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bankruptcy
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How Long Does a Bankruptcy Stay on Your Credit Report?

Many people fear that filing for bankruptcy will be a permanent black mark on their credit rating. They may avoid bankruptcy in the hope that they will be able to salvage their creditworthiness but instead end up digging themselves further into a financial hole. In truth, a bankruptcy filing has only a temporary effect, and Read More

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How Did I Get Here and How Do I Get Out? — Handling Debt During a Pandemic

Job losses and a reduction in supplemental unemployment benefits have led people through the Houston area to rely on credit cards and unsecured personal loans to try to make ends meet during the pandemic. Once temporary relief programs expire, many Texans will be facing repossessions, evictions and foreclosures. As debt relief attorneys, we are passionate Read More

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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

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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

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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

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  • "Mr. Fernandez goes above and beyond to help his clients. I highly recommend his law office." - Lorie A.

In the News
  • Texas woman receives a $17,000 bill for a 2-mile ambulance ride

    HOUSTON, TX - Some rides can be very, very expensive. What started as a fun weekend with the gal pals in Galveston, ended in more than a big headache...

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  • David A. Fernandez, Attorney Of The Month

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    Who's Who Top Attorneys North America

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  • Who's Who Top Attorneys North America
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