First of all, try everything that you can to get employed. Tell all of your friends, relatives and acquaintances that you are out of work and need a job.

Also, go to all the Job Fairs that you can. There is a Job Fair & Career Expo at Reliant Center in Houston on Jan. 29, 2014, at 3pm. Go and talk to employers, and either find a job or find out what employers are looking for in the way of skills or experience.

Once you have employment, come in and see us, and you may qualify for chapter 13 bankruptcy. We can file such a case quickly, and as soon as we do, your car or truck can no longer be repossessed, so long as you comply with your chapter 13 plan.

Chapter 13 can stop a repossession or foreclosure, so long as you will have regular income and it is sufficient to fund a plan. Call us at 713-772-8037 and set up your first consultation with us, to see what can be done in your situation. And good luck on the job hunt!

J Thomas Black
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Board Certified, Consumer Bankruptcy Law- Texas Board of Legal Specialization