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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Did you surrender a house in a bankruptcy case? Did you surrender a house in bankruptcy? You may have a significant claim against your mortgage company! -
Houston woman: Ocwen lied and took my home; court said OK If your home is posted for foreclosure in the Houston, Texas area, and your mortgage servicer Ocwen tells you the sale is postponed, at least get it in writing -
Peake v. Ayobami (5th Cir. 2018) May a debtor using federal exemptions claim 100%? Peake v. Ayobami (5th Cir. 2018) Houston certified question to 5th Circuit - May a debtor claiming federal exemptions ever exempt a 100% interest in an asset? -
Houston debtors can transfer land to lenders to satisfy debt New chapter 13 standard plan effective Dec. 1, 2017 allows chapter 13 debtors to transfer their unwanted home, land or other real estate to lenders -
Goodbye Hurricane Harvey - Hello Houston, Texas has mortgage-related disaster relief available Goodbye Hurricane Harvey - Houston, Texas has mortgage-related disaster relief available -
Exempt property acquired during chapter 13 may not be safe! Just because property is exempt from creditors doesn't mean it is safe from creditors, says U.S. Bankruptcy Judge Craig Gargotta. In re Ortiz-Peredo, 17-50814 (Bankr. W.D. Tex. July 18, 2017) -
Supreme Court speaks: OK for debt buyers to file stale claims in bankruptcy U.S. Supreme Court says it is not FDCPA violation for debt buyers or creditors to file time-barred claims in bankruptcy cases. -
Mortgages companies must file notices of postpetition fees within 180 days of when debt arises Texas bankruptcy court rules that mortgage lenders must file notices of post-petition fees within 180 days of when legal obligation to pay the debt arises, not when the mortgage lender is invoiced. In re Raygoza (Bankr. S.D. Texas 2016). -
Wells Fargo issuing payments and credits because of lawsuit settlement Wells Fargo is sending our letters about a lawsuit settlement, if you are in chapter 13 and they are your mortgage company you may receive a settlement -
Texas HOAs can foreclose homes for dues- but is it right? Homeowner associations in Texas can foreclose on homes in Houston for their delinquent dues. And if it goes to lawyers, the lawsuits can be very expensive. -
Being evicted in Houston? At least get your property out. If you are about to lose your Houston, Texas house to foreclosure, consider filing chapter 13. At least remove your personal items before the eviction, so that they are not put out on the curb. -
Houston Bankruptcy Court; Chapter 13 plan can payoff mortgage early U.S. Bankruptcy Judge Jeff Bohm ruled that proposed interest rate change not allowed, but debtors could propose plan to pay off Katy Texas mortgage loan early -
Chapter 13 plans must pay 6% interest on child support arrears Chapter 13 plans must pay 6% interest on child support arrears, says Houston bankruptcy court, which includes Rosharon, in Brazoria County, Texas -
Supreme Court rules post-petition wages go to debtors Chapter 7 debtors that convert from chapter 13 get refund from chapter 13 trustee for undistributed funds, says U.S. Supreme Court -
Over 3500 title loan repossessions/month happening in Texas! Stop title loan repossession with a Houston, Texas chapter 13 bankruptcy from Law Office of J. Thomas Black; free consultation -
Houston Chapter 13 plans can now have emergency savings clause Emergency savings provision is new thing in chapter 13 bankruptcy plans in the Houston, Texas bankruptcy courts -
Repo'd Pickup Truck must be returned after chapter 13 filed If your car or truck is repossessed in Houston, and you file chapter 13, your attorney can make demand for it to be returned. -
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 -
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 -
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?