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I Filed Bankruptcy and Now I Need a New Car...

Murphy's Law: you've filed bankruptcy and your car repairs exceed the car's value. You need a new car.

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Alternatives to Bankruptcy – Debt Settlement, Debt Consolidation and Credit Counseling Agencies

Are you concerned that you're going to have to file bankruptcy? Did you know you may have other alternatives to bankruptcy?

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Cares Act - Covid-19 Mortgage Payments & Rent

During the pandemic, it has been estimated, per the Department of Labor, that 3 million households have filed for unemployment. You should not have to worry about losing your home during this COVID-19 crisis.

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Cares Act and Covid-19 Modified Definition of "Disposable Income"

For those claims filed under Chapter 7 and Chapter 13 the CARES ACT has revised the definition of current monthly income to exclude payments made under Federal law relating to the national emergency declared by the President under the National Emergencies Act with respect to the coronavirus disease 2019 (COVID–19).

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Texas Bankruptcy Exemptions

You have a choice of exemptions when filing bankruptcy. You can file according to the federal exemptions or according to Texas.

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Introduction to Bankruptcy Terminology

It's always helpful to know what terms are involved when you are seeking legal help. Bankruptcy is its own area of law with its own court, much like how Immigration has its own court, so does the Probate realm and my other love Social Security and Disability law has its own court.

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Intellectual Disorders (ID)

Intellectual Disorders usually arise before the age of twenty-two and last for a lifetime. This disability interferes with normal speech and communication.

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Expedited Applications for Veterans with 100% Permanent and Total Disability

Veterans who have been evaluated by their primary care doctors at the Veteran's Administration (VA), and have been rated as 100% permanent and totally disabled may receive expedited processing of their application for disability benefits. Yes, the VA has its own disability payments, but it is unlike Social Security.

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Medical Evidence and Your Disability Evaluation

What are your symptoms? How severe are they? Are you in pain? Do you experience shortness of breath?

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Trial Work Period

If you are deemed disabled and receive benefits every month and would like to test your ability to work again, you may try a “trial work period.” This period of time will still maintain your disability, unless you work for a period of nine months. If you can work for nine months, even non-consecutive for a rolling 60 month period, Social Security will consider that your disability has ended, and that you can engage in substantial gainful activity.

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