When you are living directly off of your paycheck or don’t have a lot of savings, being laid off from your job – even temporarily – can be devastating. If your Texas employer has reduced its staff (including your position), you may be exceedingly stressed about keeping up with bills, your mortgage, credit card bills,…

Although you can damage your credit by filing for bankruptcy, that doesn’t mean you aren’t still able to build it back up afterward. It’s always in a consumer’s best financial interest to have as high of credit as you can. There are many ways in which you can help to boost your credit. One such…

Making the difficult decision to file for bankruptcy involves a lot of thought. But when you are in a position in which you have mounting debt and lack the finances to pay anything off, it can sometimes be the right option for you. Filing for either Chapter 7 or Chapter 13 bankruptcy can help you…

Student loans are the second-largest type of debt, with about one and a half-trillion dollars owed by more than 44 million people. The numbers are astronomical. When you find yourself with crippling student debt, it can greatly impact your financial health and make it much harder to make ends meet. Unfortunately, student loans are not…

Whether you are a sole proprietor or independent contractor, running a business is no easy task. With so many factors in play, sometimes you may find yourself low on income and high on debt. When this happens it’s likely that you’ll want to protect yourself from creditors who will undoubtedly come after you for their…

As the coronavirus pandemic continues to plague the world, many things have changed in an effort to protect the safety of American citizens. One thing that you may have noticed is that many businesses are now requesting that you use a debit or credit card for purchases. Additionally, with the increase of online purchases over…

Chapter 7 bankruptcy has the potential to give a debtor a fresh start. A fresh start means a new financial beginning free from most, if not all, of your outstanding debts.  This can be an appealing option, especially in today’s climate. After an individual debtor receives a Chapter 7 bankruptcy discharge, the only debts that…

Many people who may otherwise be considering bankruptcy try to avoid it under the misconception that will lose all of their property. This is simply not the case. Bankruptcy in its very design allows a debtor to seek relief from creditors while protecting much of their property. This is especially true for debtors in Texas….