AV Preeminent Peer Rated Attorneys
Bruni Residents, consider several factors when selecting a lawyer including their experience, expertise, and reputation. AV Rated Attorneys represent a distinguished group of lawyers who have received top ratings from their peers for their exceptional ethical standards and an A grade (4.5 or higher).
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AV Preeminent Peer Rated Attorneys
Bruni Residents, consider several factors when selecting a lawyer ... Learn More
AV Preeminent Peer Rated Attorneys
Bruni Residents, consider several factors when selecting a lawyer including their experience, expertise, and reputation. AV Rated Attorneys represent a distinguished group of lawyers who have received top ratings from their peers for their exceptional ethical standards and an A grade (4.5 or higher).

Zaffirini & Castillo

3.9
2 Reviews

  • 1407 Washington Street, Laredo, TX 78042

  • Law Firm with 2 lawyers1 award

  • Serving the Laredo Area: Litigation, Oil & Gas, Real Estate, Divorce, Wills & Probate

  • Bankruptcy LawyersLitigation, Civil Litigation, and 18 more

  • Free Consultation

Guadalupe Castillo
Bankruptcy Lawyer
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Looking for Bankruptcy Lawyers in Bruni?

Bankruptcy lawyers help individuals and businesses find relief from overwhelming debt. They analyze your financial situation and guide you through processes like Chapter 7 liquidation or Chapter 13 reorganization. Their goal is to stop creditor harassment, protect your assets, and provide a legal path to a fresh financial start.

About our Bankruptcy Lawyers Ratings

The average lawyer rating is created by peers based on legal expertise, ethical standards, quality of service, and relationship skills. Recommendations are made by real clients.

CLIENT RECOMMENDED
51 %

44 Client Reviews

PEER REVIEWS
3.8

34 Peer Reviews

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Lawyer Resources

Commonly Asked Bankruptcy Questions From Users Near You

This information is not legal advice and is not guaranteed to be correct, complete or up-to-date. It is provided for general informational purposes only. If you need legal advice you should consult a licensed attorney in your area.

What can I do if the soverign bank collected on my discharged debt for those years?

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Answered by attorney Tony E. Carballo (Unclaimed Profile)
Bankruptcy lawyer at Carballo Law Offices
Hard to imagine how you managed to pay that much money if you did not want to continue paying and now you are concerned about it after so long. While the personal liability for the mortgage/deed of trust is discharged in bankruptcy, the debt is still collectable if the bank wants to sell the house in foreclosure and get whatever the sale proceeds are received because it is secured by a lien (a deed of trust or mortgage) and the lien is not affected by the bankruptcy. I would guess that the bank will now claim that you paid voluntarily which you are allowed to do after bankrutpcy. I doubt that you can get it back but your situation is so unusual that you need to consult with an attorney who can review the documents and get all the facts.
Hard to imagine how you managed to pay that much money if you did not want to continue paying and now you are concerned about it after so long. While the personal liability for the mortgage/deed of trust is discharged in bankruptcy, the debt is still collectable if the bank wants to sell the house in foreclosure and get whatever the sale proceeds are received because it is secured by a lien (a deed of trust or mortgage) and the lien is not affected by the bankruptcy. I would guess that the bank will now claim that you paid voluntarily which you are allowed to do after bankrutpcy. I doubt that you can get it back but your situation is so unusual that you need to consult with an attorney who can review the documents and get all the facts.
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Can I file for bankruptcy again?

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Answered by attorney Jackie Ferguson Graham (Unclaimed Profile)
Bankruptcy lawyer at Ferguson & Ferguson
Under BACPA ( the new bankruptcy act) you have to wait 8 years after filing a chapter 7 before filing a new chapter 7, 2 years after a discharged 13 to get a discharge in another 13 and 4 years after a 7 to get a discharge in a new 13.
Under BACPA ( the new bankruptcy act) you have to wait 8 years after filing a chapter 7 before filing a new chapter 7, 2 years after a discharged 13 to get a discharge in another 13 and 4 years after a 7 to get a discharge in a new 13.
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Can I file a second bankruptcy in 4 years?

Susan Green Taylor
Answered by attorney Susan Green Taylor (Unclaimed Profile)
Bankruptcy lawyer at Law Office of Susan G. Taylor
8 years from filing date to filing date; chapter 13 is the only bankruptcy available to you at this point.
8 years from filing date to filing date; chapter 13 is the only bankruptcy available to you at this point.