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Law Office of Gordon Mosley
A Bankruptcy & Consumer law Firm
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July 2015 Archives

What is the Fair Debt Collection Practices Act?


It is important for debtors and creditors to understand that there is a law called the Fair Debt Collection Practices Act, which governs debt collection practices. Under the FDCPA, there are some ground rules that debt collectors must follow. The act forbids debt collection companies from using unfair or deceptive practices to collect debts from debtors.

Planning is essential for a smooth Chapter 7 bankruptcy filing

When someone is suffering with overwhelming debt, one of the best ways to obtain debt relief is by filing for bankruptcy. In many cases, a debtor may be able to prevent liquidation of all personal assets in order repay creditors, but in some situations creditors may demand that a debtor liquidate all assets in order to repay debt. Such cases are handled according to the guidelines of Chapter 7 of the United States Bankruptcy Code and such types of bankruptcy filings are known as Chapter 7 bankruptcy filing.

Falling oil prices sending many Texas hotels into bankruptcy


Many Texas residents may be aware that global oil prices have been falling the last couple of years. This may be great news for consumers across the country when it comes to lower gas and diesel prices, but many businesses in Texas are being hurt by these lower prices, including oil and gas exploration and extraction outfits to the hotels that accommodate out-of-town workers employed by these companies and affiliated businesses in large parts of the state.

Is Chapter 13 bankruptcy the best option for you?


Many Texas residents may be aware that most individual bankruptcies are either filed under Chapter 7 or Chapter 13 of the United States Bankruptcy Code. However, the eligibility criteria for those two types of bankruptcies are slightly different from each other. For example, Chapter 13 is a good option for those people whose debts are comparatively small and have a steady source of income.

How debtors deal with aggressive debt collection efforts


Texas debtors often default on their repayment plans due to financial duress. Collection agencies have the legal right to initiate collection cases in order to be paid monies owed. Debtors who are overwhelmed by their indebtedness may have the legal right to declare bankruptcy.

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Law Office of Gordon Mosley

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Phone: 903-266-1843
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