Have you ever wondered what happens to your home, car, or personal belongings when you file for bankruptcy? You’re not alone. In 2024, more than 500,000 Americans filed for bankruptcy, and one of the first questions many had was: “Will I lose everything I own?”
Understanding Federal vs. State Bankruptcy Exemptions in Texas Read More »
Is your home at risk because of missed mortgage payments? In Texas, many families get blindsided by aggressive legal actions from lenders. These lawsuits can escalate quickly, leaving little time to respond before a court orders the sale of a home. For residents in Corpus Christi and other Texas communities, understanding how to protect a home
How to Defend Against a Foreclosure Lawsuit in Texas Read More »
How can someone struggling with debt in Texas regain control without making things worse? It’s a question more Texans are asking each day. Combined with rising living costs, stagnant wages, and medical expenses, it’s no surprise that thousands across the state are seeking real solutions.
Effective Strategies for Debt Settlement and Relief in Texas Read More »
If so, you’re not alone. For many, calls and messages from debtors aren’t just a nuisance — they can feel like nonstop pressure, anxiety, and even harassment. When bills pile up and accounts fall behind, collection agencies often act aggressively. Repeated phone calls, threatening letters, and misleading tactics can leave anyone feeling cornered. But here’s
Your Guide to Stopping Debt Collectors Through Legal Action Read More »
Facing a credit card lawsuit can be terrifying. In Texas, creditors often take legal action when debts go unpaid for too long. In fact, debt collection lawsuits in Corpus Christi are among the most common types of civil cases filed across the country. Ignoring a lawsuit won’t make it disappear. Instead, it can lead to serious financial consequences, including
Credit Card Lawsuits in Texas: What to Do If a Creditor Takes You to Court Read More »
Is that call really legal? If you’ve ever been hounded by a debt collector, chances are you’ve wondered whether they’re allowed to do the things they do—like calling at odd hours, threatening legal action, or harassing you at work. You’re not alone. That kind of pressure can feel relentless—but it’s also often illegal. At the Law
What Debt Collectors Don’t Want You to Know: Your Rights Under Texas and Federal Law Read More »
What happens when falling behind on mortgage payments threatens the roof over your head? It’s a stressful question more Texans are asking every day. But here’s something most don’t realize: bankruptcy—when used the right way—can be a powerful tool to help protect your home, thanks to strong homestead protections in Texas.
Can Bankruptcy Help You Keep Your Home? Understanding Texas Homestead Protections Read More »
What’s the true cost of losing a home? While foreclosure might seem like a way out of an impossible financial situation, the damage doesn’t end when the house is gone. If you’re facing a foreclosure lawsuit, you may feel backed into a corner. But there are ways to regain control. At the Law Office of
The Hidden Costs of Foreclosure: How Losing Your Home Affects Your Financial Future Read More »
Have you been served papers about a debt you thought had gone quiet? You’re not alone. Every year, thousands of Texans face lawsuits over unpaid credit cards, personal loans, or bills from a medical debt collection agency. When the legal notice comes, it’s easy to freeze or panic—but ignoring it is the worst thing you can
What to Do If You’re Sued for Debt in Texas: A Step-by-Step Guide Read More »
Can the money you rely on in retirement be taken to pay off old debts? For many seniors living on fixed incomes, this is a scary thought. But what happens when creditors come calling? In retirement, our income sources change, but debt collectors don’t always slow down. That’s where the Law Office of Joel Gonzalez can step
Can Creditors Take Your Social Security? What Retirees in Texas Need to Know Read More »
