The Allmand Law Firm, PLLC Difference

Unlike most bankruptcy firms in the Dallas / Fort-Worth area, Allmand Law Firm, PLLC spends the time to understand the complete financial picture for every one of our clients. We provide resources, tools and advice to address the unique needs of North Texans.

  • How Can I Rebuild My Credit After Bankruptcy?

    Posted By Allmand Law Firm, PLLC || 23-Sep-2015

    Many people believe that bankruptcy permanently destroys your credit, but this couldn’t be further from the truth. In fact, bankruptcy may even save your credit in cases where an old debt kept your score down. Now that you have gotten a fresh financial start, there are a number of steps you can take to begin rebuilding your credit. How Does Bankruptcy Affect my Credit Score? The purpose of ...
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  • Can Student Loan Debt Affect Our Nation's Future Economic Growth?

    Posted By Allmand Law Firm, PLC || 9-Sep-2015

    Students across the U.S. have accumulated so much student debt since the 2008 recession that it now poses a threat to our nation’s economic growth. Americans laboring under the assumption that they could pay back their loans after college are now finding that they have to put off important life decisions like getting married, starting a family, or buying property because of student loan debt ...
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  • What You Need to Know About Filing for Bankruptcy More Than Once

    Posted By Allmand Law Firm, PLLC || 19-Aug-2015

    Financial troubles can happen to anyone. Even the most financially responsible people can experience hardships that lead them into overwhelming debt, including the loss of a job, a long-term illness, or any other unforeseen personal crisis. Debt troubles can happen at any time and may happen more than once, and thankfully, bankruptcy can be an option to get the relief you need. How often you can ...
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  • What to Expect During a Meeting of Creditors

    Posted By Allmand Law Firm, PLLC || 3-Aug-2015

    When you file for bankruptcy, you will have to attend a hearing conducted by your bankruptcy trustee called a “meeting of creditors” or a 341 hearing. The purpose of this meeting is to allow the bankruptcy trustee an opportunity to ask you questions about the information you have provided in your bankruptcy petition, schedules, and other documentation. You will have to answer these ...
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  • How does The Automatic Stay Help Those Filing for Bankruptcy?

    Posted By Allmand Law Firm, PLLC || 28-Jul-2015

    Filing for bankruptcy can be an intimidating decision. But, did you know that there are various tools that are used to protect you during the process? In fact, one of the most beneficial tools for those filing bankruptcy is the automatic stay. This is a United States bankruptcy code law that does not allow creditors or debt collection agencies to take action or file lawsuits against debtors. This ...
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  • Four Bankruptcy Myths Busted

    Posted By Allmand Law Firm, PLLC || 15-Jul-2015

    Every year, over one million people file for bankruptcy. While some people might assume that filing means that a person can’t control their spending habits (in some cases this may be true, but certainly not all), there are plenty of other good reasons why a person might choose bankruptcy. Below, we have identified and busted the top four myths about bankruptcy. Bankruptcy will eliminate all ...
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  • What is the Bankruptcy Means Test?

    Posted By Allmand Law Firm, PLLC || 7-Jul-2015

    In 2005, lawmakers passed the Bankruptcy Abuse Prevention & Consumer Protection Act (BAPCPA) and made several significant changes to U.S. bankruptcy laws. BAPCPA affected both consumer and business bankruptcies by creating a new test to determine who is capable of paying back what they owe, and what bankruptcy chapter they are eligible to file under. Today, any person who chooses to file for ...
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  • Understanding the Purpose of Bankruptcy

    Posted By Allmand Law Firm, PLLC || 24-Jun-2015

    If you are considering bankruptcy as a way to get your finances under control, you are not alone. By understanding that you need to find a solution to your problems with debt, you’ve already won half the battle. Bankruptcy was intended to help those in your position, and our attorneys at Allmand law are here to help you along the path to your financial fresh start. While every case is unique ...
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  • Reasons to File Bankruptcy at the Beginning of the New Year

    Posted By admin || 16-Jan-2015

    If you ask any bankruptcy lawyer what they feel the best time is for filing bankruptcy, you'll likely hear a resounding, "Now!" In truth, waiting around to file bankruptcy increases your risk for wage garnishments, lawsuits, auto repossession, and even foreclosure of your home. The New Year is here now, and there are many reasons why you should consider January as a good starting ...
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  • How to Get Rid of Credit Card Debt Through Bankruptcy

    Posted By admin || 20-Nov-2014

    Excessive debt is one of the major reasons why people file for bankruptcy. In many cases, the excessive debt is the result of paying for necessities such as medical bills and vehicle repairs. While there are some exceptions, most credit card debt can be wiped clean with Chapter 13 and Chapter 7 bankruptcy. Chapter 7 Bankruptcy and Credit Card Debt When you file for Chapter 7, most of your debt can ...
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  • Can I Sell Some of My Assets Before Filing Bankruptcy?

    Posted By admin || 13-Oct-2014

    The idea behind bankruptcy is to assist a person in resolving debt and learning better financial management. Being able to start again is not just about leaving the past behind, it also requires a person to protect their remaining assets. The benefits of this can be maximized by NOT borrowing, selling or depleting these assets before the bankruptcy is filed. Bankruptcy attorneys often meet clients ...
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  • Can You File Bankruptcy While In The Military?

    Posted By Allmand Law || 30-Sep-2014

    While serving in the military, individuals have the same rights as regular civilians to file bankruptcy protection in order to save their valuable assets. However, individuals should keep in mind that certain high-ranking positions require security clearances that may not be available to people who have filed for bankruptcy. Nevertheless, there are no legal restrictions that prevent military ...
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  • Personal Bankruptcy and Business Ownership: What You Need to Know

    Posted By admin || 19-Aug-2014

    If you file personal bankruptcy, it can take a significant toll on any business ownership in your name, depending on how the business was legally organized and the type of bankruptcy petition filed with the court. Under United States bankruptcy code, there are two types of filings for individuals; they are indicated by "Chapter" numbers, and personal bankruptcies are either Chapter 7 or Chapter ...
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  • I Just Received a Motion for Relief from Stay: What Do I Do?

    Posted By admin || 13-Aug-2014

    A consumer facing a insurmountable financial burden many times pursue either a Chapter 7 or a Chapter 13 bankruptcy. A Chapter 7 bankruptcy provides a consumer relief in the form of what is known as a discharge from a good portion of his or her debts. On the other hand, relief in a Chapter 13 proceeding involves the development of a payment plan. Through a Chapter 13 plan, a consumer pays off his ...
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  • Ace Cash Express Stacked the Deck against Consumers, CFPB Collects the $10 Million Dollar Pot

    Posted By admin || 16-Jul-2014

    The Consumer Protection Bureau (CFPB) slapped Ace cash express with a $5 million dollar fine and ordered $5 million in restitution and refunds to borrowers. The CFPB found that "Ace used false threats, intimidation, and harassing phone calls to bully pay day borrowers into a cycle of debt," said CFPB Director Richard Cordray. Ace Cash Express is a pay day loan lender that operates in 36 states and ...
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