ANGELA R. OWENS
ATTORNEY

This article is the second part of a two-part series. Be sure to check out the first part here before proceeding with the article below. In the previous article, we discussed why you shouldn’t rush or prolong your bankruptcy. However, there are also other things that you need to understand when you are filing for…

When filing for bankruptcy, finding an experienced and knowledgeable bankruptcy lawyer is the key to the success of your case.  A bankruptcy lawyer should be well-versed in the laws and regulations surrounding bankruptcy. They should have excellent communication skills to assist their clients in understanding the complicated bankruptcy process and navigating the legal system.  Here…

Understanding the comparison between Chapters 7 and 13 Bankruptcy is essential in filing for bankruptcy. Both Chapters offer different advantages and disadvantages depending on the individual’s financial situation. That is why it is highly recommended to review each of them to figure out the best course of action you may take. This article will discuss…

If you’re struggling with debt, chances are you’re looking for ways to manage it. One option is debt settlement, which offers the potential to reduce your debt. Attempting to settle debt can be challenging. Hiring a debt settlement attorney is a great way to ensure your rights are protected throughout the process and that you…

This is the first part of a two-part article on bankruptcy. Be sure to check out the second part after reading below. Filing for bankruptcy is a difficult decision that can be hard to make. It is a legal process that allows individuals, couples, and businesses to reorganize or eliminate their debts. The purpose of…

Bankruptcy is a legal process that allows individuals and businesses to obtain relief from their unmanageable debt. It is a way for debtors to reorganize their financial affairs and pay their creditors over a period of time. Bankruptcy is a serious decision and should not be taken lightly. As such it is important to understand…

An attorney specializing in debt settlement represents clients in disputes with lenders, creditors, and debt collectors. They help their clients negotiate settlements with creditors that are sometimes significantly lower than what they owe.  Debt settlement attorneys assist those battling unsecured debt, including credit card debt, personal loans for students, payday loans, medical expenses, and more.…

The Texas Debt Collection Practices Act (TDCPA) is an important piece of legislation that protects consumers in the state of Texas from aggressive debt collection practices.  The Act, passed in 1977, forbids debt collectors from using unfair, abusive, or deceptive practices when collecting a debt from a consumer. The Act also provides consumers the right…

Force-placed Insurance comes by many names. In some institutions, it is better known as lender-placed, creditor-placed, or collateral protection insurance. No matter what it is called, its purpose remains the same: to protect lenders from losses if borrowers fail to maintain adequate insurance coverage for their collateral. How Do You Get Force-Placed Insurance?  Your lender…

Suspense accounts are a type of temporary holding account used by businesses to track income and expenses that have not yet been allocated to a specific purpose. This can happen for various reasons, such as when invoices are received but not yet matched to a purchase order, or when expenses are incurred but not yet…