Our Results
DISCLAIMER: Each legal case is different and the results are dependent on each client’s specific facts. Past case results of Dove Law Firm, PLLC should not create an expectation of similar results for other current or potential clients.
• Contested Cases
• Chapter 7
• Chapter 13
• Lawsuits
Contested Cases
The Debtor filed a Chapter 13 bankruptcy to protect his truck and trailer from creditors. The Debtor’s trailer was his home. Prior to the filing of his bankruptcy the Debtor became disabled and sold his homestead. He used the proceeds of the sale of his homestead to invest in various online money making opportunities. He also purchased a truck and trailer that he began using as his home.
The Trustee opposed confirmation arguing that the case was not filed in good faith because the Debtor had expended all of his savings prior to filing. The Judge took into consideration that the Debtor was a disabled veteran and that his sole source of income at the time of filing was Social Security Disability Income. The Judge, in what he mentioned was a close decision, over ruled the Chapter 13 Trustee’s objection and confirmed the Chapter 13 bankruptcy plan.
The Debtor lost his dental practice after a divorce and major medical issues. The Debtor began working as a dentist on a contract basis and then filed Chapter 7 bankruptcy. The Debtor’s income at the time the Chapter 7 was filed was too much to ‘pass’ the means test. The Debtor argued that his student loans were non-consumer debts, making more than half of his total debts non-consumer (exempting him from the means test requirement).The Judge ruled that because the Debtor went to dental school for the purposes of starting his own dental business, the portion of the Debtor’s student loans that were actually used for tuition, books and fees was not consumer debt. With this ruling more than half of the Debtor’s total debts were considered non-consumer debts and the Debtor received his Chapter 7 discharge.
The Debtor had a previous Chapter 13 bankruptcy dismissed due to missed bankruptcy plan payments. The Debtor filed a second Chapter 13 bankruptcy and the mortgage company contested the Debtor’s “Motion to Extend the Automatic Stay.” The mortgage company argued that the Debtor filed bankruptcy twice after receiving notice of a pending foreclosure sale date. The mortgage company also argued that the Debtor’s budget was too thin and would likely result in a second dismissal due to missed bankruptcy plan payments.The Debtor responded that her circumstances had changed. The Debtor argued that her employment was more stable during the pendency of the second case and that the Debtor’s mother would help the Debtor financially as needed in months where the Debtor’s income from employment would fluctuate due to changes in hours.
In a close call, the Judge granted the motion and extended the automatic stay with conditions. The automatic stay was conditioned upon the Debtor being current on her bankruptcy plan payments at the end of each calendar month. The conditions allowed for the mortgage company to file an affidavit lifting the stay in any month where the Debtor was not current at the end of the calendar month.
In a close call, the Judge granted the motion and extended the automatic stay with conditions. The automatic stay was conditioned upon the Debtor being current on her bankruptcy plan payments at the end of each calendar month. The conditions allowed for the mortgage company to file an affidavit lifting the stay in any month where the Debtor was not current at the end of the calendar month.
The Debtors filed Chapter 13 bankruptcy. After almost two years of timely payments under their Chapter 13 bankruptcy plan, the husband suffered severe illness causing him to be unable to work. Prior to his illness, the husband had worked two jobs and was the primary source of household income.At the time that their Chapter 13 bankruptcy was filed, Mr. and Mrs. Lowry were ineligible for a Chapter 7 bankruptcy due to a previously discharged Chapter 7 bankruptcy case. The Debtors were not eligible to convert to a Chapter 7 case and could not afford to make further payments in a Chapter 13 bankruptcy. A motion for a hardship discharge was filed. After considering the facts of the case, a hardship discharge was granted by the Judge.
Please note that some of the above “Contested Cases” were clients of The Schachter Law Firm, P.C.. Ryan Dove (now of Dove Law Firm, PLLC) was the attorney in charge for each case and conducted the trial and/or hearing in each case.
Chapter 7 Cases
Deer Park, Texas married couple sought advice and one spouse filed Chapter 7 bankruptcy. The client was able to keep his property and discharged over $70,000 in unsecured debt (most of which were unexpected medical bills). The client did not have to give up any of his stuff as a part of the Chapter 7 bankruptcy.
Missouri City, Texas married couple filed Chapter 7 bankruptcy after the husband lost his job and they were sued for an unpaid debt. The clients were able to discharge $40,000 in unsecured debt and to get out from under a car note with a very high monthly payment. As a part of the Chapter 7 bankruptcy process, a judgment lien against the clients was wiped out.
Houston, Texas resident filed Chapter 7 bankruptcy after an unexpected reduction in income. The client was able to keep her car and to keep making payment and was able to wipe out over $18,000 in unsecured debt.
Houston, Texas resident filed Chapter 7 bankruptcy after being sued by debt collectors for unpaid debts. She depended on family members for support and was able to discharge over $18,000 in unsecured debt while keeping her home.
Rosenberg, Texas married couple filed Chapter 7 bankruptcy after being sued for an unpaid debt. The couple was able to discharge over $95,000 in unsecured debts, including a debt from foreclosure of a previous home.
Sugar Land, Texas married couple filed Chapter 7 bankruptcy after one spouse, who was the primary earner, lost his job and was sued for an unpaid credit card. They were able to wipe out over $124,000 in unsecured debt and keep their house and other belonging.
Spring, Texas resident filed Chapter 7 bankruptcy after falling behind on credit card payments (and being sued by a debt collector) while going back to school. The Chapter 7 discharged over $40,000 in unsecured debt and voided a judgment lien.
Houston, Texas resident filed Chapter 7 bankruptcy as a result of a divorce and a failed business. The client was able to discharge over $159,000 in unsecured debt (most of which was a result of the business having to be closed) and was able to void a judgment lien.
Rosenberg, Texas residents filed a Chapter 7 bankruptcy after being sued by a debt buyer. The bankruptcy stopped the lawsuit. The Debtors discharged over $101,000 in unsecured debt. The client did not have to give up any of his property as a part of the Chapter 7 bankruptcy.
Houston, Texas resident filed Chapter 7 bankruptcy after being sued by a creditor. The client discharged over $235,000 in unsecured debt (most of which was from medical bills). The client did not have to give up any of his property as a part of the Chapter 7 bankruptcy.
Stafford, Texas resident was able to discharge over $60,000 worth of unsecured debt. The discharged debt included turning in a car of which the client could no longer afford the monthly payments. The client did not have to give up any of his property as a part of the Chapter 7 bankruptcy.
Houston, Texas resident was able to discharge over $50,000 worth of unsecured debt after client lost his job. The client was able to keep his former homestead which was then being used as a rental property. In exchange for the discharge in the Chapter 7 bankruptcy the client was required to turn over $3,695.02 from a tax return and the sale of a few shares of stock (the client knew this before the case was filed).
Cypress, Texas married couple was able to discharge over $100,000 worth of unsecured debt after client lost his job. The clients were able to keep their home worth over $335,000. The filing of the Chapter 7 bankruptcy also stopped a lawsuit that had been filed against the clients by a debt collector. The clients did not have to give up any of their property as a part of the bankruptcy.
Cypress, Texas resident was able to discharge over $195,000 worth of unsecured debt, including a foreclosure deficiency. The filing of the Chapter 7 bankruptcy also stopped a lawsuit that had been filed against the clients by a bank for an unpaid credit card. The client did not have to give up any of her property as a part of the bankruptcy.
Brookshire, Texas resident was able to discharge over $26,000 worth of unsecured debt. Client was able to keep her mobile home and to continue making payments. The client did not have to give up any of her property as a part of the Chapter 7 bankruptcy.
Houston, Texas married couple was able to discharge over $84,000 worth of unsecured debt after new job opportunities did not pan out as planned. One of the discharged debts was a result of a repossessed automobile. The clients did not have to give up any of their property as a part of the Chapter 7 bankruptcy.
Houston, Texas resident was able to discharge over $16,000 in unsecured debt after a job loss. The client did not have to give up any of her property as a part of the Chapter 7 bankruptcy. The client did not have to give up any of their property as a part of the bankruptcy.
Katy, Texas resident was able to discharge over $43,000 in unsecured debt after a job loss. The client did not have to give up any of his property as a part of the Chapter 7 bankruptcy. The client did not have to give up any of their property as a part of the bankruptcy.
Deer Park, Texas married couple was able to discharge over $50,000 in unsecured debt after client lost his regular overtime work by filing a Chapter 7 bankruptcy. The clients did not have to give up any of their property as a part of the bankruptcy.
Houston, Texas married couple was able to discharge over $35,000 in unsecured debt. The filing of the Chapter 7 bankruptcy also stopped a lawsuit that had been filed against the clients by a debt collector. The clients did not have to give up any of their property as a part of the bankruptcy.
Katy, Texas married couple was able to discharge over $87,000 in unsecured debt. The filing of the Chapter 7 bankruptcy also stopped a lawsuit that had been filed against the clients by a lender for an unpaid credit card. In exchange for the discharge the clients were required to turn over an old rifle and an 18 year old camper trailer (the clients knew this before the case was filed).
Magnolia, Texas single parent of 3 was able to discharge over $70,000 in unsecured debt. Client did not have to give up any property as a part of this Chapter 7 bankruptcy.
Houston, Texas individual was sued by two creditors for unpaid debts after an increase in expenses due to helping out family members. The client filed a Chapter 7 bankruptcy and was able to discharge over $14,000 in debt and to avoid a judicial lien. The Chapter 7 bankruptcy filing stopped the second lawsuit before a judgment could be entered.
Houston, Texas married couple met with Dove Law Firm, PLLC after being sued for an unpaid credit card. Both spouses were retired and could not afford to pay off their credit cards on their fixed income. By filing Chapter 7 bankruptcy they were able to discharge over $122,000 in unsecured debt.
Cypress Texas married couple filed Chapter 7 bankruptcy after an increase in family size and an unexpected reduction in income. They were able to discharge over $84,000 in unsecured debt and were able to keep all of their property during the Chapter 7 bankruptcy process.
Houston, Texas individual filed Chapter 7 bankruptcy after being sued by a debt collector for an unpaid credit card. The Client was able to discharge over $22,800 in unsecured debt and the Chapter 7 bankruptcy filing put a stop to the lawsuit.
Houston, Texas married individual filed a Chapter 7 bankruptcy after falling being on credit card payments due to an unexpected job loss. The client’s Chapter 7 bankruptcy wiped out over $46,000 in unsecured debt. The Chapter 7 bankruptcy also halted two lawsuits that had been filed against the client for unpaid debts.
Houston, Texas married individual fell behind on creditor card payments after a business failed and the client also lost his job. He was sued by a credit card and subsequently filed Chapter 7 bankruptcy. The Chapter 7 bankruptcy filing stopped the lawsuit and the client was able to discharge over $48,000 in unsecured debts
Houston, Texas resident was sued by several creditors after experiencing an unexpected decline in income. After filing a Chapter 7 bankruptcy the client was able to discharge over $38,000 in unsecured debt as well as to avoid two judgment liens.
College Station, Texas resident filed Chapter 7 bankruptcy after being sued by a credit card company. The client was able to discharge over $35,000 in secured debt and was not required to turn over any of her property as a part of the bankruptcy.
Richmond, Texas resident sought help after being sued for an unpaid debt. The client filed a Chapter 7 bankruptcy and was able to discharge over $16,000 in unsecured debt and did not have to give up any of her property.
Magnolia, Texas resident sought help after being sued by a hospital for over $34,000. The client was having health issues and living off of Social Security Income. Client filed a Chapter 7 bankruptcy and was able to discharge over $49,000 in unsecured debt (most of which was from unpaid medical bills).
Houston, Texas married couple was unable to pay down their credit cards after both clients became retired. They filed Chapter 7 bankruptcy and were able to wipe out over $30,000 in debt while keeping all of their property, including their paid off home.
Richmond, Texas married individual filed Chapter 7 and was able to discharge over $64,000 in unsecured debt. The client filed bankruptcy after having to retire after being laid off and was unable to find work. The couple did not have to give up any of their possessions as a part of the bankruptcy even though they had some equipment for a home-based business.
Houston, Texas married couple were unable to pay their credit cards and medical bills after their family grew. They were able to keep their home and both cars while wiping out over $100,000 in unsecured debt.
Houston, Texas individual filed Chapter 7 bankruptcy after lawsuits were filed for unpaid debt from a failed construction business. Client was able to discharge over $200,000 in unsecured debt and was able to void the judgment lien of a credit card company.
League City, Texas married couple met with the Dove Law Firm, PLLC after they were sued by a debt collector. The husband was retired and the wife had gone back to work to help with their financial struggles. They filed a Chapter 7 bankruptcy and they were able to discharge over $110,000 in unsecured debt and stop the lawsuit they were facing.
Houston, Texas resident fell behind on credit card payments after an unexpected reduction in income. Client filed a Chapter 7 bankruptcy after being sued for an unpaid credit card. Client was able to successfully discharge over $30,000 in unsecured debt and did not have to give up any property as a part of the bankruptcy process.
Houston, Texas resident filed Chapter 7 as a result of a failed business. Client was able to successfully discharge over $400,000 in unsecured debt that arose from running the business. Client had 6 judgments entered against client before the Chapter 7 was filed. Client was also able to have the judgment liens avoided during the bankruptcy.
Confirmed CH 13 Cases
Dickinson, Texas married couple filed Chapter 13 after being unable to afford their home any longer. The confirmed Chapter 13 plan will pay back over $45,000 in child support arrears and over $7,800 owed to the IRS while discharging over $23,000 in unsecured debt (in addition to wiping out the balance on the mortgage from their former home).
Houston, Texas married couple filed Chapter 13 after they were facing foreclosure of their home due to back property taxes. The confirmed Chapter 13 plan will allow them to save their home by paying the back property taxes over time as well as removing their personal liability from several other pieces of real estate that were inherited and have back property taxes due.
Richmond, Texas residents filed a Chapter 13 bankruptcy after being sued by a credit card. The bankruptcy plan allows them to catch up on a vehicle note they fells behind on as well as a structured method to pay off over $60,000 in unsecured debt.
Houston, Texas married couple filed Chapter 13 bankruptcy to stop foreclosure of their home. The clients had struggled trying to request a mortgage modification from their mortgage lender but were not successful. The clients were also able to force a 5 year repayment plan on the IRS through their bankruptcy plan. The clients were able to keep their home worth over $350,000 as well as a rent home worth over $64,000.
Houston, Texas resident filed Chapter 13 bankruptcy to repay back child support and IRS debt through their bankruptcy plan. The bankruptcy plan also proposes to discharge approximately $16,000 worth of unsecured debt.
Houston, Texas resident chose to file Chapter 13 bankruptcy after being sued by both a debt collector and a bank for an unpaid creditor card. The Debtor has proposed to pay his unsecured debts back in full (with no further interest or late fees) through his bankruptcy plan.
Houston, Texas resident filed Chapter 13 bankruptcy after falling behind on her mortgage and having her wages garnished due to unpaid student loans. The bankruptcy plan proposes to get her caught up on her mortgage as well as to discharge over $7,000 in arrears owed to the Homeowner’s Association. The bankruptcy plan also proposes to discharge over $18,000 owed on an automobile repossession and $43,000 owed to the IRS.
Houston, Texas resident filed Chapter 13 bankruptcy after a business failed and after being sued by her credit union for an unpaid debt. The bankruptcy plan proposes to get her caught up on her mortgage and allows her to surrender an automobile she could no longer afford payments on. The plan proposes to pay back a percentage of her unsecured debt and to discharge over $115,000 of unsecured debt.
Missouri City, Texas resident filed Chapter 13 bankruptcy after falling behind on his mortgage payments and unsuccessfully trying to request a mortgage modification from the mortgage lender. The proposed plan will pay a percentage back to unsecured creditors and will result in over $60,000 in unsecured debt (a large portion of which is IRS debt).
Cypress, Texas married couple filed Chapter 13 bankruptcy to surrender their out-of-state former homestead as well as to protect and pay for a motor vehicle they were behind on and to pay off IRS debt. The confirmed Plan will also discharge over $90,000 in unsecured debt.
Tomball, Texas married individual filed Chapter 13 to save the family home from foreclosure. The client fell behind on payments after the non-filing spouse went through an unexpected large reduction in income. The confirmed Chapter 13 bankruptcy plan will get the client caught up on her mortgage as well as pay off both family vehicles and the past-due amounts owed to the Homeowner’s Association. As a side benefit about $8,000 worth of unsecured debt will be discharged.
Spring, Texas married person fell behind on the mortgage after unexpected job loss and unanticipated medical expenses. Client filed a Chapter 13 bankruptcy to catch up on the mortgage and to pay off a large IRS debt. The confirmed Chapter 13 bankruptcy plan also proposes to pay back the client’s unsecured credit cards due to a non-exempt rental property.
Humble, Texas resident fell behind on debt payments after an unexpected reduction in income. The client filed a Chapter 13 bankruptcy that proposes to pay back over $19,000 to the IRS. The confirmed plan proposes to pay approximately $36,000 back to a total of $102,000 of unsecured debt (or about 35% of what is owed) and the rest will be discharged upon completion of the Chapter 13 bankruptcy.
Sugar Land, Texas married couple filed Chapter 13 bankruptcy to catch up on their mortgage after experiencing a reduction in income. The confirmed Chapter 13 bankruptcy plan will allow them to surrender a vehicle they decided they could no longer afford and to pay back their credit cards with no further interest over the life of the plan.
Houston, Texas individual fell behind on property taxes after inheriting the family’s home. The home was saved from foreclosure by the filing of a Chapter 13 bankruptcy. The Chapter 13 bankruptcy plan confirmed with the court allows for paying back the property taxes and a small amount of unsecured debt. The Client’s non-filing spouse will be allowed to keep inherited property under the Chapter 13 Bankruptcy Plan.
Spring, Texas married couple fell behind on their mortgage and were sued for a line of credit with a local credit union. Confirmed Chapter 13 bankruptcy plan will allow them to catch up on their mortgage and to pay off their unsecured debt over time.
Houston, Texas married couple filed Chapter 13 bankruptcy to save their home from foreclosure due to being behind on property taxes. Per the confirmed Chapter 13 bankruptcy plan, they will pay back about 60% of their unsecured debt in order to keep two rental properties as well as catching up on the property taxes for their home.
Lawsuit Results
TD Bank USA, N.A. vs. My Client, in the County Court at Law No. 3. Of Galveston County, Texas
Creditor’s Lawyers: Rausch, Sturm, Israel, Enerson & Hornick, LLC
Case Result: Settled Prior to Trial
Creditor’s Lawyers: Rausch, Sturm, Israel, Enerson & Hornick, LLC
Case Result: Settled Prior to Trial
Portfolio Recovery Associates, LLC vs. My Client, in the District Court, 400th Judicial District of Montgomery County, Texas
Creditor’s Lawyers: Rausch, Sturm, Israel, Enerson & Hornick, LLC
Case Results: Non-Suited Prior To Trial, Client Paid Nothing
Creditor’s Lawyers: Rausch, Sturm, Israel, Enerson & Hornick, LLC
Case Results: Non-Suited Prior To Trial, Client Paid Nothing
Deutsche Bank National Trust Company vs. My Client, in the District Court, 125th Judicial District of Harris County, Texas
Creditor’s Lawyers: Mackie Wolf Zientz & Mann, P.C.
Case Results: Settled Prior to Trial
Creditor’s Lawyers: Mackie Wolf Zientz & Mann, P.C.
Case Results: Settled Prior to Trial
Discover Bank vs. My Client, in the County Court at Law No. 4 of Harris County, Texas
Creditor’s Lawyers: Zwicker & Associates, P.C.
Case Results: Settled Prior to Trial
Creditor’s Lawyers: Zwicker & Associates, P.C.
Case Results: Settled Prior to Trial
American Express Bank, FSB vs. My Client, in the County Court at Law No. 2 of Harris County, Texas
Creditor’s Lawyers: DeGrasse & Rolnick
Case Results: Settled Prior to Trial
Creditor’s Lawyers: DeGrasse & Rolnick
Case Results: Settled Prior to Trial
American Express Bank, FSB vs. My Client, in the County Court at Law No. 1 of Harris County, Texas
Creditor’s Lawyers: Zwicker & Associates, P.C.
Case Results: Non-Suited For Other Reasons
Creditor’s Lawyers: Zwicker & Associates, P.C.
Case Results: Non-Suited For Other Reasons
American Express Bank FSB vs. My Client, in the Harris County Court at Law Number 2
Creditor’s Lawyers: Zwicker & Associates, PC
Case Result: Settled Prior To Trial
Creditor’s Lawyers: Zwicker & Associates, PC
Case Result: Settled Prior To Trial
American Express Centurion Bank, in the Galveston County Court at Law Number 4
Creditor’s Lawyers: Zwicker & Associates, PC
Case Result: Settled Prior To Trial
Creditor’s Lawyers: Zwicker & Associates, PC
Case Result: Settled Prior To Trial
Bank of America, N.A. vs. My Client, in the Harris County Justice of the Peace Court Precinct 1, Place 1
Creditor’s Lawyers: Scott, Parnell & Associates, P.C.
Case Result: Settled Prior To Trial
Conn Appliances Inc. D/B/A Conn’s vs. My Client, in the Harris County Justice of the Peace Court Precinct 1, Place 1
Creditor’s Lawyers: Conn Appliances Inc. D/B/A Conn’s
Case Result: Settled Prior To Trial
Creditor’s Lawyers: Conn Appliances Inc. D/B/A Conn’s
Case Result: Settled Prior To Trial
Admiral Investments, LLC vs. My Client, in the Fort Bend County Justice of the Peace Court Precinct 1, Place 2
Creditor’s Lawyers: Belekian Hayes PLLC
Case Result: Non-Suited Prior to Trial, Client Paid Nothing
Creditor’s Lawyers: Belekian Hayes PLLC
Case Result: Non-Suited Prior to Trial, Client Paid Nothing
Midland Funding, LLC vs. My Client, in the Harris County Justice of the Peace Court Precinct 1, Place 2
Creditor’s Lawyers: Midland Funding, LLC
Case Result: Settled Prior To Trial
Creditor’s Lawyers: Midland Funding, LLC
Case Result: Settled Prior To Trial
Portfolio Recovery Associates, LLC vs. My Client, in the Fort Bend County Justice of the Peace Court Precinct 3
Creditor’s Lawyers: Portfolio Recovery Associates, LLC
Case Result: Settled Prior To Trial
Conn Appliances Inc. D/B/A Conn’s vs. My Client, in the Harris County Justice of the Peace Court Precinct 1, Place 1
Creditor’s Lawyers: Conn Appliances Inc. D/B/A Conn’s
Case Result: Settled Prior To Trial
Cach, LLC vs. My Client, in the Harris County Court at Law Number 1
Creditor’s Lawyers: Brown Law Firm, PLLC
Case Result: Settled Prior To Trial
American Express Centurion Bank vs. My Client, in the Fort Bend County Court at Law Number 4
Creditor’s Lawyers: Zwicker & Associates, PC
Case Result: Settled Prior To Trial
Access Group, Inc. vs. My Client, in the Galveston County District Court, 122nd District
Creditor’s Lawyers: Barnett & Garcia
Case Result: Settled Prior To Trial
Creditor’s Lawyers: Barnett & Garcia
Case Result: Settled Prior To Trial
Jefferson Capital Systems, LLC vs. My Client in the Harris County Justice of the Peace Court
Precinct 1, Place 1
Creditor’s Lawyers: Scott & Associates, P.C.
Case Result: Non-Suited Prior to Trial, Client Paid Nothing
Portfolio Recovery Associates, LLC vs. My Client in the Harris County Justice of the Peace District Court, 122nd District
Court Precinct 2, Place 1
Creditor’s Lawyers: Rausch, Sturm, Israel, Enerson & Hornick, LLC
Case Result: Settled Prior to Trial
Court Precinct 2, Place 1
Creditor’s Lawyers: Rausch, Sturm, Israel, Enerson & Hornick, LLC
Case Result: Settled Prior to Trial
DISCLAIMER: Each legal case is different and the results are dependent on each client’s specific facts. Past case results of Dove Law Firm, PLLC should not create an expectation of similar results for other current or potential clients
Practice Areas
Ryan Dove
See Attorney Bio Attorney 
Dove Law Firm, PLLC is a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code as well as resolve other debt issues. 
