In Corpus Christi, Texas, the fight to keep your home has never been more real. Texas itself saw one foreclosure for every 3,961 housing units in June 2025, ranking 12th highest in the nation. If you’re facing foreclosure in Corpus Christi, the clock is ticking fast. But you aren’t without options. Whether it’s negotiating better terms, […]
Protecting Your Home from Foreclosure with Legal Help in Corpus Christi Read More »
When financial struggles hit, medical debt and credit card balances often rise side-by-side. But in Texas, these two types of debt are not always treated the same way in court. Understanding the legal differences can help you choose the best strategy to protect your assets and find relief before the situation escalates.
How Texas Courts View Medical Debt Compared to Credit Cards Read More »
For individuals and businesses in financial distress, bankruptcy in Texas can offer a fresh start. But one of the most common questions people ask is, “How much debt do I need before I can file?” The answer isn’t as simple as a single dollar figure—bankruptcy eligibility depends on the type of bankruptcy, your income, and your
How Much Debt Qualifies You for Bankruptcy in Texas? Read More »
Facing the threat of losing your vehicle or other property can be stressful and overwhelming. In Texas, repossession laws allow creditors to reclaim collateral once you fall behind on payments, but acting before that happens can make a major difference. Hiring a repossession attorney in Texas early can help you protect your rights, explore legal defenses, and potentially
The Benefits of Hiring a Repossession Attorney in Texas Early Read More »
Missing a payment can quickly escalate from a minor oversight to a source of significant stress for residents in Corpus Christi. For many, the first harassing call or repeated letters from debt collectors spark anxiety, sleepless nights, and uncertainty about how to protect their finances. Ignoring these calls may seem like an easy solution. Still,
Chapter 7 vs Chapter 13: Which Bankruptcy Option Fits Texas Residents Best? Read More »
Is waiting to file for bankruptcy costing you more than you think? If you’re considering bankruptcy in Corpus Christi, the Law Office of Joel Gonzalez is here to help. As a dedicated bankruptcy attorney handling Chapter 7 and Chapter 13 cases, Joel Gonzalez focuses exclusively on helping individuals and families file for bankruptcy relief in Texas—quickly, correctly, and with as little
What happens if that envelope from a debt collector sits unopened on the kitchen counter for weeks—or months? It’s a situation more common than many realize. In fact, according to the Consumer Financial Protection Bureau, about one in three consumers in the United States has a debt in collections. That number includes everything from past-due credit cards
The Real Cost of Ignoring Debt Collection Notices in Corpus Christi Read More »
What happens when a past-due credit card balance doesn’t just stay on a monthly statement but instead arrives in the form of a court summons? In Texas, that scenario is becoming more common. For many consumers, credit card lawsuits come as a shock, especially if the debt has been sold to a company they’ve never heard
How Texas Courts Handle Credit Card Lawsuits Against Consumers Read More »
Are the courts finally pushing back against aggressive debt collectors? That’s the question on the minds of many Texans as lawsuits over unpaid debts—from credit cards to car loans—continue to flood court dockets. If you’re one of the many Texans being sued over old credit cards, auto loans, or even hospital bills, there’s good reason to
In Texas, thousands of families fall behind on mortgage payments each year, and foreclosure is often just around the corner. For many, losing a home doesn’t just mean relocating—it means financial ruin and emotional stress. But there is a legal tool that can help stop foreclosure in its tracks: Chapter 13 bankruptcy. When time is
How Chapter 13 Bankruptcy Can Help Texans Keep Their Homes Read More »
