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Monday February 19th 2018

Houston Bankruptcy Attorney: Advice That Works

In Houston the menace of bankruptcy has never taken lightly by the authorities since this is often an epidemic that might hurt your credit reputation available in the market. If you end up also trapped inside the net of bankruptcy and constantly fighting for the credit battle inside the financial marketplace, a Houston bankruptcy attorney is also an amazing help.

A good Houston bankruptcy attorney has enough knowledge in regards to the regulations and terms of the bankruptcy scenario. Even he has not enough powers to reverse your current financial condition or keep all of your creditors at the safe position, he or she will certainly allow you to retain some of your own properties retain and enough money to come again for your pocket at some point.

Recent recession has snatched millions of jobs and thrown corporate sector under deep financial crunch. As the times got harder, people from all segments of the life find them unable to hold the financial burden and consulted the Houston bankruptcy attorney to search out various ways for bankruptcy filing.

When you come back within the close contact with the Houston bankruptcy attorney, he suggests you to execute debt consolidation, credit counseling or debt settlement before filing the bankruptcy in an effort to explore the entire financial options. After you decide a bankruptcy filing, an attorney provide you with some sound advices that wish to follow so as to organize your finances against the bankruptcy.

Even there are number attorneys that supply their legal services to the clients; not each of the attorneys are the smart enough to give you the logical and qualified advice. If you’re in ultimate financial crunch and willing to get out of your financial debacle soon, you must hire a Houston bankruptcy attorney in the mean time once you need his or her full attention.

The bankruptcy proceedings are painful right from the beginning; therefore you need to consult a lawyer who is willing that will help you in the whole possible aspects of your bankruptcy proceedings. The payment rates of the attorneys differ from case to case. To get the outline in regards to the pay rates, ask your attorney concerning the rates he or she asks against the consultation or complete proceeding of the bankruptcy process.

When You Have to File ($2)

This book changed my whole perception about the concept of “Bankruptcy.” Honestly, before I read it I had a very unflattering opinion and negative bias against individuals and organizations that filed for bankruptcies. But after reading this book I realized I was wrong.

The author of When You Have to File for Bankruptcy does a wonderful job of explaining that bankruptcy is not a dirty word, and that the vast majority of the filings are actually precipitated by catastrophic health issues, job loss, divorce and unforeseen events. Generally speaking, it’s not individuals living recklessly beyond their means that account for the majority of filings, it’s actually individuals seeking a second chance on the other side of circumstances beyond their control.

Matt Pelc’s accessibly-written book was not only informative and interesting but it was also extremely current. For instance, he provides a chart regarding annual bankruptcy filings that includes data for 2007, while a completely different chart on unemployment numbers contains statistics from January 2008. Usually writers dig up dusty factoids and dated data to reinforce their points – but not Pelc.

In the book, Pelc does a superb job listing recent changes to federal bankruptcy laws and how those changes have translated into real-world applications since the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. While his discussion about foreclosures and liens reads like today’s newspaper, addressing the current mortgage crisis with stats and facts as recent as March 2008.

Beyond those specifics, Pelc masterfully explains the general types of bankruptcies (e.g. Chapter 7, 13, 11 and 12) as well as defining the critical “means test” that is necessary to determine whether or not you are even eligible to file. I really appreciated his overview of what to look for in an attorney to help you through the process, what questions to ask a lawyer and estimates on how much the entire legal process could cost.

But he doesn’t stop there.

Pelc goes further to even include a section about Debtor’s Anonymous (p. 222) to help individuals who do get a second chance through bankruptcy to take positive steps toward a debt-free future.

If you are even considering the remote possibility of filing for bankruptcy, do not take another step down that path without reading this book first. I believe that it can help any individual avoid potential frustration, pitfalls and problems that are inherent within the bankruptcy process, while making the best of a suboptimal financial situation.

Kiplinger’s Home and Business Attorney 2004 Win/Mac… ()

The software interviews you and produces documents that are completely useless.

It produced a lease agreement that had 4 lines. This is completely unbelievable. How can they sell this software? They need to pull this software from market until they produce something usable.

A Survival Guide to Debt: How to Overcome Tough Times & Restore Your F… ($2)

Reviewed by William Phenn for Reader Views (08/09)

Bankruptcy, foreclosure, it’s not the end of the world. Not if you listen to the author of “A Survival Guide to Debt.” Mitchell Allen takes you through the three parts of his 275 page book in a very direct and easy to understand manner. He writes with clarity and understanding so that you don’t have to be an Accountant or Lawyer to grasp what he is saying.

Even before you get to the first chapter, the introduction will hit home with many people. From the beginning in part I, “When the Wolf is at the Door,” Mitchell explains what to do when the creditors call. How to respond to payment demands, what to say and when to say it. He shows you a very precise example in his book on what to say in a “Cease-and-desist” letter. Mitchell even has a personal net worth survey to help you find your Assets and Liabilities. The first part continues with explanations on how to get professional help. When you can’t resolve the problem on your own or when the creditors are scaring you to death, Mitchell suggests places to go to get help. He concludes this chapter with a debtors legal rights, he informs you of what you can and cannot do and what your creditor can and cannot do. Here, you will find an explanation of credit scores and even a sample of a “Credit Dispute” letter.

Part II brings us into Bankruptcy. Well, not “Us” as such but you know what I mean. Mitchell presents a complete tutorial on what, when, and how to file bankruptcy. He devotes the whole of part II to this very important aspect of the debt dilemma. He even goes as far as to give you the website for the U.S. Bankruptcy Code, so that you may be a well educated individual if you opt to go this route.

Part III and the final third, of this three part book is the rebuilding process. The author shows you how to rebuild after the devastating bankruptcy. He gives tips and suggestions on “Personality, Attitude and Money” along with such things as how to rebuild your credit score, what to watch out for in the way of credit and credit cards. What to do and how to do it when it comes to applying for credit and a host of other very useful and informative tips. Mitchell concludes his highly informative text with pages of helpful websites; where you can go and find all the answers to most all the questions that you would want answers too.

Mitchell Allen’s survival guide is a well written, intelligently presented, reference book that needs to be in every ones library. I gave it my highest ranking of an A+ and it is well deserved. “A Survival Guide to Debt” is a must read for anyone that has credit, in debt or even as much as just thinking of getting a credit card. Read, “A Survival Guide to Debt” before you apply for one, you may not even want it!

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