Category Archives: Uncategorized

Alternatives To Filing Bankruptcy
Home Equity Loan Regret

Home Equity Loan Regret

A Client’s Story I had an Initial Consultation with an older person that was having trouble paying for his home equity loan.  Why?  Because his health and income changed over the life of the home equity loan. In order to make ends meet and stay in his house, he is having get his sons to […]

The Dangers Of A Home Equity Loan

The Dangers Of A Home Equity Loan

DON’T GET A HOME EQUITY LOAN TO PAY BILLS! You Can’t Borrow Your Way Out Of Debt. And, Your Home Is Not An ATM Machine. Every month I see people losing their home to foreclosure because they’re having trouble paying for their home equity that they got just to pay bills.  The worst part about […]

Bankruptcy Filing Process
How Will Bankruptcy Affect My Credit?

How Will Bankruptcy Affect My Credit?

How bankruptcy affects your credit is one of the most common concerns of people considering bankruptcy. Let’s set the stage for looking at this issue: Any reported event that occurs pertaining to how you have paid your debts will show up on your credit report.  An event remains on your credit report for 7 years, […]

'Determination' highlighted in green, under the heading 'Judgment'

Midland Funding Lawsuit

Midland Funding is a debt buyer that buys old credit card debt for a few pennies on the dollar, then files thousands of collection lawsuits in Texas each year.   If Midland Funding wins their case against you, they get a judgment, which they can use to garnish your bank account. If you have been sued […]

Student Loan Debt

San Antonio Bankruptcy Lawyer Offering Assistance According to news reports, national student loan debt has surpassed the $1 trillion mark. More and more individuals find themselves with student loan payments that amount to hundreds or even more than $1,000 each month. Many students have graduated from college with sky-high education tabs only to be thrown […]

What To Do When Student Loans Come Due?

I get lots of inquiries from people that have their student loans in deferment status. They’re all asking the same thing: What do I do when my student loans come due? My answer is the same for most of them: Find a way to pay them, because for most people, student loan debt is non-dischargeable […]

Student Loan Reform Or Student Loan Rethinking?

The Consumer Financial Protection Bureau (CFPB) and the US Dept. of Education issued a report on Friday that recommends that Congress change the bankruptcy law to include bankruptcy relief from private student loans. The 2005 change in bankruptcy law made private student loans non-dischargeable in bankruptcy, which simply means that they survive bankruptcy in most […]


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