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Chapter 13 Bankruptcy Basics As a Dallas bankruptcy lawyer, I help many clients that are looking for a way to resolve their debts. I find that most people prefer the shorter timeline of a Chapter 7 bankruptcy and don’t want to file for chapter 13 protection. As Lori Patton wrote on this forum: Very often [...]

Wells Fargo Freezing Accounts of Bankruptcy Debtors For years, Wells Fargo has taken an unusual and sometimes unpopular stance with regard to the bank account funds that bankruptcy filers have at their branches.  Every evening, Wells Fargo checks the notices of new bankruptcy cases, and freezes the bank accounts of people who have filed bankruptcy [...]

Are Consumer Bankruptcy Attorneys Biased? In my experience, absolutely not. In fact, consumer bankruptcy attorneys are among the most dedicated the legal profession has to offer, performing what is sometimes a thankless job for people who are under tremendous stress both financially and emotionally. However, like any large group, there are areas that the consumer [...]

As a Dallas bankruptcy lawyer, I face clients each day that carry a lot of fear over the bankruptcy process. While filing either type of bankruptcy can be scary for anyone, Chapter 7 does have some additional considerations that tend to make people shy away. It is difficult to qualify Many people have heard that [...]

A debtor can obtain a discharge of debt by filing for bankruptcy.  A discharge of debt releases the individual’s personal liability for many types of debts.  A discharge prevents creditors from making any collections efforts upon the debtor including phone calls, letters, and threats.    Many types of unsecured debt can be discharged, including credit [...]