Financial struggles can feel overwhelming, and sometimes debt becomes too much to handle on your own. If you are wondering whether chapter 7 bankruptcy might be worth exploring, you are not alone. Many people face similar questions when their financial situation...
Bankruptcy
3 key protections chapter 13 bankruptcy can provide
On Behalf of Cure & Francis, P.A. | Apr 17, 2026 | Bankruptcy
Financial strain can build slowly or arrive all at once, and debt becomes overwhelming despite steady effort to stay afloat. Chapter 13 bankruptcy offers a structured course of action, not by erasing responsibility but by creating a manageable plan to regain control....
Chapter 7 or Chapter 13 bankruptcy? Ask these 3 questions
On Behalf of Cure & Francis, P.A. | Jan 12, 2026 | Bankruptcy
Debt problems often build quietly, then reach a point where ignoring them is no longer possible. Missed payments, collection calls and growing balances can make it difficult to plan or feel financially secure. Bankruptcy exists to offer relief, but choosing between...
Filing for bankruptcy? 5 things to know about Chapter 13
On Behalf of Cure & Francis, P.A. | Dec 15, 2025 | Bankruptcy
Life can take unexpected turns, and suddenly, bills start piling up and the stress feels impossible to manage. The thought of filing for bankruptcy can be frightening, even overwhelming. But Chapter 13 is actually a way to take back some control, protect what matters...
Parents of young kids may benefit from bankruptcy
On Behalf of Cure & Francis, P.A. | Sep 22, 2025 | Bankruptcy
Raising young children can be undeniably rewarding -- but it can also be an exhausting and expensive endeavor. Parents generally must budget for childcare, medical expenses, school supplies, clothing and food, all while trying to save for the future. When debt begins...
Bankruptcy can be a lifeline in an uncertain economy
On Behalf of Cure & Francis, P.A. | Aug 23, 2025 | Bankruptcy
It is not a secret that the American economy is currently quite unsettled. Millions of households are facing rising costs, unstable job markets and mounting debt. For individuals and families under severe financial pressure, bankruptcy can offer more than just legal...
Does Chapter 13 protect your cosigner from collection calls?
On Behalf of Cure & Francis, P.A. | Jul 29, 2025 | Bankruptcy
When a loan falls behind, creditors often bypass you and contact the person who co-signed it. That may be a parent, sibling or friend who added their name to help you qualify. One missed payment can trigger demand letters, phone calls or even a lawsuit against them....
5 ways to boost your credit score after bankruptcy
On Behalf of Cure & Francis, P.A. | Jun 20, 2025 | Bankruptcy
A bankruptcy discharge doesn't mean the end of your financial future. It's actually an opportunity to begin again, rebuild, and boost your credit score. With a little time and consistent effort, you can regain financial confidence and move toward a brighter future. By...
How do you propose a repayment plan in Chapter 13?
On Behalf of Cure & Francis, P.A. | May 2, 2025 | Bankruptcy
Filing for Chapter 13 bankruptcy in Texas requires you to create a repayment plan that allows you to pay off your debts over time. The court must approve this plan, and it helps you avoid liquidation while catching up on overdue bills. Here’s what you need to know...
Can student loans be discharged through Chapter 7 bankruptcy?
On Behalf of Cure & Francis, P.A. | Feb 25, 2025 | Bankruptcy
Student loan debt affects millions of people in the United States. Many struggle to make payments while keeping up with other financial obligations. Bankruptcy provides relief from overwhelming debt, but discharging student loans under Chapter 7 presents challenges....
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James O.Cure
Board certified in Consumer Bankruptcy 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.