Don't Let Student Loan Debt Crush Your Dreams- You Have Options- Call our Houston office
We have many people from all over the Houston, Texas and surrounding areas come to our law office with student loan debt that is out of control. Student loan debt is crushing the dreams of many Americans. There are several repayment options with federal student loans including deferment and forebearance, rehabilitation and income-based or income-contingent repayment plans. You may not be aware that there are also public service and teacher forgiveness programs, and ways to discharge your federal student loans if you are disabled, and certain other reasons. Student loans are not generally dischargeable in bankruptcy, unless you can show "undue hardship." But it is possible to file chapter 13 bankruptcy, and stop the collection activities of the student loans lenders or debt collectors, for 3-5 years. For some people, this gives them the "breathing spell" that they need to get rid of their other debts, and then be ready to deal with the student loans when the plan is completed. Private student loans can be especially problematic, because they do not have all of the repayment options that federal loans have. If you have private student loans that are in default, or you will be defaulting soon, you may have an especial need for an attorney as they often file lawsuits to try to collect their debts. We represent people in such lawsuits, and we would be happy to review all of your options with you concerning your student loans at one of our offices. If you live in the Houston, Texas metropolitan area or surrounding counties, just call our main telephone number at 713-772-8037 or visit our website at http://jthomasblack.com.
IRS Taking Your Paycheck or Bank Account? File Bankruptcy & Stop It & Possibly Cancel It
If you have I.R.S. problems and owe the I.R.S. a lot of money, filing bankruptcy may be an option for you to consider. As soon as a bankruptcy is filed, an "automatic stay" or federal court order goes into effect, that tells your creditors including the I.R.S. that they cannot continue to collect their debts, at least for the time being. If you owe income taxes that qualify, you may be able to discharge or cancel them completely in chapter 7 bankruptcy. If you owe income taxes or payroll taxes, you may be able to reorganize and pay them out over time, as long as 60 months, through a chapter 13 plan. If you come in to see us, we will also review your "non-bankruptcy" IRS options with you, including installment agreement, innocent spouse, and offer in compromise. Some people even qualify for "currently not collectible" status, where the IRS just "puts your file on a shelf" so to speak, possibly so long that the statute of limitations runs and the tax is no longer legally owed. Don't wait. People with problems with the Internal Revenue Service often procrastinate or put off dealing with it. Come in and see us; we don't bite. And more than likely, we will be able to give you a plan and show you the way to solve your IRS problems. It's up to you take the first step. Call us at 713-772-8037. If you live in the Houston, Texas area or Katy, Spring, Cypress, Sugar Land, Stafford, or Pearland, or the surrounding counties including Fort Bend, Montgomery County, Galveston, Brazoria, and Austin Counties, call our office today at 713-772-8037 and tell us that you need an appointment. There is no charge for your first consultation with one of our attorneys. Visit http://jthomasblack.com for more information. We are a debt relief agency and we help people file bankruptcy.
Served with a credit card lawsuit in Houston? Filing Bankruptcy May Get Rid of It for Good
If you've been "served" with a lawsuit for debt, come see us right away to discuss your options. If filing bankruptcy is your choice, as soon as either chapter 7 or chapter 13 is filed, an "automatic stay" or federal court injunction goes into effect as soon as a bankruptcy is filed, preventing the lawsuit from going forward, at least without permission from the Bankruptcy Court. Don't wait, if you have been served with a lawsuit. Go see an attorney right away. If you delay, a "default judgment" may be entered against you. With a judgment, a creditor can seize your bank accounts and other non-exempt property. If you have other options, we will discuss them with you when you come in. Some people have valid defenses to lawsuits, so it may be worthwhile to fight them. Others want to and are able to settle with the plaintiffs. But if you don't have any other choice, bankruptcy may be the best option; it just depends on your circumstances. Even if you already have a judgment against you, it can likely still be stayed and the debt discharged in bankruptcy. If you live in the Houston, Texas area or the surrounding counties including Fort Bend, Montgomery County, Galveston, Brazoria, and Austin Counties, call our office today at 713-772-8037 and tell us that you need an appointment. There is no charge for your first consultation with one of our attorneys. Visit http://jthomasblack.com for more information.
Is your car or truck up for repossession in Houston? Chapter 13 may allow you to stop it!
If your car or truck is about to be repossessed in Houston, Texas or surrounding counties by the finance company or by a title loan lender, it is not too late to stop it. If you qualify, filing chapter 13 bankruptcy causes an "automatic stay" to go into effect, which immediately stops all pending repossessions, foreclosures, and other collection actions against you and your property. Then we set up an affordable plan that combines all of your bills into one monthly payment (which is usually payroll-deducted). Even if your vehicle has already been repossessed, it is possible to have it returned, so long as it has not been sold. If you live in the Houston, Texas area or the surrounding counties, call our office today at 713-772-8037 and tell us that you need an urgent appointment. There is no charge for your first consultation with one of our attorneys. Visit http://jthomasblack.com for more information. We are a debt relief agency and we help people file bankruptcy.
My Houston Texas home Is posted for foreclosure! Can I stop foreclosure by filing bankruptcy?
If your home is up for foreclosure by your mortgage company, your home equity lender, or if you are about to be foreclosed on for property taxes or homeowner association dues, don't delay. Filing chapter 13 bankruptcy in Houston Texas can help you stop the foreclosure, and catch up the delinquent payments, taxes, or HOA dues over up to a 5 year period of time, if you qualify. We are a debt relief agency and we help people file bankruptcy. Visit our website at http://jthomasblack.com to make an appointment and for free publications.
Can My Wages be garnished in Texas if I have a lawsuit or judgment against me?
Generally speaking, if you live in Texas, your wages cannot be garnished for credit card or most other unsecured debts, with certain exceptions. This video will give you a general understanding of that. But if you are in debt trouble, you should come see us in our Houston law office and discuss your alternatives. Once the money goes in the bank however, it is not safe and can be garnished. We are a debt relief agency and we help people file bankruptcy. Visit our website at http://jthomasblack.com.