AV Preeminent Peer Rated Attorneys
Three Rivers 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).
AV Preeminent Peer Rated Attorneys
Three Rivers Residents, consider several factors when selecting a lawyer ... Learn More
AV Preeminent Peer Rated Attorneys
Three Rivers 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).

Law Offices of Larry A. Vick

  • 1035 C Street, Floresville, TX 78114

Foster & Harvey, P.C.

  • 3586 Hwy. 181 N., Floresville, TX 78114

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Looking for Bankruptcy Lawyers in Three Rivers?

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
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PEER REVIEWS
4.5

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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.

Is it too early to refinance or do we have to wait for the 10 year period?

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Answered by attorney Thomas Anthony Vogele (Unclaimed Profile)
Bankruptcy lawyer at Thomas Vogele & Associates, APC
There is so much misinformation, most of it urban legend, about what a discharged debtor can and cannot do. There is nothing preventing you from borrowing, refinancing or doing anything else post-discharge. The impediment is the other side of the transaction. Banks often will not lend to those who have filed a Chapter 7 case, at least on terms that don't punish the former debtor for their "transgressions." Bankruptcy itself does not prevent you from refinancing for ten years. A bankruptcy stays on your credit for ten years and thus makes it harder to get a loan, refinance a loan or do anything else that involves checking your credit report. By the way, anyone who promises you to get your bankruptcy removed from your credit report in exchange for a fee is both a liar and a crook that should be avoided and reported to the authorities. Good luck and expect to pay a higher rate than what borrowers with good credit pay.
There is so much misinformation, most of it urban legend, about what a discharged debtor can and cannot do. There is nothing preventing you from borrowing, refinancing or doing anything else post-discharge. The impediment is the other side of the transaction. Banks often will not lend to those who have filed a Chapter 7 case, at least on terms that don't punish the former debtor for their "transgressions." Bankruptcy itself does not prevent you from refinancing for ten years. A bankruptcy stays on your credit for ten years and thus makes it harder to get a loan, refinance a loan or do anything else that involves checking your credit report. By the way, anyone who promises you to get your bankruptcy removed from your credit report in exchange for a fee is both a liar and a crook that should be avoided and reported to the authorities. Good luck and expect to pay a higher rate than what borrowers with good credit pay.
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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 Phong Thanh Tran (Unclaimed Profile)
Bankruptcy lawyer at Law Office of Pho Ethan Tran, PLLC
Unless your husband was a guarantor or a co-debtor on your debts, he will not be legally responsible for your debts if you file for bankruptcy.
Unless your husband was a guarantor or a co-debtor on your debts, he will not be legally responsible for your debts if you file for bankruptcy.

How many years does a bankrupcy stay on my credit report?

Diane L Drain
Answered by attorney Diane L Drain (Unclaimed Profile)
Bankruptcy lawyer at Law Office of D. L. Drain, P.A.
10 years, but most creditors will work with you on a new home loan within 4-5 years of filing your bankruptcy. That assumes you rebuilt your credit during that 4-5 years.
10 years, but most creditors will work with you on a new home loan within 4-5 years of filing your bankruptcy. That assumes you rebuilt your credit during that 4-5 years.
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