- Child SupportOnce your Chapter 7 case is over, you receive a Discharge. The discharge prevents your creditors from taking any steps to try to collect their unsecured debt. They cannot call you, write you, sue you, or take any steps that could be considered an attempt to collect its debt. If you want to keep property that has a lien on it, you must keep your payments current, and may be required to reaffirm your debt. Some debts cannot be discharged. Typical examples are child support, alimony, and other domestic support obligations, some taxes, student loans, criminal restitution, and debts for death or personal injury caused by operating vehicles while intoxicated with alcohol or drugs.
- Spousal Support
- Traffic ViolationsFact: Under the current law, you must take a short "class" from an approved credit counseling service before bankruptcy. You do not (and usually should not) attempt a debt repayment plan without guidance. After the short class, you may file your bankruptcy case normally. While you may select your own approved counselor, if you contact our office we’ll arrange for you to use one of our approved vendors and we will include the cost in your “flat fee.” Most of the counseling can be done on the internet or by telephone and it should take about 90 minutes. It is literally impossible to fail. Treat the counseling like the “defensive driving” course you take if you get a traffic ticket. However, understand that your credit counselor probably attended a short training course. Your bankruptcy lawyer has 25 years of experience in hundreds of cases. Listen to your attorney not the counselor.
- Personal Injury
- Bankruptcy© 2012, Mark Ian Agee, Attorney-at-Law. Sole office in Dallas, Texas, but practicing in surrounding cities and counties. Mark Agee is licensed by the Supreme Court of Texas and the Supreme Court of California (presently inactive in California). Mark Agee is certified as a Business Bankruptcy attorney by the American Board of Certification of the American Bankruptcy Institute. Not Certified by the Texas Board of Legal Specialization.
- ForeclosureIn most cases, once you file your case, the "Automatic Stay" immediately goes into effect. The Automatic Stay means that a bankruptcy filing automatically stops, or stays, and brings to a halt most lawsuits, repossessions, foreclosures, evictions, garnishments, attachments, utility shut offs, and debt collection harassment. Generally, creditors cannot take any further action against you or your property without permission from the Bankruptcy Court.
- Debt Collection