Sunday, September 7, 2014

What are the types Of Bankruptcy?


Bankruptcy is legal process by which you can deal with your debts when you can nolonger pay them There are three main types of bankruptcy cases. These are referred to by their chapter number in the bankruptcy code

The most common types of cases for individuals are Chapter 7 Bankruptcy and Chapter 13 Bankruptcy
If you are considering bankruptcy this video will give you basic information about the the various types of bankruptcy. It will also explain how to find the legal help you may need. This video can help you in understanding what would be relevant in your case.

This information is provided to help consumers and individuals understand the types of bankruptcy better.



Our San Antonio Bankruptcy Attorney has collected this video as a part of a set of online videos to help you understand various aspects of bankruptcy and the processes involved with it. Please bookmark this on your broswer,ipads, tablets, laptops, chromebooks and smartphones and share it with others who may find this helpful.

If you'd like to get a free consultation, please contact our bankruptcy lawyers.

For helping you get a better understanding of Bankruptcy, we have setup a Bankruptcy Information Center at our website.

Tuesday, August 12, 2014

Introduction to Bankruptcy Law


Bankruptcy is legal process by which you can deal with your debts when you can nolonger pay them

If you are considering bankruptcy this video will give you basic information about the process and the relief it offers. It will also explain how to find the legal help you may need. This video will explain what happens in a bankruptcy case. This information is provided to help consumers and individuals understand the bankruptcy process



Our San Antonio Bankruptcy Attorney has collected this video as a part of a set of online videos to help you understand various aspects of bankruptcy and the processes involved with it. Please bookmark this on your broswer,ipads, tablets, laptops, chromebooks and smartphones and share it with others who may find this helpful.

If you'd like to get a free consultation, please contact our bankruptcy lawyers.

For helping you get a better understanding of Bankruptcy, we have setup a Bankruptcy Information Center at our website.

Monday, June 30, 2014

Wage Garnishment in Texas

Wage Garnishment in Texas is possible if you owe alimony, taxes, student loans or have an out of state employer. It is not usually done from an employer.

Wage Garnishment can be facilitated even after you have placed your money in the bank account.

Our San Antonio Bankruptcy Attorney has created the below infographic to help you. Please download this image on your desktops, ipads, tablets, laptops, chromebooks and smartphones.

If you'd like to get a free consultation, please contact our bankruptcy lawyers.



For helping you get a better understanding of Bankruptcy, we have setup a Bankruptcy Information Center at our website.

Monday, June 23, 2014

3 Steps to Improve Your Credit Score After Bankruptcy

Healthy financial habits must be cultivated and maintained in order to elevate credit scores post bankruptcy.

You can follow 3 simple steps that will help you improve your credit rating.
  1. Pay your debts early and religiously to make sure you are in good standing.
  2. Getting a secured, affordable loan and paying it back early can help rebuild trust between you and your creditors. It will also help restore your credit history.
  3. Monitor your credit report regularly and take immediate, corrective measures as soon as you find it going off track.


Our San Antonio Bankruptcy Attorney has created the below infographic to help you. Please download this image on your desktops, ipads, tablets, laptops, chromebooks and smartphones.

If you'd like to get a free consultation, please contact our bankruptcy lawyers.



For helping you get a better understanding of Bankruptcy, we have setup a Bankruptcy Information Center at our website.

Monday, June 16, 2014

7 Ways to Better Your Bankruptcy

In a tough situation like bankruptcy, it is imperative to capitalize on every possible financial opportunity and maneuver it to your advantage.

Here are 7 ways to help you make your bankruptcy better.
  1. You must ensure that no debt is left out in order to have the most possible debt forgiven.
  2. Be quick to file, as the sooner you file, the faster you will be back on track for being independent.
  3. Do not miss out on paperwork. Make sure you have all the necessary documents to avoid issues later.
  4. Be honest with your attorneys and do not withhold tax or other information. Convey your expectations to them clearly.
  5. Avoid unreasonable purchases on your credit card before filing as it will send an inappropriate message to the authorities. Budget for necessities and discipline your expenses.
  6. Disclose your possessions righteously for if the court suspects a cover up, it might cost you dearly.
  7. Remember your dates and attend BOTH the required debt management courses. Failure to do so will cause your case to not be discharged.


Our San Antonio Bankruptcy Attorney has created the below infographic to help you. Please download this image on your desktops, ipads, tablets, laptops, chromebooks and smartphones.

If you'd like to get a free consultation, please contact our bankruptcy lawyers.



For helping you get a better understanding of Bankruptcy, we have setup a Bankruptcy Information Center at our website.

Monday, June 9, 2014

How does Credit Counseling help?

Credit Counseling involves educating consumers on how to avoid expenses they can’t afford or taking on debt that cannot be repaid. This is done with the help of an effective Debt Management Plan.

Simply put, Credit Counseling gives you a planned method of debt relief and helps you pay your bills in a structured, logical manner.
Credit Unions, cooperative extension offices, religious organizations, military family service centers are places where Credit Counseling can be sought.

However, if you find that even after Credit Counseling, you are not able to work your debt out effectively, you may want to seek help from a professional and specialized Bankruptcy Attorney.

Our San Antonio Bankruptcy Attorney has created the below infographic to help you. Please download this image on your desktops, ipads, tablets, laptops, chromebooks and smartphones.

If you'd like to get a free consultation, please contact our bankruptcy lawyers.



For helping you get a better understanding of Bankruptcy, we have setup a Bankruptcy Information Center at our website.

Monday, June 2, 2014

4 Great Reasons to Refinance Your Home

Refinancing a home can allow you to shorten your loan term. This gives you an opportunity to avail better rates on your mortgage.

You can also save a lot on the payment if you are able to refinance at a lower interest rate.

Choosing to refinance your home can allow you to move from an adjustable rate plan to a fixed rate plan. This not only makes it easier for you to budget but also protects you from fluctuating interest rates.

Our San Antonio Bankruptcy Attorney has created the below infographic to help you. Please download this image on your desktops, ipads, tablets, laptops, chromebooks and smartphones.

If you'd like to get a free consultation, please contact our bankruptcy lawyers.



For helping you get a better understanding of Bankruptcy, we have setup a Bankruptcy Information Center at our website.

Saturday, May 10, 2014

Bankruptcy vs a Lawsuit

Whats better? A Lawsuit or Bankruptcy?

Our San Antonio Bankruptcy Attorney has created the below infographic to help you. Please download this image on your desktops, ipads, tablets, laptops, chromebooks and smartphones.

If you'd like to get a free consultation, please contact our bankruptcy lawyers .



For helping you get a better understanding of Bankruptcy, we have setup a Bankruptcy Information Center at our website.

Friday, April 4, 2014

Protect Yourself from Malware

Computer fraud and malware can only make debt situations worse.
Know what is out there in the world of malware to avoid unpleasant encounters with computer viruses, spyware and the likes.
Make sure that you're using regularly updated antivirus software. Never share your passwords and other crucial information that could be used to access your computer systems.

Our San Antonio Bankruptcy Attorney has created the below infographic to help you. Please download this image on your desktops, ipads, tablets, laptops, chromebooks and smartphones.
If you'd like to get a free consultation, please contact our bankruptcy lawyers .



For helping you get a better understanding of Bankruptcy, we have setup a Bankruptcy Information Center at our website.

Tuesday, April 1, 2014

Protect your Home and Valuables with Federal Flood Insurance

Depending on whether you live in low, medium or high risk areas, an appropriate policy will be recoomended for you at floodsmart.gov
All insurers from floodsmart.gov give you uniform rates making it a highly reliable insurance option.

Our San Antonio Bankruptcy Attorney has created the below infographic to help you. Please download this image on your desktops, ipads, tablets, laptops, chromebooks and smartphones.
If you'd like to get a free consultation, please contact our bankruptcy attorneys .



For helping you get a better understanding of Bankruptcy, we have setup a Bankruptcy Information Center at our website.

Monday, March 24, 2014

Avoiding Debt Relief Scams

Protect yourself from rampant debt relief scams by catching on early warning signs such as robocalls, bogus debt counselors and unrealistic promises of recovery.
It is essential that you consult a reputable credit counseling agency or bankruptcy attorney to avoid falling prey to such scams.

Our San Antonio Bankruptcy Attorney has created the below infographic to help you. Please download this image on your desktops, ipads, tablets, laptops, chromebooks and smartphones.

If you'd like to get a free consultation, please contact our bankruptcy lawyers .



For helping you get a better understanding of Bankruptcy, we have setup a Bankruptcy Information Center at our website.

Wednesday, March 19, 2014

Protect yourself from Fraud

Protect yourselves from financial fraud by following some simple prevention strategies.

For example, it is important to do thorough background checks on those you're dealing with. Be sure of all possible parameters before wiring money to a seller.

Double check monthly financial statements with your bank in case you find charges you don't recognize. Verify health supplements with your doctor before taking them.

Take care to not deposit checks and wire money back. The responsibility for depositing a fake check rests on you. Do not send money to anyone you don't know well. Never share your personal financial information with anybody.

Our San Antonio Bankruptcy Attorney has created the below infographic to help you to a handy list of Dos and Donts to prevent fraud. Please download this image on your desktops, ipads, tablets, laptops, chromebooks and smartphones and glance it once before making any decision which involves finances.

If you'd like to get a free consultation, please contact our bankruptcy lawyers .



For helping you get a better understanding of Bankruptcy, we have setup a Bankruptcy Information Center at our website.

Friday, March 14, 2014

Side Effects of PayDay Loans

A payday loan is a small, short-term unsecured loan, marketed as a quick, easy way to tide borrowers over until the next payday. In a previous post on Pay Day loans , we covered how they work.

Our San Antonio Bankruptcy Attorney has created the below infographic to help explain PayDay loans and their side effects. If you'd like to get a free consultation, please contact our bankruptcy lawyers .



For helping you get a better understanding of Bankruptcy, we have setup a Bankruptcy Information Center at our website.

Tuesday, March 11, 2014

How to get a Free Credit Report

Its important to know how to check your credit . A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or have filed for bankruptcy. You are entitled to a free credit report every year.

Only one website, http://www.annualcreditreport.com,  is authorized to fill orders for the free annual credit report you are entitled to under law. Other websites that claim to offer free credit reports, are not endorsed by the US Govt. and "may" even be scams.

Our San Antonio Bankruptcy Attorney has created the below infographic to help you understand "How to get a Free Credit Report". If you'd like to get a free consultation, please contact us .


For helping you get a better understanding of Bankruptcy, we have setup a Bankruptcy Information Center at our website.

Tuesday, March 4, 2014

Reducing Credit Card Debt

Credit Card Debt can in a short time take over ones life.

How can one deal with increasing Credit Card Debt?
What are your options when dealing with unmanagable Credit Card Debt?

Our San Antonio Bankruptcy Attorney has created the below infographic to help answer these common questions regarding Credit Card Debt in the simplest possible manner. If you'd like to get a free consultation, please contact us .



For helping you get a better understanding of Bankruptcy, we have setup a Bankruptcy Information Center at our website.

Friday, January 24, 2014

Payday Loans

A payday loan is a small, short-term unsecured loan, marketed as a quick, easy way to tide borrowers over until the next payday.

Here’s how they work: A borrower writes a personal check payable to the lender for the amount the person wants to borrow, plus the fee they must pay for borrowing. The company gives the borrower the amount of the check less the fee, and agrees to hold the check until the loan is due, usually the borrower’s next payday. Or, with the borrower’s permission, the company deposits the amount borrowed — less the fee — into the borrower’s checking account electronically. The loan amount is due to be debited the next payday. The fees on these loans can be a percentage of the face value of the check — or they can be based on increments of money borrowed: say, a fee for every $50 or $100 borrowed. The borrower is charged new fees each time the same loan is extended or “rolled over.”

The FTC, the United States Consumer Protection Agency, says that regardless of their name, these small, short-term, high-rate loans by check cashers, finance companies and others all come at a very high price. It has been found that Loan terms that require full payment in as little time as a fortnight alongwith an average annual interest of upto 400%, are responsible for driving a huge percentage of borrowers into a huge debt.


source: http://www.consumer.ftc.gov/media/video-0078-payday-lending

For helping you get a better understanding of Bankruptcy, have setup a Bankruptcy Information Center at our website with information written and curated by our San Antonio Bankruptcy Attorney

Tuesday, January 14, 2014

Phishing Scams

A recent form of cyber crime is Phishing. This is the act of sending an e-mail to a user falsely claiming to be a legitimate enterprise in an attempt to scam the user into disclosing private information. These e-mails often ask for information such as credit card numbers, bank account information, social insurance numbers, and passwords that can be used for identity theft.

video source: http://www.consumerfed.org/issues/consumer-protection-and-privacy/fraud/665/#phishing
For helping you get a better understanding of Bankruptcy, have setup a Bankruptcy Information Center at our website with information written and curated by our San Antonio Bankruptcy Attorney

Monday, January 6, 2014

Beware of Free Trials

Free Trial Offers tells how to check out a free trial before you sign up, and what to do if you find yourself enrolled in a free trial offer without having given your permission: in short, getting charged for merchandise you don't want and didn't order.

Some companies use free trials to sign you up for more products — sometimes lots of products — which can cost you lots of money as they bill you every month until you cancel.



video source: http://www.consumer.ftc.gov/articles/0101-free-trial-offers

For helping you get a better understanding of Bankruptcy, have setup a Bankruptcy Information Center at our website with information written and curated by our San Antonio Bankruptcy Attorney

Friday, January 3, 2014

Identify Theft


Identity theft and identity fraud are terms used to refer to all types of crime in which someone wrongfully obtains and uses another person's personal data in some way that involves fraud or deception, typically for economic gain.

Identity theft affects millions of people each year. It's an unfortunate fact of modern life. But there are certain steps you can take to help keep your personal information from falling into the wrong hands.



video source: http://www.consumer.ftc.gov/media/video-0023-what-identity-theft

For helping you get a better understanding of Bankruptcy, have setup a Bankruptcy Information Center at our website with information written and curated by our San Antonio Bankruptcy Attorney