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News and Opinion

05
Apr

It is that time of year again! Your federal tax returns are due in a few weeks. In my line of work I frequently see incorrect returns or returns with questionable information. This blog post is a summary of common mistakes I see – usually created by tax preparers who lack knowledge of the tax […]

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29
Oct

Periodically, the ‘median income’ numbers are adjusted by the U.S. Census Bureau and published by the office of the United States Trustee. Median income is roughly the amount of money that an average family makes annually on a state-by-state basis.   The numbers in Texas will be increasing as of November 1, 2015, as shown […]

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11
Sep

There have been some drastic changes over the interpretation of the laws called exemptions in the Fifth Circuit over the last few years. These changes have been even more pronounced in the Southern District of Texas (which covers Houston). If you are a lawyer, you should be aware of these cases. If you are a […]

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09
Sep

Many of the telephone calls we receive are because people have been sued for an unpaid credit card or medical bill, either by the original issuer or by a debt buyer. The first indication a consumer may have that they have been sued is when they receive advertisement letters from lawyers telling the consumer that […]

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11
May

People on websites like Avvo.com often ask questions about companies offering ‘debt consolidation,’ ‘debt management,’ ‘credit repair’ or ‘debt settlement.’ These questions are asked so frequently that I am writing this blog to share helpful information. Both consumers and companies use many of these terms interchangeably. Each term, however, refers to a specific type of […]

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01
May

Yes, but very rarely. Federal law currently does not allow for the discharge of student loans in bankruptcy except in extreme circumstances. Absent a physical or mental inability to support yourself or a showing that repaying the student loans would take food off the table, a student loan survives bankruptcy. An attempt to discharge student […]

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