Debt is a universal burden that many people face, and it often carries heavy emotional and psychological implications. Being in financial distress can negatively impact every aspect of a person's life. However, contrary to popular belief, filing for bankruptcy can...
Bankruptcy
Understanding non-dischargeable debts
On Behalf of Cure & Francis, P.A. | Apr 10, 2023 | Bankruptcy
Bankruptcy can offer much-needed relief to individuals in Texas who face overwhelming debt. However, it is essential to recognize that bankruptcy does not discharge all debts. Some debts still fall under the debtor's responsibility, even after completing the...
Is filing for bankruptcy irresponsible?
On Behalf of Cure & Francis, P.A. | Mar 11, 2023 | Bankruptcy
When the burden of debt becomes too great to bear, bankruptcy may offer relief. However, many people resist this path because of the significant stigma surrounding it. A common misconception is that bankruptcy is a way for financially irresponsible people to get out...
3 things you should never do when filing for bankruptcy
On Behalf of Cure & Francis, P.A. | Feb 6, 2023 | Bankruptcy
Bankruptcy offers a solution for those who get in over their heads with debt. If you can no longer meet your obligations, you might be thinking about filing bankruptcy to resolve those accounts. While it can help you address your debts, there are a few things that you...
What is a 341 meeting?
On Behalf of Cure & Francis, P.A. | Sep 2, 2022 | Bankruptcy
If you are facing relentless bill collectors, have bills that you cannot pay, or have fallen behind on your mortgage, declaring bankruptcy might be your answer. Bankruptcy can stop the collection calls, reduce or eliminate your debts and save your home. Bankruptcy can...
Are creditors allowed to harass people who owe money?
On Behalf of Cure & Francis, P.A. | Jul 31, 2022 | Bankruptcy
When you owe creditors money you expect that they will contact you in order to collect the debt. Written notices and phone calls are reasonable expectations. But at some point, regular attempts at collection cross the line into harassment. The law defines that line...
Are student loans eligible for bankruptcy discharge?
On Behalf of Cure & Francis, P.A. | Jul 1, 2022 | Bankruptcy
Current laws make it difficult for student borrowers to discharge student debt during bankruptcy proceedings, but thanks to reform efforts, this could change under the Biden administration. The requirements in place for a discharge on student loans include proof of...
Are your retirement accounts safe from bankruptcy?
On Behalf of Cure & Francis, P.A. | May 12, 2022 | Bankruptcy
In bankruptcy, the courts review your assets to determine your ability to pay back your debts. If you have money set aside in retirement accounts, funds are usually safeguarded from your creditors because of the Bankruptcy Abuse Prevention and Consumer Protection Act...
3 bankruptcy myths that may be keeping you from a fresh start
On Behalf of Cure & Francis, P.A. | Mar 11, 2022 | Bankruptcy
If you are struggling with overwhelming debt, you may feel you have no options left. Like many Americans, you may think of bankruptcy as a last-resort option that will mean losing your home, your car and any chance of rebuilding your credit. However, state and federal...
Avoid these Chapter 7 mistakes
On Behalf of Cure & Francis, P.A. | Jan 19, 2022 | Bankruptcy
Bankruptcy is a helpful tool to use if you have issues paying your debt. However, in the case of Chapter 7 bankruptcy, there are a few mistakes you need to avoid before declaring. Chapter 7 is an excellent way to start fresh, though your credit score will take a...
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James O.Cure
Board certified in Consumer Bankruptcy Law and Civil Trial Law by the Texas Board of Legal Specialization.

John R. Francis
Board certified in Personal Injury Trial Law and Civil Trial Law by the Texas Board of Legal Specialization.