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...
Bankruptcy
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....
How does filing for bankruptcy affect co-signers on your debts?
On Behalf of Cure & Francis, P.A. | Jan 2, 2025 | Bankruptcy
When someone co-signs a loan, they agree to share responsibility for the debt. If the primary borrower cannot pay, the co-signer becomes responsible. In Texas, this obligation remains even if the borrower files for bankruptcy. Bankruptcy does not automatically erase...
Can bankruptcy stop wage garnishments, and how?
On Behalf of Cure & Francis, P.A. | Oct 23, 2024 | Bankruptcy
Wage garnishments cause financial stress, making it hard to pay for daily living expenses. People struggling with overwhelming debt often wonder if filing for bankruptcy can stop wage garnishments. Understanding how bankruptcy works provides much-needed relief. How...
Can bankruptcy save your home from foreclosure in Texas?
On Behalf of Cure & Francis, P.A. | Aug 22, 2024 | Bankruptcy
You might feel like your back is against the wall if you are facing foreclosure on your home. In Texas, filing for bankruptcy may provide options that allow you to keep your residence. Bankruptcy is a legal process to help people manage or eliminate debt. For many, it...
Understanding bankruptcy and consumer proposals
On Behalf of Cure & Francis, P.A. | Jul 25, 2024 | Bankruptcy
When facing financial difficulties, you might come across options like bankruptcy and consumer proposals. Both options aim to help individuals manage their debts. However, understanding their differences is key to making decisions about your financial future. What is...
Understanding the legal implications of bankruptcy fraud
On Behalf of Cure & Francis, P.A. | Jun 24, 2024 | Bankruptcy
Bankruptcy fraud is a serious offense that can lead to severe consequences in Texas. The consequences and legal implications of bankruptcy fraud highlight the importance of honesty in bankruptcy proceedings. Understanding what constitutes bankruptcy fraud and its...
What may make Chapter 13 bankruptcy right for you?
On Behalf of Cure & Francis, P.A. | May 3, 2024 | Bankruptcy
If you are struggling with overwhelming debt, you might have considered filing for bankruptcy. While many people equate bankruptcy with liquidation, the truth is that you may file for Chapter 13 bankruptcy and hold on to your property despite your debt load. Chapter...
How can debt collector harassment harm you?
On Behalf of Cure & Francis, P.A. | Apr 8, 2024 | Bankruptcy
Dealing with debt can feel overwhelming at first. Facing harassment from debt collectors increases this stress and leads to far-reaching consequences. People need to understand the ways debt collector harassment can harm them. This way, they can safeguard their...
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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.