Bankruptcy is a product of federal law. The bankruptcy laws are contained in Title 11 (and 11A) of the United States Code. The United States Government Printing Office provides online access to the Code.
Bankruptcy law is found in Title 11 of the United States Code. However, certain other federal laws may affect a debtor's decision to file for bankruptcy protection. For example, a debtor may consider a creditor's ability to collect and report on his debts under the Federal Fair Debt Collection Act and the Consumer Credit Protection Act (Title 15 of the U.S. Code). The Federal Trade Commission provides online access to Code.
Bankruptcy is a product of federal law. However, certain state laws - specifically those pertaining to a creditor's ability to collect a debt - may affect a debtor's decision to file for bankruptcy. The Texas Civil Practice & Remedies Code contains some of the state's laws pertaining to debt collection - Ch. 34 (Execution on Judgments), Chs. 61-66 (Extraordinary Remedies) and Ch. 16 (Statute of Limitations for Filing Suit). The Texas Finance Code contains the Texas Debt Collection Act. The Texas State Legislature provides online access to the Codes. The Codes are downloadable in pdf and Word formats.
Bankruptcy is a product of federal law. However, certain state laws come into play as well. For example, one issue that may arise during a bankruptcy case is whether a debtor's property is subject to any statutory liens and what, if anything, the debtor can do to remove them. Texas laws relating to the validity of, the requirements for placing, and the effects of bankruptcy on, statutory liens against a debtor's property are found in the Texas Property Code (specifically, but not limited to, Title 5). The Texas Legislature provides online access to the Code. The Code is downloadable in pdf and Word formats.
Bankruptcy is a product of federal law. However, certain state laws come into play as well. For example, one issue that arises during a bankruptcy case is whether certain property is "exempt" or "non-exempt." In a Chapter 7 proceeding, a debtor can keep "exempt" property but must relinquish "non-exempt" property (if he has any; most Chapter 7 debtors do not) to pay his creditors. In a Chapter 13 proceeding, a debtor is not required to relinquish any property, but he must pay certain creditors at least as much as the value of his "non-exempt" property. State law determines whether property is "exempt" or "non-exempt." For Texas, the laws can be found in the Property Code (Ch 41 and Ch 42). The Texas State Legislature provides online access to the Code. The Code is downloadable in pdf or Word formats.
Bankruptcy is a product of federal law. However, many state laws come into play as well. For example, one issue that may arise during a bankruptcy case is whether a debtor's property is subject to any taxing authorities regarding personal and/or real property. Texas laws relating to taxes, and the effects of bankruptcy against a debtor's property are found in the Texas Property Code and the Texas Property Tax Code. The Texas Legislature provides online access to the Code. The Code is downloadable in pdf and Word formats.
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Filing Bankruptcy can sometimes be the fastest way to get out of debt and may be the most affordable way to get a fresh financial start. Chapter 7 Bankruptcy can quickly wipe out your debts, increase your credit score, stop wage garnishments, get rid of credit card debt, eliminate medical bills, stop payday loans, stop bill collectors, erase negative credit reporting, and reestablish new credit after bankruptcy. RJ Atkinson — Austin Bankruptcy Lawyer have payment plans to make filing Chapter 7 or Chapter 13 Bankruptcy affordable which include low cost flat fees for Chapter 7 that may be considered the cheapest bankruptcy attorney fees compared to fees other bankruptcy lawyer charge. Chapter 13 Bankruptcy can save your home from foreclosure, save your car from repossession, lower monthly payments, reduce interest rates, get rid of late fees, reduce credit card interest, payoff high credit card debt, raise your credit score, stop creditor harassment, get rid of debt, reduce debt, eliminate creditor calls at work, stop collection calls, start over financially, discharge debts and/or be debt free in 3 to 5 years. IRS tax problems, tax levies, wage garnishments, back taxes, payroll taxes, income taxes can often be handled in Chapter 13 bankruptcy. Divorce/Bankruptcy – past due child support arrears, alimony, spousal support, and divorce debt can often be handled in chapter 13 bankruptcy. The Law Offices of RJ Atkinson handles debt consolidation, loan modifications, credit card debt settlement, debt negotiation, lawsuit defense, IRS problems, credit card lawsuits, TROs temporary restraining orders to foreclosure, forbearance agreements to foreclosure, FDCPA Fair Debt Collection Practices Act lawsuits, FCRA Fair Credit Reporting Act lawsuits, credit report disputes, debt collection lawsuits, adversary complaints in bankruptcy, bankruptcies, foreclosure workouts, mortgage short sales, real estate property tax disputes, civil litigation, commercial litigation, tax lawsuits, small business bankruptcy, corporate bankruptcy, business creditor representation, and most every kind of debt related issue or financially based legal problem on a case by case basis.
Austin Bankruptcy Attorney at RJ Atkinson handle Personal Bankruptcy and Business Bankruptcy cases in and around Austin TX Travis County, as well as the Counties of Williamson, Bastrop, and Hays. If you live in Austin and would like to file for Bankruptcy, the Austin Bankruptcy Lawyer at RJ Atkinson represent people and businesses in Bankruptcy proceedings throughout the Austin area. We accept bankruptcy cases in Austin Texas, Georgetown Texas, Round Rock Texas, San Marcos Texas, or in the Cities of Barton Creek, Bartlett, Bastrop, Bear Creek, Bee Cave, Blanco, Briarcliff, Buda, Cedar Park, Creedmoor, Coupland, Dripping Springs, Elgin, Florence, Garfield, Georgetown, Granger, Hutto, Hudson Bend, Jollyville, Jonestown, Jarrell, Johnson City, Kyle, Lago Vista, Lakeway, Leander, Liberty Hill, Lost Creek, Luling, Manchaca, Manor, Mountain City, Norman’s Crossing, Onion Creek, Pflugerville, Point Venture, Rollingwood, San Leanna, Shady hollow, Smithville, Sunset Valley, Taylor, Thorndale, Thrall, The Hills, Volente, Waterloo, Weir, Webberville, Wells Branch, West Lake Hills, Wimberley, Windmere, Woodcreek, or most anywhere in the Austin area.
Pursuant to 11 U.S.C. §528, “We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.”
