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AV Preeminent Peer Rated Attorneys
Fate Residents, consider several factors when selecting a lawyer ... Learn More
AV Preeminent Peer Rated Attorneys
Fate 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).
  • 5201 West Park Boulevard, Suite 100, Plano, TX 75093

  • 4975 Preston Park Blvd., Ste. 515, Plano, TX 75093-8311

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  • 517 W. Centerville Road, Garland, TX 75041-5445

  • 12770 Coit Road, Suite 541, Dallas, TX 75251

  • 17744 Preston Rd., Ste. 200, Dallas, TX 75252

  • 3600 Tree Shadow Trl., Plano, TX 75074-1601

  • 9441 LBJ Freeway, Ste. 106, Dallas, TX 75243

  • 4925 Greenville Ave., Ste. 715, Dallas, TX 75202-2755

  • 8144 Walnut Hills Lane, Ste. 1190, Dallas, TX 75231

  • 5068 W. Plano Pkwy., Ste. 300, Plano, TX 75093

  • 8226 Douglas Ave., Ste. 550, Dallas, TX 75225-5945

  • 105 W. Washington, Suite A, Rockwall, TX 75087

  • Dallas, TX 75355

  • 5910 N. Central Expressway, Ste. 925, Dallas, TX 75206

  • 13155 Noel Rd., Ste. 900, Dallas, TX 75240

  • 5400 LBJ Fwy., Ste. 1260, Dallas, TX 75240

  • 11300 N. Central Expressway, Ste. 301, Dallas, TX 75243

  • 5910 N. Central Expressway, Suite 1700, Dallas, TX 75206

  • 5900 S. Lake Forest Dr., McKinney, TX 75070

  • Plano, TX 75094-0901

  • 6220 Gaston Ave., Ste. 308, Dallas, TX 75214

  • 8140 Walnut Hill Ln., Ste. 301, Dallas, TX 75231

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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.

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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.

If I file chapter 7, will my husband be responsible for my debts. Or is divorce a better option?

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Answered by attorney Kathleen Delacy (Unclaimed Profile)
Bankruptcy lawyer at Reger Rizzo & Darnall, LLP
If your husband is a co-signor he will be responsible. If the debt is solely in your name he can not be held liable.
If your husband is a co-signor he will be responsible. If the debt is solely in your name he can not be held liable.

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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What happens with reposession after Chapter 13 bankruptcy?

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Answered by attorney Phong Thanh Tran (Unclaimed Profile)
Bankruptcy lawyer at Law Office of Pho Ethan Tran, PLLC
If you are unable to make your payments under a Chapter 13 repayment plan, the trustee may request the court to dismiss your case and your creditors will be allowed to continue collection efforts against you. It may be a better idea to convert your case to Chapter 7 before the case is dismissed.
If you are unable to make your payments under a Chapter 13 repayment plan, the trustee may request the court to dismiss your case and your creditors will be allowed to continue collection efforts against you. It may be a better idea to convert your case to Chapter 7 before the case is dismissed.
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