- Divorce
- Child SupportIt is important to prioritize timely child support payments, as your divorced spouse is entitled to a great array of legal powers should you fall behind. If your divorce occurred after 1988, all court orders mandating child support also include an authorization for wage garnishments should payments not be made.
- Child Custody and Visitation
- Spousal SupportWage Garnishment. The state of Texas bans the practice of wage garnishment, which involves your employer removing money from your paycheck to compensate creditors. However, several federal exemptions can still lead to situations where debts can place you in danger of wage garnishment, including unpaid child or spousal support, defaulted student loans, and unpaid income taxes. The underlying causes of wage garnishment can be in some situations combated through filing Chapter 7 bankruptcy and Chapter 13 bankruptcy.
- Social Security DisabilityMedical Tools and Funds. Any equipment or medication that is prescribed by a doctor to treat a medical condition is exempt from bankruptcy proceedings. Additionally, funds stemming from benefits meant to treat these conditions are also exempt, meaning elements like social security disability income are typically safe.
- BankruptcyChapter 7 Bankruptcy. This class of consumer bankruptcy requires individuals to pass a Means Test to establish they do not have the ability to partially repay creditors. Your assets will go through the liquidation process, where nonexempt property may be sold to repay outstanding debts. Luckily, we can work to maximize the state of Texas’s generous exemptions to limit consequences of liquidation – you will likely not lose your house, car, or much of your personal property. At the end of the process, you will typically be permitted to discharge unsecured debts.
- ForeclosureThe thought of losing your home can be terrifying, especially if you have built a life in your residence and have nowhere else to immediately go. No one sets out to become delinquent on payments, but unanticipated financial crises can put you behind on your mortgage and at risk of foreclosure.
- DUI/DWI
- EmbezzlementShould the creditor fail or decline to file a valid objection and your judgment lien meets the rest of the above criteria, you will be able to explore avoiding the lien. Our Dallas judgment lien avoidance lawyers can work with you to assess the viability of this approach, represent you before bankruptcy court, and manage any objections from your creditors.