My name is William L. Huebner, a Fort Worth bankruptcy lawyer with 20+ years of legal experience. My firm has helped 10,000 families find debt relief. We have helped people from all different walks of life, and we understand the stress and anxiety that comes with financial problems. To begin to ease some of your concerns, I have compiled a list of some of the most common questions I receive from prospective and actual clients.
- Will bankruptcy hurt my credit score?
- Will I ever be able to rebuild my credit?
- Will I lose everything when I file for bankruptcy?
- I've been told I cannot get rid of IRS tax debt, is this true?
- Can I file bankruptcy during a divorce?
- What do I wear to the hearings?
- What's it like to work with Huebner Law Firm, PC?
- Will I have access to my attorney?
- Will I know what is happening with my case?
- Can I pay for your service by credit or debit card?
- Will everyone know I have filed for bankruptcy?
- Will I ever be able to own property again?
- Is it true that married couples must file together?
- Isn’t bankruptcy a sign of failure?
- Will creditors harass me even more if I file?
- Can you choose which debts to put into a bankruptcy?
- Will creditors grill me in court?
This is one of the most common questions that prospective clients ask, and the answer is surprising to most:
In almost every case the client's credit score increases after filing for bankruptcy.
The reason is that first, their credit is already typically not very good. After you receive a discharge of your debts, suddenly you don't have much, if any, outstanding debt, which is something that creditors like. They also know you will be barred for some time from getting another discharge, which is also attractive.
Just like the question about damage to credit scores, the answer is surprising.
Creditors will contact you in droves after you file for pretty much the same reasons as noted above. Creditors love to loan money to people with some income and little or no outstanding debt.
In most cases, you will lose little or nothing. This is a very complicated question, but our office has been especially successful in allowing clients to keep those assets they want and can afford to keep, such as houses and vehicles.
This requires analysis on a case-by-case basis, but in many cases, I can help either eliminate and or reduce the debt liability. I can also help you find a way to pay the IRS back over time without having to pay any more interest or late fees. I believe that my team is much more successful than all those large companies who advertise nationwide, promising to eliminate debt. In my opinion, most of these are run by non-attorneys with large up-front fees and little chance of success. Call my firm today to see if we can help you with your tax debt.
The answer is you generally can, but it may be beneficial to wait. As it depends on a case-by-case basis, to understand the answer requires an in-depth analysis of your unique situation by an attorney.
You wear whatever you are comfortable wearing. The most important rules to remember are to turn off your mobile phone and take off your hat. If you do these two simple things, you will be just fine, regardless of your wardrobe. I am well-versed in courtroom etiquette and can walk you through this process and ease your stress.
I know you are probably wary of working with an attorney in general, especially during such a stressful time. My priority and the priority of my team is to ensure you do not feel judged and that you know you have an advocate who is working diligently to help you find relief. Our representation is compassionate, honest, and accessible.
I handle every case personally and provide one-on-one attention to each client. You can rely on my support and my commitment to do everything in my power to help you.
I will ensure that you are regularly updated on the status of your claim as it progresses. You will receive copies of all court documents and will hear from us regularly to discuss your case. Additionally, you can contact me or a member of my team at any time with any questions or concerns you have.
Possibly. We do accept them, but only from clients not filing bankruptcy. There are usually problems caused by using a credit card right before bankruptcy, so I advise most clients to use other forms of payment.
Bankruptcy is indeed a matter of public record. However, the reality is that only someone who is committed to looking into whether or not you have filed for bankruptcy will ever find out. The only people who will likely know about your bankruptcy are you, me, the court, and those you decide to tell.
Of course. As mentioned above, once your debt is dissolved, you will likely begin to receive credit card offers again and can begin rebuilding your credit score. If you have the financial means to purchase property, you can do so. Just remember to only purchase what you can afford to avoid more financial problems down the line.
This is entirely up to you and your spouse.
In some cases, it might make more sense that you and your spouse file together. In other cases, it may be more beneficial for only one spouse to file. Either way is perfectly okay. That being said, if you are going through a divorce, you may want to file together to save money, or wait until your divorce is finalized to file as an individual.
Absolutely not. People lose their jobs, get divorced, and suffer medical and other emergencies all the time. Such unexpected and life-changing events can wreak havoc on your finances. You may have gone through some hard times that have led to where you are today, but bankruptcy is about turning your life around. It is a step in the right direction and a sign that you are willing to do what it takes to build a better future for you and your family.
It is against the law for creditors to harass someone who has filed bankruptcy. As soon as you file for bankruptcy, an automatic stay is put into effect, which protects you and your property from harassment by creditors.
After a Chapter 7 bankruptcy has been completed, attempts to collect on discharged debts by creditors are legally prohibited. For Chapter 13 bankruptcy payment plans, you will make future payments directly to a trustee who will distribute the funds to creditors. You will never have contact with the creditors included in the plan.
It is common for clients to request they leave off certain debts when completing paperwork since they have every intention of paying them. However, you are required to list all debts when filing for bankruptcy, as all creditors are legally considered equal. This includes everything from credit card debts to a loan from a family member. All of these loans will be considered in a bankruptcy; once discharged, all creditors will be unable to sue you or attempt to collect. However, if you choose to do so, you are still free to repay your relatives or any other creditor.
As part of the bankruptcy process, a creditor meeting will be held. This is a platform for creditors to express why the debt you owe them should not be discharged. This may sound intimidating, but the reality is creditors rarely show up to this meeting. Instead, you’ll speak with a trustee about your recent financial transactions and be on your way in under 10 minutes. I will attend this meeting with you and will make sure you feel completely prepared.
- Drowning in debt
- Feeling stressed because of your finances
- Being harassed by creditors
We fight for families just like yours every day. For over 20 years, we have been providing compassionate advocacy to individuals who are struggling with the drowning feeling of debt and the bullying of relentless creditors. More importantly, we’ve provided results.
I know the idea of bankruptcy is intimidating and that it isn’t easy to ask for help. However, these fears are unnecessary. Bankruptcy is not a sign of failure; it is the first step toward conquering your financial problems. When you retain the services of my firm, you no longer have to worry.
We are professionals with a comprehensive understanding of bankruptcy law in Texas and we will walk you through the process every step of the way. With a meticulous attention to detail, you can feel confident that we are doing everything in our power to help you achieve freedom from debt.
As we understand that your finances are tight, we provide free initial consultations, charge $0 down to start your case, and offer flexible payment plans starting at $50 a week.
Courts judge people, but we don't.
We are backed by 20+ years’ experience.
We offer completely free consultations.
It is $0 down to start your case.
We offer competitive pricing.
Our payment plans start at $50/week.
We have helped over 10,000 families.
We make weekend appointments available!