and to appreciate what I have. Lifestyle changes can be hard especially when you are used to a particular lifestyle.  When you are faced with having to...
Bankruptcy for our Military
Since we practice law in El Paso, Texas, home of Ft. Bliss, one of the largest military bases in the USA, we represent many Officers and Enlisted Soldiers.  We see lots of prospective clients who are currently in the military and have moved to El Paso from all over the world. For many of these soldiers the stress of moving around, being deployed and all...
Is the Stigma of Bankruptcy Worth It?
Bankruptcy is a scary word to many because: it's something you will never recover from; you'll never buy a home or a car again; you will have to surrender all of your assets and be left with nothing. Good reasons to be afraid, however the above statements could not be more wrong. They are inaccurate and only a part of the stigma that has been created for...

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