Ray Fisher

No. All your creditors get notice from the court. The way the court sends it out makes it look like it comes from my office. I only contact the creditors of immediate concern such as mortgage companies or car lenders. I normally contact them in writing by … Read More

Normally you get to keep everything you own. A careful analysis of your property before you file is necessary to be sure you keep everything you want to keep. In some cases you have to plan ahead to time your filing to be able to do this. … Read More

The cost varies.

Chapter 13 cases normally cost $3200 plus filing fees in Austin
The retainer is normally around $1,000 for these case. The retainer is the part of this that is paid up front to the lawyer. Filing fees are currently $274.
Chapter 7 cases normally cost $1500 to … Read More

Usually 2 to 4 years after completion of your case.

Which is worse on my credit, bankruptcy or foreclosure?

There is no clear answer on this. My opinion is foreclosure, but some think bankruptcy is worse.

How long does it take to file bankruptcy?

Bankruptcies are filed online, so they can be filed … Read More

Yes, but if you are filing bankruptcy, your credit is already damaged. Bankruptcy can be a way to clean up your credit and allow you to start rebuilding your credit.

How long will bankruptcy be on my credit report?

10 years from the date of filing

Can I rebuild my credit?

Yes

How … Read More