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

How filing for bankruptcy affects a credit score

A Texan who has accrued enough debt that filing for bankruptcy is a viable and necessary option need not be ashamed of what the person is going through. Bankruptcy is a useful tool to assist with debt relief when unexpected issues -- both personally and professionally -- arise. That, however, does not diminish how a bankruptcy proceeding can have certain negative influences to a person's life. One particular issue that frequently arises is the decline of a credit score.

Texas-based oil and gas company files for Chapter 11 bankruptcy

If a business in Texas chooses to consider filing for Chapter 11 bankruptcy, it does not necessarily follow the typical script of what is generally perceived a reason for the decision. In some instances, a business is faltering because of a lack of sales, mismanagement or other problems. With certain businesses, the market will dictate how successful or unsuccessful a business is. If it is a business that is highly dependent on factors out of the business owners' and managers' control, then it is possible that a business bankruptcy will be necessary for debt reorganization and to get into a better position for a possible future.

Recognizing creditor harassment in debt collector tactics

Simply because a person in Tyler is having financial issues and might be behind in payments does not mean that creditors are allowed to use underhanded and abusive tactics in the pursuit of collection on debts. The debtor must understand that the person is protected by certain rights to avoid such harassment. Under the Fair Debt Collection Practice's Act, it is not within the creditor's rights to conduct certain behaviors when trying to recover payment.

What is Chapter 12 bankruptcy and who is eligible?

There are certain bankruptcy chapters that are well-known to the layperson in Texas and across the country. There are other potential options that many eligible people might not realize can be used. One is Chapter 12 bankruptcy. This is a specific chapter that is available for family farmers or family fishermen who earn a regular annual income from those endeavors. This allows people who meet the criteria to be placed in these categories to use this bankruptcy chapter to deal with financial challenges, a struggling economy, unemployment and stop foreclosure on their home.

Vehicle to rolling kitchens converter files for Chapter 7

A person who starts a business in Texas must understand the risks and possibility that it might not succeed. When there is a failed business or the debts become too overwhelming to continue operating, a Chapter 7 bankruptcy is a viable option to move forward and not have the debts follow the person around for the rest of the person's life. Chapter 7 bankruptcy is known as a liquidation bankruptcy and this must be fully comprehended before pursuing it as an option.

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Law Office of Gordon Mosley

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Tyler, TX 75703

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