Tag Archives: chapter 7

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....
Can Chapter 7 Stop Wage Garnishment from Default Credit Cards?
Before some people actually make an appointment for a free consultation their lives are so stressful.  Finances - especially large amounts of debt often force people to make decisions that they know instinctively are wrong, but they make them because of fear and desperation.   Most people juggle their finances robbing Peter to pay Paul for as long as they can.  At some point you  face the inevitable, your financial life is in chaos...
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...
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...
Bankruptcy Lawyers VS. Lawyers Practicing Bankruptcy Law
My Dad has really had his hands full - he’s been an incredible caregiver to my Mom who unfortunately has the dreaded disease Alzheimer’s.  He finally hired Judy to clean once a week for a couple of hours and she has also helped care for Mom with love and kindness. Judy, hard working, a single mom, cleaning houses and  waitressing to help support her daughter get through...
Are You Fearful of Your Upcoming 341 – First Meeting of Creditors??
When I mention to clients that they will be required to appear at a 341 First meeting of creditors, 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 Creditors Meetings are nothing to be nervous about. I explain to my clients from inception that their 341...
Bankruptcy Errors to Avoid – Part 3 – The Pain Of Not Changing Banks
A great number of us use our bank for everything: paychecks are on direct deposit; pay credit cards, mortgage payments and utilities bills electronically.  Some bills are setup for automatic payment and others are scheduled manually.  We are familiar with on-line banking;  an understanding of how our bank’s online software works and have mastered its applications. The thought of changing how we use our bank account or worse the thought of actually changing banks is an...
Bankruptcy Errors to Avoid – Part 1- Missing Creditors
There is one call every bankruptcy lawyer dreads getting from a client after their case has been closed.  The call  regarding a missing creditor - a creditor not listed on their bankruptcy schedules and now the creditor is making demands for payment or a lawsuit has been filed against the client by this creditor.  It's a common mistake and one that unfortunately happens all too...

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