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.

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.

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.

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.

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.

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.

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.

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

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Understanding Debt

What is Debt? What is the difference between Good and Bad Debt? How much Debt is too much?

Our San Antonio Bankruptcy Attorney has created the below infographic to help answer these common questions regarding 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.