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Law Office of Gordon Mosley
A Bankruptcy & Consumer law Firm
20 Years Experience Helping People Gain A Fresh Start

July 2017 Archives

Chapter 7 Bankruptcy and the means test

If you are dealing with an overwhelming amount of debt, you might wish to know more about the available options for relief. While there may be numerous outlets for debt relief, the correct path on which to pursue a healthier financial future could depend on your current circumstances.

What is the Chapter 11 automatic stay?

Sometimes even the best of businesses in Texas can fall on hard times. Whether it is a downturn in the economy, an increase in competition or an unexpected loss of sales, a business may find itself floundering in a sea of debt. For some businesses, the best way out of this debt is through filing for Chapter 11 bankruptcy, also known as a reorganization bankruptcy. This can especially be useful, as filing for Chapter 11 bankruptcy can put an automatic stay on creditor actions.

What is the Chapter 13 'hardship discharge'?

Sometimes, when a person's debts become overwhelming, they may find that filing for bankruptcy is the best way for them to wrest control of their financial problems and move forward with a clean financial slate. While some people in Texas may choose Chapter 7 bankruptcy (liquidation bankruptcy), others may find that Chapter 13 bankruptcy is better for them.

Chapter 13 debtors may face unauthorized mortgage changes

When people in Tyler have a mortgage, they expect that the terms of the mortgage will remain the same. In fact, lenders are not permitted to change the terms of a mortgage in a way that lengthens the amount of time a mortgage must be paid or change the amount to be paid each month, if the borrower has not agreed to do so. However, one lender, Wells Fargo, did just that to borrowers who were in the bankruptcy process and is now facing a lawsuit.

What creditors can do to debtors facing debts

Millions of Americans throughout the country, including many from Tyler, Texas, and the surrounding area, finding themselves in debt and suffering from financial difficulties. Regardless of the reasoning, whether it was a lost job, a serious injury or illness, or simply poor decision-making or excessive spending, if you are suffering from financial turmoil and are being hounded by debt collectors, life can be stressful. It is important to recognize, however, that creditors, in an effort to get debtors to pay back what they owe, are still entitled to certain rights.

When your creditors cross the line

Are you in debt? Are you so behind on your payments that your creditors have passed your accounts on to collection agencies? If the answer to these questions is yes, you are not alone. This is something that numerous Texas residents are struggling with right now.

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Law Office of Gordon Mosley

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Tyler, TX 75703

Phone: 903-266-1843
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Gun Barrel City, TX 75156

Phone: 903-266-1843
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