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.

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.

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.

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.

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.

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.

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.

A Timeline of Chapter13 Bankruptcy

Chapter 13 Bankruptcy allows a person with a steady income to devise a plan towards repaying part or all of their debt.
To help you understand Chapter 13 bankruptcy in a simple yet comprehensive manner, our Bankruptcy Attorney has created this infographic explaining the Chapter 13 Timeline

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

Bankruptcy Exemptions in Texas - I

Federal law sets forth a list of exemptions to be used in bankruptcy, called the federal bankruptcy exemptions. In Texas, you can declare either Federal or State exemptions but you can't declare both, this infographic explains the Federal exemptions. 

  

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

Wish to embed this infographic in your posts, please use the embed code below

<iframe width="600" height="5578" frameborder="0" style="overflow-y:hidden;" src="https://magic.piktochart.com/embed/751234-bankruptcy-exemptions-in-texas-pt"></iframe>

CHAPTER 7 vs. CHAPTER 13

Want to know the difference between Chapter 7 and Chapter 13? Here is an infographic to help you understand it in a simple manner. Please feel free to share it and leave your feedback and comments below. 

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

Wish to embed this infographic in your posts, please use the embed code below

<iframe width="800" height="3412" frameborder="0" style="overflow-y:hidden;" src="https://magic.piktochart.com/embed/634341-hipster"></iframe>