Feb
21
Texas Home Foreclosure Proceedings
Filed Under Foreclosure
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Bankruptcy can save your home from exclusion
Fort Worth, TX – Imagine being a mother of two just to get in your paycheck when a slight decrease as placed behind the mortgage payments. That's what happened to Yvonne, who asked that we not use his surname.
Having already been through a title = "Fort Worth Chapter 7"> Chapter 7 bankruptcy when she was separated from her husband, Yvonne went for help to save your home for their children. She found a Robert Higgins, a bankruptcy attorney and founder of Robert A. Higgins & Associates.
Higgins helped Yvonne title = "Chapter 13 lawyer Fort Worth "> file Chapter 13 bankruptcy to reorganize their debts and support his family in the house that has been his home for the past 13 years.
"I just stood back for a couple of months. I was trying to work with them. Then in June I could not keep up, and told me they were ready to start foreclosure proceedings in early August, "he said." I had to do something to protect my house. "
Yvonne and her family are not alone. In North Texas, more than 2,500 units per month are scheduled for foreclosure.
It may not seem the best option to present bankruptcy, but Chapter 13 protection in Texas can save a home from Foreclosure and allow homeowners who may have left behind a while to get current on their obligations.
State bankruptcy exemptions in Texas include the person's family, up to 10 hectares, in a city or town and up to 100 acres in rural areas (200 acres for a family farm).
"The law was created to protect the home and the home," said Higgins. "As a lawyer bankruptcy of the most successful part of my job is to help people who work hard to keep their homes. "
Higgins and his firm represents hundreds of the bankruptcy clients each year.
"Even in good times, a family illness or conflict can force people into a financial crisis" Higgins explained. "Bankruptcy law is there to help someone who is at risk of victimization of their situation."
And Yvonne thanks for the help.
"I had tried to file with another attorney before I contacted Higgins & Associates," he said. "The case was dismissed and I never heard from them again. Higgins & Associates has been a lifesaver for me. "
In the 12 months ended in June, bankruptcies 934 009 Personal occurred in the United States. Of these, 8585 were filed in the Northern District of Texas, including Fort Worth and Tarrant County.
The number of bankruptcy filings in the Northern District of Texas rose 6.1 percent in that period of 12 months, according to information released by the courts.
"It seems like more and more people are getting in their heads," said Higgins. "I see several things that are at fault, divorce, job loss work, medical bills, loose lending standards, predatory lenders or borrowers who did not really know how far in debt they were getting are some of the most common situations. What is important is that there is a way out of this mess. "
Robert A. Higgins is a major bankruptcy attorney Fort Worth and founding member of Higgins & Associates, a firm that has helped thousands of clients protect their assets through personal bankruptcy filings.
For more information and contact information of the persons mentioned in this release, contact Robert Higgins at 817-228-0490 robert@higginsandassociates.com or email.
About the Author
Rudy Rival is an author and staff writer in the Bankruptcy and Social Security Disability areas.
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