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Notice Mandated By Section 342(b)(1) and 527(a)(1) Of The Bankruptcy Code

Notice Mandated By Section 342(b)(1) and 527(a)(1) Of The Bankruptcy Code


Bankruptcy may make it possible for financially distressed individuals to:
  • Discharge liability for most or all of their debts and get a fresh start. When the debt is discharged, the debtor has no further legal obligation to pay the debt.
  • Stop foreclosure actions on their home and allow them an opportunity to catch up on missed payments.
  • Prevent repossession of a car or other property, or force the creditor to return property even after it has been repossessed.
  • Stop wage garnishment and other debt collection harassment, and give the individual some breathing room.
  • Lower the monthly payments and interest rates on debts, including secured debts such as car loans.
  • Allow debtors an opportunity to challenge the claims of certain creditors who have committed fraud or who are otherwise seeking to collect more than they are legally entitled to.
Bankruptcy, however, cannot cure every financial problem. It is usually not possible to:
  • Eliminate certain rights of secured creditors. Although a debtor can force secured creditors to take
    payments over time in the bankruptcy process, a debtor generally cannot keep the collateral unless the debtor continues to pay the debt.
  • Discharge types of debts singled out by the federal bankruptcy statutes for special treatment, such
    as child support, alimony, student loans, certain court ordered payments, criminal fines, and some taxes.
  • Protect all cosigners on their debts. If relative or friend cosigned a loan which the debtor
    discharged in bankruptcy, the cosigner may still be obligated to repay whatever part of the loan not paid during the pendency of the bankruptcy case.
  • Discharge debts that are incurred after bankruptcy has been filed.
Bankruptcy’s Effect on Your Credit
By federal law, a bankruptcy can remain part of a debtor’s credit history for 10 years. Whether or not the debtor will be granted credit in the future is unpredictable, and probably depends, to a certain extent, on what good things the debtor does in the nature of keeping a job, saving money, making timely payments on secured debts, etc. The section titles in this agreement are for convenience only and have no legal or contractual effect.
Business Hours

Days                 Hour
Monday            9:00 AM to 6:00 PM
Tuesday            9:00 AM to 6:00 PM
Wednesday      9:00 AM to 6:00 PM
Thursday          9:00 AM to 6:00 PM
Friday               9:00 AM to 6:00 PM
Saturday         10:00 AM to 2:00 PM
Sunday            By Appointment

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    We believe that you are entitled to outstanding representation. It is my understanding that anyone is one job loss or one unexpected emergency away from the need for a bankruptcy attorney. All of my clients are good people who have been the victims of bad circumstances. At this firm, you will meet with an attorney at your initial consultation at no charge to you. We can provide a free estimate at this time.

    We file consumer bankruptcy cases in the Eastern District of Texas Sherman Division which includes all of North Texas. This covers all of Collin, Cook, Dallas, Denton, Grayson, Hunt, and Rockwall counties.

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    We can help you navigate your way back to financial freedom

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