Category Archives: Blog

The bankruptcy court requires cases to be filed online, so it is a quick process.  Getting ready to file is where most of the work is done. We First Determine What’s Right For You That’s right – “we” not “me.”  Together, we’ll go over your income, expenses and your debts.  We’ll look at all your […]

Filing bankruptcy does not mark the end of your ability borrow money in the future.  Instead, it is the end of sleepless nights, stress and fights caused by your debt problems. Many people that I see for a  bankruptcy consultation that ask this question usually are NOT in a situation to buy a house or […]

You cannot be fired from your current employer for filing bankruptcy, however a prospective employer may consider the fact that you filed bankruptcy. I’ve found that there is greater risk of being denied a new job as a result of having lots of unpaid bills rather than having no bills and a bankruptcy.  Why?  There’s […]

San Antonio is a military-town, so I have lots of people coming in to file bankruptcy in order to save their security clearance. Sure, bankruptcy can easily solve debt problems, but I wasn’t sure how or why it protected a security clearance. So I asked some questions of several of the ones that wanted to […]

The bankruptcy court looks at all of your household income and household expenses to determine if you qualify for bankruptcy.  You can certainly file a bankruptcy without your spouse, but the court still looks at household income and household expenses. This is where it gets dicey in the consultation – the client wants to file […]

Here are some practical tips for finding the best solution for resolving your debt problem. 1. Look at ALL of your options, including options you don’t think you would like. Try to see where you are going to be 3 to 5 years down the road with each option, then pick the option for you. […]

Soon after you file bankruptcy, your credit report will show that you filed bankruptcy, but it will also show that you are debt free.  That’s why a lot of my bankruptcy clients get pre-approved credit card offers in the mail after their bankruptcy is over. The issue is not whether you will rebuild your credit, […]

This is tax refund season, and you may need to use that money to repay a family member that covered some expenses for you this past year.  If you think that there’s a chance that you may need to file bankruptcy in the next 365 days, then DO NOT repay a family member with your […]

It’s tax season, and if you are like most of my clients, that means a tax refund is just around the corner.  Naturally, you want to keep your tax refund, most likely to cover to some necessary expenses that had to wait until the money arrived. Here are some points to consider before you spend […]