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 Most
provisions of the Bankruptcy Abuse Prevention and Consumer Protection
Act of 2005 are effective on October 17, 2005.
We are currently revising the Web site to be in compliance
with the Bankruptcy Code. However, please contact
us for your free consultation if you are experiencing problems with
any of the following:
- Credit card debt
- Debt management
- Debt collection harassment or lawsuit
- Real estate foreclosure, unpaid house payments and/or
taxes
- Bank foreclosure
- Auto repossession and unpaid car payments
- Medical bills
- Co-signer on property held by another
- Judgments, deficiency notices on repossessed property
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is
a liquidation process. Bankruptcy law (Federal or Texas law)
allows you to keep certain exempt property, which will not
be sold or distributed to creditors. Non-exempt property is
available to your creditors. The attorneys at The Law Office
of Delilah Hanberry, P.L.L.C., can assist you in determining
what is exempt and what is not and defend your position.
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is
a reorganization chapter under court supervision. Chapter
13 is appropriate for you if you want to avoid or stop repossession
of your car or foreclosure of your house because of missed
monthly payments or non-payment of property taxes. The attorneys
at The Law Office of Delilah Hanberry, P.L.L.C., can assist
you in obtaining the protection afforded by Chapter 13.
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