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News and Opinion

01
Sep

As the flood waters begin subsiding over the next few days and recovery begins, we wanted to share a few important points about what happens if you are unable to make payments to your mortgage company, car lender, credit card companies, student loans, etc., due to Harvey: 1. A declaration of a disaster zone does […]

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01
Aug

A mortgage modification is when a homeowner requests that the mortgage lender restructure the loan, usually due to financial difficulties. When a homeowner requests a mortgage modification, they go into the application process assuming it will be a simple and quick process, only to be met with delays, unreturned telephone calls, and multiple claims by […]

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05
Jun

An opinion was issued by the Supreme Court of the United States last week in a case that bankruptcy lawyers, trustees and judges had been anxiously following. The question was whether the act of a creditor filing a ‘stale’ proof of claim in a Chapter 13 bankruptcy violated the Fair Debt Collection Practices Act (FDCPA). […]

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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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