Pearland, TX asked in Bankruptcy for Texas

Q: Can i get someone to help me, I need to file bankruptcy, like now, no one will answer me, i have been trying

I am a senior on SS, the mortgage raised my payments, and I can't pay them, i am in danger of losing my home, I have been trying for weeks to get someone to help me

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2 Lawyer Answers
Tammy Lyn Wincott
Tammy Lyn Wincott
Answered
  • Bankruptcy Lawyer
  • San Antonio, TX
  • Licensed in Texas

A: If the mortgage raised your payments due to your taxes being escrowed make sure your taxing authority knows you're a senior so that your tax bracket is frozen and won't increase each year. You might file a chapter 7 bankruptcy to get rid of unsecured debt like credit cards and medical debt which may help you afford your morgtage payments but if you are thinking of filing a chapter 13 where you pay the bankruptcy court every month, you'll have to be able to afford your mortgage plus make monthly payments to the bankruptcy court so that won't work.

Please consult with a bankruptcy attorney to see what your options are.

Timothy Denison
Timothy Denison
Answered
  • Bankruptcy Lawyer
  • Louisville, KY

A: Contact your local bar association or legal aid society to get a list of attorneys who do pro bono or reduced rate representation.

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