The Pope Law Firm
Compassionate Attorneys on YOUR Side.
The Pope Law Firm
5100 Westheimer
Suite 200
Houston, TX 77056
ph: 713-292-2390
fax: 281-657-9693
info
Bankruptcy Information
You can choose the kind of bankruptcy that best meets your needs (provided you meet certain qualifications):
Chapter 7 – Chapter 7 bankruptcy is a liquidation proceeding available to consumers and businesses. Those assets of a debtor that are not exempt from creditors are collected and liquidated (reduced to money), and the proceeds are distributed to creditors. A consumer debtor receives a complete discharge from debt under Chapter 7, except for certain debts that are prohibited from discharge by the Bankruptcy Code.
Chapter 13 – often called wage-earner bankruptcy, is used primarily by individual consumers to reorganize their financial affairs under a repayment plan that must be completed within three or five years. To be eligible for Chapter 13 relief, a consumer must have regular income and may not have more than a certain amount of debt, as set forth in the Bankruptcy Code. You can usually keep your property, but you must earn wages or have some other source of regular income and you must agree to pay part of your income to your creditors. The court must approve your repayment plan and your budget. A trustee is appointed and will collect the payments from you, pay your creditors, and make sure you live up to the terms of your repayment plan.
Chapter 12 – Like chapter 13, but it is only for family farmers and family fishermen.
Chapter 11 – This is used mostly by businesses. In chapter 11, you may continue to operate your business, but your creditors and the court must approve a plan to repay your debts. There is no trustee unless the judge decides that one is necessary; if a trustee is appointed, the trustee takes control of your business and property.
One of the reasons people file bankruptcy is to get a “discharge.” A discharge is a court order which states that you do not have to pay most of your debts. Some debts cannot be discharged. For example, you cannot discharge debts for–
- most taxes;
- child support;
- alimony;
- most student loans;
- court fines and criminal restitution; and
- personal injury caused by driving drunk or under the influence of drugs.
The discharge only applies to debts that arose before the date you filed. Also, if the judge finds that you received money or property by fraud, that debt may not be discharged.
It is important to list all your property and debts in your bankruptcy schedules. If you do not list a debt, for example, it is possible the debt will not be discharged. The judge can also deny your discharge if you do something dishonest in connection with your bankruptcy case, such as destroy or hide property, falsify records, or lie, or if you disobey a court order.
You can only receive a chapter 7 discharge once every eight years. Other rules may apply if you previously received a discharge in a chapter 13 case. No one can make you pay a debt that has been discharged, but you can voluntarily pay any debt you wish to pay. You do not have to sign a reaffirmation agreement (see below) or any other kind of document to do this.
Some creditors hold a secured claim (for example, the bank that holds the mortgage on your house or the loan company that has a lien on your car). You do not have to pay a secured claim if the debt is discharged, but the creditor can still take the property.
Contact us today!
We welcome your questions and queries. Please see our Contact Us page for complete contact information.
bankruptcy law houston, texas bankruptcy lawyer, bankruptcy attorney in houston texas, houston bankruptcy attorney, bankruptcy lawyer in texas, bankruptcy law, texas consumer bankruptcy lawyer, texas consumer bankruptcy attorney, houston attorney, houston lawyer, creditor harassment, foreclosure, credit card debt, repossession, chapter 7, liquidation, debt, debt collection, chapter 13 bankruptcy, debt consolidation, law firm, chapter 7, debtor, bankruptcy trustee, discharge, chapter 13, creditors, houston texas attorney, houston texas lawyer
Houston Bankruptcy Lawyer,Houston Bankruptcy Attorney,Houston Texas Bankruptcy Lawyer,Houston Texas Bankruptcy Attorney
bankruptcy lawyer in houston, houston family law attorney, houston divorce attorney, law firm, texas divorce, discounted attorney fees, professional legal services, debt relief agency, debt consolidation, consumer bankruptcy
foreclosure,home,financial,payments,house,problem,money,able,might,lender,interest,make,possible,foreclosure home,alternative,mortgage,mortgage payments,another alternative,ward foreclosure,lender explain problem
Houston, Texas,Debt Defense, Debt Lawsuit,Fair Debt Collection,fdcpa,Collection,Debt Collection,credit report,fcra,Fair Credit Reporting Act,tcpa,telemarketing,law,lawyer,attorney,door to door sales,forclosure,subprime lending,foreclosure, repossession,auto,car,autofraud, auto fraud,auto law,lemon law,consumer, consumer law,tila,truth in lending,dtpa,deceptive trade practice,udap,fraud,insurance bad faith,junk faxes,class action,arbitration, arbitration,law,debt buyer,consumer help,home repair law,bankruptcy,reorganization,chapter 7,chapter13,lawsuit,collector,debt collector,predatory lending,credit reprot errors,consumer lawyer,consumer attorney,equal credit opprotunity,ecoa,consumer credit,consumer credit law,consumer law,consumer law office,deceptive trade practices act,texas debt collection,texas debt collection,hosuton fair debt collection,houston consumer lawyer,houstin consumer attorney,houston fdcpa attorney,houston fair debt collection attorney,houston debt defense,debt defense houston,debt collection law,debt collection defense,houston debt defense,houston debt defense,debt defense houston,fcra lawyer, fcra attorney,houston fcra attorney,houston fcra lawyer,houston fdcpa attorney,houston fdcpa lawyer,fdcpa attorney houston,fdcpa lawyer,fdcpa attorney houston,fdcpa lawyer houston, houston fair debt collection attorneu,fair debt collection houston,houston fair debt collection,houston fair debt collection attorney,houston fair debt collection lawyer,fair debt collection attorney houston,fair debt collection lawyer houston,houston fair debt collection law,fair debt collection houston,debt attorney houston,debt lawyer houston,houston debt collection lawyer,debt collection lawyer houston,debt collection attorney houston,houston debt collection attorney,houston debt collection law,debt colection law houston,fcra lawyer houston,fcra attorney houston,houston fcra attorney,houston fcra lawyer,houston fair credit reporting act attorney,houston fair credit reporting act attorney,fiar credit reporting act attorney houston,fair credit reproting act attorney houston,houston credit report attorney,houston credit reprot lawyer,credit report attorrney houston,credit report lawyer houston,credit reprort law,credit reporting law,houston credit reproting attorney,houston credit reporting lawyer,houston junk fax attorney,houston junk fax lawyer,junk fax attorneu houston,junk fax lawyer houston,tcpa lawyer houston,tcpa attorney houston,houston tcpa attorney,houston tcpa lawyer,houston dtpa attorney, houston dtpa law,houston dtpa lawyer,dtpa atorney houston,dtpa lawyer houston,houston deceptive trade practice attorney,houston deceptive trade practices lawyer,deceptive trade practices lawyer houston,deceptive trade practices attorney attorney houston,houeton consumer law,consumer law houston,houston consumer attrorney,houston consumer lawyer,consumer attorney houston,consumer lawyer houston,houston consumer class action attorney,houston consumer
bankruptcy law katy, texas bankruptcy lawyer, bankruptcy attorney in katy texas, katy bankruptcy attorney, bankruptcy lawyer in texas, bankruptcy law, texas consumer bankruptcy lawyer, texas consumer bankruptcy attorney, katy attorney, katy lawyer, creditor harassment, foreclosure, credit card debt, repossession, chapter 7, liquidation, debt, debt collection, chapter 13 bankruptcy, debt consolidation, law firm, chapter 7, debtor, bankruptcy trustee, discharge, chapter 13, creditors, katy texas attorney, katy texas lawyer
Katy Bankruptcy Lawyer,Katy Bankruptcy Attorney,Katy Texas Bankruptcy Lawyer,Katy Texas Bankruptcy Attorney
bankruptcy lawyer in katy, katy family law attorney, katy divorce attorney, law firm, texas divorce, discounted attorney fees, professional legal services, debt relief agency, debt consolidation, consumer bankruptcy
foreclosure,home,financial,payments,house,problem,money,able,might,lender,interest,make,possible,foreclosure home,alternative,mortgage,mortgage payments,another alternative,ward foreclosure,lender explain problem
Katy, Texas,Debt Defense, Debt Lawsuit,Fair Debt Collection,fdcpa,Collection,Debt Collection,credit report,fcra,Fair Credit Reproting Act,tcpa,telemarketing,law,lawyer,attorney,door to door sales,forclosure,subprime lending,foreclosure, repossession,auto,car,autofraud, auto fraud,auto law,lemon law,consumer, consumer law,tila,truth in lending,dtpa,deceptive trade practice,udap,fraud,insurance bad faith,junk faxes,class action,arbitration, arbitration,law,debt buyer,consumer help,home repair law,bankruptcy,reorganization,chapter 7,chapter13,lawsuit,collector,debt collector,predatory lending,credit reprot errors,consumer lawyer,consumer attorney,equal credit opprotunity,ecoa,consumer credit,consumer credit law,consumer law,consumer law office,deceptive trade practices act,texas debt collection,texas debt collection,hosuton fair debt collection,katy consumer lawyer,houstin consumer attorney,katy fdcpa attorney,katy fair debt collection attorney,katy debt defense,debt defense katy,debt collection law,debt collection defense,katy debt defense,katy debt defense,debt defense katy,fcra lawyer, fcra attorney,katy fcra attorney,katy fcra lawyer,katy fdcpa attorney,katy fdcpa lawyer,fdcpa attorney katy,fdcpa lawyer,fdcpa attorney katy,fdcpa lawyer katy, katy fair debt collection attorneu,fair debt collection katy,katy fair debt collection,katy fair debt collection attorney,katy fair debt collection lawyer,fair debt collection attorney katy,fair debt collection lawyer katy,katy fair debt collection law,fair debt collection katy,debt attorney katy,debt lawyer katy,katy debt collection lawyer,debt collection lawyer katy,debt collection attorney katy,katy debt collection attorney,katy debt collection law,debt colection law katy,fcra lawyer katy,fcra attorney katy,katy fcra attorney,katy fcra lawyer,katy fair credit reporting act attorney,katy fair credit reporting act attorney,fiar credit reporting act attorney katy,fair credit reproting act attorney katy,katy credit report attorney,katy credit reprot lawyer,credit report attorrney katy,credit report lawyer katy,credit reprort law,credit reporting law,katy credit reproting attorney,katy credit reporting lawyer,katy junk fax attorney,katy junk fax lawyer,junk fax attorneu katy,junk fax lawyer katy,tcpa lawyer katy,tcpa attorney katy,katy tcpa attorney,katy tcpa lawyer,katy dtpa attorney, katy dtpa law,katy dtpa lawyer,dtpa atorney katy,dtpa lawyer katy,katy deceptive trade practice attorney,katy deceptive trade practices lawyer,deceptive trade practices lawyer katy,deceptive trade practices attorney attorney katy,houeton consumer law,consumer law katy,katy consumer attrorney,katy consumer lawyer,consumer attorney katy,consumer lawyer katy,katy consumer class action attorney,katy consumer
Foreclosure, Repo, Debt, Relief, Child Custody, Child Support, Debt Relief, Will, Real Estate, Quiet Title, Adverse Possession, Save my Home, Keep my Car, foreclosure prevention act, foreclosure prevention,LLC, Partnership, incorporate your business, help, need help, legal, legal help, lawyer, need a lawyer, bankruptcy lawyer in houston, lawyer in katy, lawyer in katy, attorney in lawyer, attorney in katy, Bankruptcy, Attorney, Stop Foreclosure, Stop Repo, Home, Car, Attorney, Lawyer, Real Estate, Consumer, DTPA, FDCPA, Contract, Bankruptcy attorney in Houston, Bankruptcy Attorney in Sugarland, Bankruptcy Attorney in Katy,The Pope Law Firm
The Pope Law Firm
5100 Westheimer
Suite 200
Houston, TX 77056
ph: 713-292-2390
fax: 281-657-9693
info
