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Bankruptcy Blog

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  • Will I Lose My Doctor if I Discharge the Money I Own Him?

    The United States spends more on health care than any other country in the world. In 2017, the United States spent about $3.5 trillion on health expenditures, which is more than twice the average among developing countries. With the average healthcare cost per person reaching $10,345 in 2016, experts predict that figure will increase to about $15,000 in 2023. If you are dealing with extensive ...
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  • Pros & Cons of Chapter 13 Bankruptcy

    If you are struggling with debt, one option for finding relief is to file for Chapter 13 bankruptcy. You may be wondering if Chapter 13 is the right option for you, so the experienced Fort Worth bankruptcy attorney at Huebner Law Firm, P.C. has put together the pros and cons of filing for Chapter 13 bankruptcy to help make your decision. The Pros of Chapter 13 Bankruptcy Chapter 13 bankruptcy is ...
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  • How to Rebuild Your Credit After Chapter 7 Bankruptcy

    Chapter 7 bankruptcy is the most common form of consumer bankruptcy because the process from filing to discharging debt only takes about 3 to 6 months. Although bankruptcy can be extremely helpful for families who are overwhelmed with debt, many people choose not to file because they fear the effects that bankruptcy will have on their credit score. However, the truth is that leaving your debts ...
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  • How Long Do I Have to Wait to File Bankruptcy Again?

    There are many benefits to bankruptcy, including avoiding foreclosure and putting an end to creditor harassment. If you are still in debt and have financial troubles, there are no restrictions on the number of times you can file for bankruptcy. However, there is a waiting period for you depending on the type of bankruptcy you filed previously. Read below to learn more about your legal options if ...
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  • Pros & Cons of Chapter 7 Bankruptcy

    Deciding whether to declare bankruptcy is a tough decision. Debt affects your credit, your reputation, and your assets. Determining whether to file Chapter 7 or Chapter 13 bankruptcy is also a tough choice because everyone’s situation is different. Huebner Bankruptcy has put together a list of the pros and cons of Chapter 7, so you can determine if it is the right choice for you. For more ...
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  • Do You Qualify for Chapter 13 Bankruptcy?

    If you are struggling with debt, one possible solution is to file for Chapter 13 bankruptcy. This is a form of bankruptcy that reorganizes your debt to make it easier to handle. Under Chapter 13, the debtor repays creditors using a 3- to 5-year repayment plan. The benefits of filing for Chapter 13 bankruptcy is that it protects your assets, like your car and your home. How to Qualify for Chapter ...
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  • What Happens to My Assets During Bankruptcy?

    Filing for bankruptcy can be overwhelming, especially if there is a possibility you can lose all your assets. There are cases when the court may force you to sell certain belongings to pay back your creditors— particularly through a Chapter 7 bankruptcy . However, not everything you own will be up for sale. When you file for bankruptcy, there are certain assets and property that are exempt from ...
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  • Does Filing for Bankruptcy Affect Your Spouse?

    Married couples share every aspect of their life with one another, even their finances. Still, sometimes one member of the marriage may need to declare bankruptcy to get out from under their debt, even if the other doesn't. If you are married, you can file for bankruptcy without your spouse. However, even if you file as an individual, it may still affect them. How Can Your Bankruptcy Affect Your ...
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  • Which Bankruptcy Option Will Allow Me to Keep My Home?

    Making the decision to declare bankruptcy is a challenging process—especially when it can jeopardize the ownership of your property. If you are thinking about declaring bankruptcy but worry about what might happen to your home, there are various ways to help you keep your house. There are two different types of bankruptcies you can file for: Chapter 7 and Chapter 13. Chapter 7 allows you to ask ...
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  • Can I Get a Bankruptcy Off My Credit Report?

    Filing for bankruptcy can be an overwhelming and scary process—especially when it affects your ability to own a home or secure a loan in the future. However, filing for a bankruptcy doesn’t mean that you won’t be able to rebuild your financial profile eventually. In fact, you can rebuild your credit report starting today—here is how. Develop Good Financial Habits Before you start thinking about ...
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  • Why You Should Not Delay in Filing for Bankruptcy

    If you are waiting for your serious debt matter to turn around on its own, it is time to take action and actively pursue debt relief. Time is of the essence when it comes to bankruptcy law. You can take the first step by reaching out to our Fort Worth bankruptcy attorney to discuss your matter. There are many reasons to speak with an experienced legal counselor from the start. To begin with, ...
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  • The Primer on Short Sales & Foreclosure Defense

    Foreclosures are a costly and painful process for all homeowners. They severely hobble a person’s ability to own a home in the future while putting them through an embarrassing and painful process in the present. However, homeowners have a tool at their disposal to defend themselves from foreclosure: short sales. Below, we’ve prepared some foundational questions and clear answers to help you ...
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  • Stuff You Keep In Bankruptcy

    When you file a bankruptcy, you get to keep property that is considered exempt under the laws of your state. Wow! That’s great: get rid of debts and keep the house, car and whatever… Of course, it’s not quite that easy and the exemptions can vary from state to state. But in Texas, you have some of the most debtor friendly exemption laws there are in any state. Those differences can be dramatic, ...
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  • Chapter 13 & Child Support Payment Plans

    As parents, we want to do everything in our power to help with our children. Wherever life takes you–whether divorce, difficulty or otherwise– you have a personal responsibility for your children. When bankruptcy comes into the picture and strains your obligations to your children, The Huebner Law Firm can help! Court ordered Child Support obligations are not dischargeable in bankruptcy, but ...
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  • How Your Credit Score Is Determined

    Your credit score reflects your ability to borrow money. The higher your score, the easier it will be to obtain a mortgage car loan, lease, credit card or other extension of credit by a lender–including banks, stores and other credit card issuers. Your credit score is reflected by your credit report and may affect a lender’s decision to grant your request to borrow money. The Three Major Credit ...
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