5th Jun 2015

Close up of Debt Consolidation Loan Application Form with pen, calculator

early every day we either see or hear an advertisement related to consumer debts. Lawyer advertising is regulated by the State Bar of Texas, so the following discussion has nothing to do with lawyer ads, as all the ones I’ve … more


The ‘Do’s’ 1. Stay in regular communication with the creditor or collector. 2. Take detailed notes of everything you do regarding trying to settle, especially notes of phone calls. 3. Mail everything via certified mail, return receipt requested, and keep … more


This is a very common question, with a very easy answer: it doesn’t. That’s not the end of the story as two other issues can pop up depending on when the bankruptcy is filed, whether you get a refund, and … more