Recent Blog Posts

The Most Common Causes of Bankruptcy

Many people may believe that bankruptcy usually occurs because of excessive spending and financial mismanagement, but this could not be further from the truth. The vast majority of bankruptcy petitioners are financially responsible people who find themselves in a financial bind after a run of bad luck that could have happened to anyone. Medical bills… Read More »

File For Chapter 7 Bankruptcy And Keep Your Retirement Savings

Most people work hard to plan for retirement by setting aside money in specified retirement funds. Whether you have savings in an IRA, 401(k), 403(b) or 457 Plan, the purpose remains the same: to provide accessible resources for a time when you are ready to stop working due to your age or disability. To encourage… Read More »

Will I Have To Go To Court?

A court setting is formal and intimidating to people who do not regularly go to court or appear before a Judge. Bankruptcy Court is a federal court, making it all the scarier to people. This is especially true when you are already dealing with the overwhelming instance of financial uncertainty. When you file for bankruptcy,… Read More »

Is Bankruptcy For Me?

During these tough economic times, many Americans are experiencing an inability to meet their obligations as they become due. Whether the inability is due to a loss of job, illness, the requirement to take a lesser salary, divorce or another change in your economic health, you do have options. As more and more people find… Read More »

Bankruptcy and Your Security Clearance

Many people know they need to file for bankruptcy but always seem to have an excuse for not reaching out to a Chapter 7 attorney in Houston. Nearly all of these excuses come down to fear: I am afraid that bankruptcy will ruin my credit score I am afraid that my boss will find out… Read More »

Debt Collection Defense

Houston debt collections defense attorneys have a very important job, as they are often the only barrier between you and the moneylenders. Although, at the end of the day, there is very little adverse action that a moneylender or debt-buyer can take against you in Texas, a debt collection lawsuit is nothing to ignore. While… Read More »

Credit Card Lawsuit Defense

In Texas, a lawsuit regarding an overdue credit card bill can be either a good thing or a bad thing. The outcome is almost completely dependent on how you choose to handle the situation. Credit card lawsuit defense lawyers in Houston can help ensure that the lawsuit has a positive outcome for you and your… Read More »

Debt-Buyers in Texas

Ever since Americans first arrived in the 1820s, Texas has been known as a place that is very friendly to debtors and consumers. A great number of Texas debt defense lawyers are proud to uphold that tradition. Houston debt defense attorneys have been busy in the wake of the landmark National Mortgage Settlement, which exposed… Read More »

Our Blog

Welcome to the official blog of the Law Office of David A. Fernandez! We hope that this entry will be followed by many others in the coming weeks, months and years. We are a law office in East Houston TX with a practice in debt defense and bankruptcy. We have many years of experience representing… Read More »