Recent Blog Posts

Wage garnishment can feel like a financial nightmare. When a portion of your paycheck is withheld to repay a debt, it can create a cycle that is hard to break, especially if you are already struggling to cover basic living expenses. If you're in this situation, you may be wondering whether credit counseling can stop wage garnishment. It’s important to know that credit counseling alone does not automatically....................

The student loan crisis in America is staggering—over 42 million borrowers, nearly $1.8 trillion in outstanding debt, and countless lives burdened by payments that never seem to end. For years, borrowers have been told there’s no escape. “You can’t get rid of student loans in bankruptcy.” That statement, repeated endlessly by the media, financial advisors, and even attorneys, has effectively become gospel....................

Owing back taxes to the IRS can be overwhelming, in part because interest and penalties accumulate rapidly; what starts as a manageable balance quickly grows into a serious financial burden. For most people, paying the full amount of back taxes simply isn’t feasible. Fortunately, the IRS provides several tax forgiveness programs aimed at helping taxpayers resolve their debt and avoid harsh collection....................

For homeowners facing financial challenges, a loan modification can be a lifeline. Modifying your mortgage can create a more affordable path forward instead of losing your home to foreclosure or struggling with unmanageable monthly payments. However, it is important to understand the different types of loan modifications and ultimately choose the right solution for your specific situation....................

Losing a job is one of life’s most destabilizing experiences. In an instant, your financial foundation can feel like it’s crumbling—and the pressure to keep everything afloat starts mounting quickly. As a bankruptcy attorney who's helped thousands of people navigate financial distress, I want to offer a perspective you won’t often hear from the mainstream narrative. While studies often cite...................

Facing the threat of foreclosure can be an overwhelming experience for any homeowner. When financial difficulties make it hard to keep up with mortgage payments, the risk of losing your home can lead to sleepless nights and difficult decisions. Fortunately, there are options available to stop or delay the foreclosure process, and one of the most powerful tools at your disposal is bankruptcy. It’s important to understand..................

If you live in Texas and are concerned about potential lawsuits affecting your financial future, it's important to understand what assets are protected under Texas law. Whether you own a business or are simply looking to safeguard your family’s future, knowing what is legally shielded from creditors can help you make better financial decisions. The good news is that Texas has some of the strongest asset protection laws..................

When faced with overwhelming debt, many people explore debt settlement and bankruptcy. Both debt settlement and bankruptcy offer paths to relief, but they work differently and have unique pros and cons. Understanding how each process affects your finances, credit, and long-term goals is essential to making the right choice. our choice will largely depend on factors like how much you owe, your ability to pay, whether you have significant..................

If you are considering Chapter 7 bankruptcy, one of your first concerns is likely the cost of filing. While Chapter 7 bankruptcy is designed to help people struggling with overwhelming debt, certain costs are associated with the process. Understanding these costs can help you make an informed decision and plan accordingly. In this blog, we will explain the various expenses involved in filing Chapter 7 bankruptcy, including court fees..................

Medical debt is one of the most common types of debt and causes of bankruptcy in the United States. Millions of people across the country accrue medical debt from unexpected hospital stays, emergency procedures, and even routine healthcare visits can leave people facing unmanageable bills. If you are struggling with medical debt, you are not alone, and you have options. If you have unmanageable medical debt, bankruptcy.................