North Houston Bankruptcy & Debt Lawyer, Texas

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Vicky Fealy
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The Fealy Law Firm, P.C.
1235 North Loop West Suite 1005 Houston, TX 77008 » view map
Bankruptcy, Judgments, & Foreclosures
Houtson Bankruptcy Lawyers

Helping clients take control of their finances, for more that years. Board Certified in Consumer Bankruptcy by the Texas Board of Legal Specialization.

800-810-9591
1. Vicky Fealy Houston, TX
  Attorney At Law - Texas, 1991
  University of Houston Law Center, J.D.
2. Frequently Asked Questions
  Bankruptcy Frequently Asked Questions
3. Contact UsEmail or Call 24/7
  Timing is often critical and you really need to seek advice early.
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Eleanor Haynes

International Tax, Bankruptcy, Family Law, Criminal, Immigration

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FREE CONSULTATION

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12777 Jones Road, Houston, TX 77070

Christopher Theodore Phipps

Intellectual Property, Health Care Other, Bankruptcy, Personal Injury

Status: Licensed: 11 Years

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10940 W Sam Houston Pkwy N, Houston, TX 77064

Benjamin Stuart Pyle

Litigation, International Other, Consumer Bankruptcy, Personal Injury

Status: Licensed: 18 Years

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10940 W Sam Houston Pkwy N, Houston, TX 77064

Benjamin Todd Major

International Other, Insurance, Credit & Debt, Personal Injury

Status: Licensed: 15 Years

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10940 W Sam Houston Pkwy N, Houston, TX 77064

Lee Adam Cirsch

Litigation, Consumer Bankruptcy, Personal Injury, Accident & Injury

Status: Licensed: 22 Years

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6810 Cypress Creek Pkwy, Houston, TX 77069

Jason Alexander Oxner

Dispute Resolution, Estate Planning, Natural Resources, Insurance, Bankruptcy

Status: Licensed: 11 Years

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16060 Dillard Dr, Houston, TX 77040

Lashon Yvette Fleming

Juvenile Law, Estate Planning, Bankruptcy, Personal Injury, Family Law

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12777 Jones Rd, Houston, TX 77070

Jeannette Bickner Cross

Real Estate, Banking & Finance, Bankruptcy, Bankruptcy & Debt

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CONTACT

26 Champions Colony West, Houston, TX 77069

John Akard

Wills, Business & Trade, Credit & Debt, Bankruptcy

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11111 Mccracken Cir, Cypress, TX 77429

Jose Cesar Molina

Immigration, Family Law, Criminal, Consumer Bankruptcy

Status: Licensed: 23 Years

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4606 Fm 1960, Houston, TX 77069

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LEGAL TERMS

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

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North Houston Bankruptcy & Debt Lawyer, Texas

Sponsored Law Firm

The Fealy Law Firm, P.C.

SPONSORED LAWYERS

Eleanor Haynes

Christopher Theodore Phipps

Benjamin Stuart Pyle

Benjamin Todd Major

Lee Adam Cirsch

Jason Alexander Oxner

Lashon Yvette Fleming

Jeannette Bickner Cross

John Akard

Jose Cesar Molina

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LEGAL TERMS

NUISANCE FEES

PREFERENCE

REDEMPTION

GUARANTOR

PRESUMED ABUSE

DISCHARGEABLE DEBTS

MEETING OF CREDITORS

BANKRUPTCY

SOLE PROPRIETORSHIP

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