Our blog keeps you updated about debt issues Houston residents are facing on a regular basis. We try to keep our content casual, easy-to-understand and relevant to your life. Read the latest postings on Texas student debt and easing credit card debt.
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Foreclosure deficiency judgments showing up in our Houston law office We are beginning to see people come in, sometimes from other states like Florida, that have large judgments against them following a foreclosure of a house -
Does Dept of Education ever agree student loans should be discharged? In re Ablavsky case, District of Massachusetts 2014; student loans determined to be discharged in chapter 7 bankruptcy -
Law v Siegel: SCOTUS says no exemption surcharges as sanctions-Right? Law v Siegel, Chapter 7 Trustee says a bankruptcy court cannot punish fraud by surcharging a debtor's exemptions -
Robo-signing no defense to Texas foreclosure, says 5th Circuit Court Golden v Wells Fargo Bank, N.A. affirms dismissal of claims against Wells Fargo for robo-signing, fraud, breach of contract -
Medical debt can be discharged in bankruptcy just like any other debt. Medical and hospital bills in Texas can be discharged in bankruptcy just like any other debt. But a particular doctor could refuse to treat you without payment. -
Take Your Ex's Share of Property, May Not Discharge Debt, Says 5th Cir Taking marital property awarded to ex-spouse in divorce may not be discharged in chapter 7 bankruptcy, says 5th Cir Court of Appeals- willful & malicious injury -
Houston bankruptcy judge lifted stay to allow eviction.. was it right? Is it right to lift stay to allow eviction of bankruptcy debtors that cannot pay their rent? -
Attorney General: Same sex married couples may file bankruptcy jointly U.S. Attorney General Eric Holder announced today that married couples in Houston and across the land, are eligible to file bankruptcy jointly -
Courts in 5th Circuit upholding MERS's assignments of mortgages Khan v. Wells Fargo Bank, NA, Dist. Court, SD Texas 2014; courts in Fifth Circuit siding with MERS, and also giving borrowers no right to enforce PSA's -
Your credit trashed because of Foreclosure Crisis or Great Recession? Many Texans suffered credit problems and denials and haven't gotten back on their feet, for "trembles," things that happened to them that are not their fault -
New IRS Pre-Qualifier Tool Gives Offer in Compromise estimated amount If you or another taxpayer wants to settle with the IRS for delinquent income or payroll taxes in Houston, Texas, try new offer in compromise pre-qualifier tool -
Paying down Texas home mortgage before bankruptcy risky, could lose If you are in debt or financial trouble and facing bankruptcy, paying down your Texas home mortgage can be a big mistake; 11 U.S.C. Section 522(o) -
"Money Transfer" scams can result in people filing Houston bankruptcy Scam artists have many ways to try to talk you out of your money in Houston. Don't let it bankrupt you, we have had that happen to clients in the past. -
Turnover receivers can seize your paycheck when hits your bank account Wage garnishment is not allowed in Texas, but some Houston attorneys like Jon Malone are very good at seizing checking accounts when pay is deposited -
Texas Bankruptcy Court Makes Example of Green Tree Servicing - $25000 Green Tree must pay $25,000 in punitive damages, over $20,000 in attorney fees and actual damages of $1000 to bankrupt consumer for violating court orders -
Credit scores can recover quickly - even before a bankruptcy is over! Filing bankruptcy does not mean that you will never have credit; it can be a fresh start and a new beginning for your credit scores -
Credit Scores May Be Available Soon For Free to Houston Residents 3 Credit Card Issuers to Provide Credit Scores for Free to Consumers -
Getting Real Sick of Fake Payday Loan Debt Collectors Many of my clients complain about getting these calls from fake payday loan debt collectors -
5th Cir: Mortgagor Has No Standing to Challenge Failure To Follow PSA Since a homeowner is not a party to a Pooling and Servicing Agreement, they have no standing to challenge a party's failure to comply with it, says 5th Circuit -
Student Loans Should Not Be Considered "Consumer Debts" for Means Test Student loans are for profit motive, so should be considered non-consumer debt, says Houston bankruptcy court