Law Offices of David Enos
500 S. Taylor Suite 1005 Amarillo, Texas 79101
© 2016 Law Office of David Enos. All rights Reserved.
Federal Laws Can Help
Many homeowners in the Texas Panhandle live in dread of foreclosure — a nightmare that in today's economic environment is a real possibility. But you can avoid foreclosure and get debt relief through a Chapter 13 bankruptcy filing. If you are having trouble making your mortgage payment, you need to take action now to protect your home. Amarillo bankruptcy attorney David Enos is an experienced attorney and can use powerful Federal laws to stop foreclosures and force mortgage companies to accept payments over three years to bring your mortgage current. And the same law allows you to eliminate unsecured debts such as credit cards, medical bills and collection accounts; and usually without you paying them a dime.
Unlike a Forbearance Agreement marketed by mortgage company lawyers to trick you into letting your house get foreclosed, this Federal Law can be used to guarantee that your foreclosure will not take place - nothing else can do this.
We Are Committed to Stopping Foreclosure
Attorney David Enos can review your situation and discuss your options in a free consultation. These include a Chapter 13 bankruptcy which can enable you to keep your home and get relief from your unsecured debts. By eliminating debts such as credit card debt and medical bills, you can obtain additional cash flow that may enable you to cover your mortgage payment and other debts.
You Are not Alone
Bankruptcy does not have to be a frightening ordeal. The bankruptcy laws were enacted to help people like you — good, hard-working people who have gotten into financial difficulty. As a debtor, you have rights that David Enos is committed to protecting! If you are considering filing for bankruptcy, please contact the Law Offices of David Enos for a free consultation with an Amarillo bankruptcy lawyer today (806)372-7307.
Information on this website is based on general principles of law. They may not apply to your situation. Nothing in this article constitutes legal advice and no reliance should be placed on the legal principles set forth in this website. This is why you should personally consult with attorney David Enos about your case. See the Bankruptcy Disclosures.
THE TRUE COSTS OF PUTTING OFF YOUR BANKRUPTCY
Oftentimes, one of our clients’ biggest concerns is the cost of retaining a lawyer and the fees associated with filing. A thousand dollars to file, they reason, is not small potatoes. In fact, if they had that kind of money, they tell us, they wouldn’t need to file at all. READ MORE.
CAN I LOSE MY JOB IF I FILE A CHAPTER 7 OR CHAPTER 13 PERSONAL BANKRUPTCY?
If you’re asking yourself this question, the short answer is NO, but more on that in a moment…
STUDENT LOANS ARE NEARLY IMPOSSIBLE TO DISCHARGE IN A CHAPTER 7 BANKRUPTCY
Most bankruptcy FAQs will tell you that Student Loans are not dischargeable. While this is good advice – and very likely your loans are not dischargeable, this is not technically true. The Federal bankruptcy laws do allow for relief from Student Loans. Called the “undue hardship” standard, section 523(a)(8) is usually applied very narrowly by the courts, making it... READ MORE.
HIDING ASSETS FROM THE BANKRUPTCY TRUSTEE IS A BAD IDEA
You’re going to end up eating the value of your prized coin collection, so why would you want to eat it with a side order of Bankruptcy Fraud? It’s pretty important to be as truthful as possible when listing your assets in your bankruptcy schedules. The court – and your attorney - does not look kindly on attempts to conceal your assets to avoid having them liquidated.
CHAPTER 13 BANKRUPTCY AS A FORECLOSURE DEFENSE
Buying a home is no small thing. It takes a lot of work to save enough for a down payment and afford the payments for 10, 20 or even 30 years. Especially in uncertain financial times, it is not uncommon to find yourself in a position in which the expenses of the basic necessities of life take precedent and your home is suddenly the subject of a foreclosure proceeding.... READ MORE.