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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.

Blog Posts in December, 2013

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  • Bankruptcy May Help You Keep More Than You Think

    Posted By Allmand Law Firm, PLLC || 31-Dec-2013

    A recent report released by the National Consumer Law Center (NCLC) shows evidence that debt collectors may be forcing more families into poverty. The report claims that many states across the country may not offer as much protection to consumers from debt collectors that allow them to sustain necessary living needs when it comes to satisfying a judgment with seizing assets. On a grade scale of A ...
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  • When You Have Doubts about Debt Obligations before Bankruptcy

    Posted By Allmand Law Firm, PLLC || 27-Dec-2013

    Whether you plan to file bankruptcy in the near future or it is something you are considering, one aspect to help you understand your financial situation includes reviewing outstanding debts owed. Many consumers have a good idea of which creditors they owe, but sometimes things can become questionable when a debt collector contacts you out of nowhere and claims you owe them money. You don't ...
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  • Filing for Bankruptcy When You Can't Afford an Attorney

    Posted By Allmand Law Firm, PLLC || 23-Dec-2013

    Many debtors feel bankruptcy is their final option in helping them regain financial control. While there are filing fees and credit counseling fees that are required, many wonder how they can pay if they can't afford to pay their creditors. You may even have the notion of saying why bother paying for an attorney when that money can be put toward my bills? There are a few valid points to review ...
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  • Can You Make a Vehicle Purchase in Chapter 13 Bankruptcy?

    Posted By Allmand Law Firm, PLLC || 20-Dec-2013

    Chapter 13 bankruptcy is a repayment plan that restructures debt obligations to help you make affordable payments each month. The plan is designed to help you get out of debt or help you catch up on debts you may have fallen behind on. Making a purchase in Chapter 13 such as a vehicle may be something you can complete, depending on your circumstances. A vehicle is an important necessity for many ...
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  • Knowing When to File for Bankruptcy: Questions to Ask Yourself

    Posted By Allmand Law Firm, PLLC || 18-Dec-2013

    Sometimes debtors just need to face the facts when it comes to throwing in the towel on their finances. You may have been trying to make payments or find ways to make your money stretch in an effort to avoid filing because of silly misconceptions about why you should avoid it. It is possible you could be in further financial danger than you thought, especially if you've just recently began ...
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  • Do You Really Need to Report Discharged Debt in Bankruptcy on Your Taxes?

    Posted By Allmand Law Firm, PLLC || 16-Dec-2013

    Reporting Discharged Debt in Bankruptcy on Your Taxes Some people may wonder if they need to report the amount of debt they got discharged in bankruptcy when they file their taxes. For the most part, this may not be anything to worry about although it is something you can review with your bankruptcy attorney or tax consultant for clarity purposes. There are several reasons why you may not need to ...
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  • One Common Concern that Keeps Consumers from Filing Bankruptcy

    Posted By Allmand Law Firm, PLLC || 13-Dec-2013

    Is filing for bankruptcy really as damaging as you think it is? For a while, people have been avoiding bankruptcy because of the supposed negativity that happens afterwards. Things really have changed and as more consumers get educated about bankruptcy and how it can help you, you may see this option in a new light. It is true your credit score may be affected but many who have filed say it has ...
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  • Can Online Payday Loans Be Discharged in Bankruptcy?

    Posted By Allmand Law Firm, PLLC || 10-Dec-2013

    Online Payday Loans and Bankruptcy Consumers who find themselves in a bind may consider getting a payday loan or cash advance against their next paycheck. There are local locations in which you may apply for a payday loan in person and get the cash you need right away to take care of important expenses. Then you have online lenders that simplify the process and help you get funds sooner without ...
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  • Can Chapter 13 Bankruptcy Help Me with Business Debt?

    Posted By Allmand Law Firm, PLLC || 5-Dec-2013

    If you own a small business and need help reorganizing your debts, Chapter 13 bankruptcy may be an option to consider. This chapter can help you develop a repayment structure based on income earnings, type of debts and expenses you have. There are a few factors to consider in helping you understand how the process works and meeting qualifications. Small businesses considered a sole proprietorship ...
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  • Credit Card Debt and Bankruptcy: When You May Want to Wait to File

    Posted By Allmand Law Firm, PLLC || 4-Dec-2013

    Credit card debt is one of the most common forms unsecured debts to be discharged in bankruptcy. If you used your card recently for large purchases it is possible they may be reviewed to make sure they can be successfully discharged. This is due to certain charges that may not be eligible for elimination, and in this case you may want to wait to file your case. Credit card companies can dispute ...
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  • Should I File Bankruptcy If I Just Lost My Job?

    Posted By Allmand Law Firm, PLLC || 3-Dec-2013

    Anyone who has lost their job or experienced a significant change in their income earnings may wonder if bankruptcy is an option to consider, especially if they feel they will be unable to make payments on their obligations. While you may feel you should begin the process right way, you may want to analyze your situation further to make sure it is the best solution for your situation. In some ...
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  • How Does Bankruptcy Stop Debt Collectors?

    Posted By Allmand Law Firm, PLLC || 2-Dec-2013

    Debtors looking for relief from constant phone calls and mailings from bill collectors may wonder about how bankruptcy protection works. You may see and hear advertisements on the television and radio about using bankruptcy to stop bill collection activity, but many may not understand how the process works or even realize they may qualify to obtain such protection. When you file bankruptcy an ...
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