If you’ve faced a series of financial troubles, it may be time to look at filing for bankruptcy. Each person’s situation is different, so it’s important to sit down with an attorney who specializes in bankruptcy to look at your debt-to-income ratio and any additional factors that will determine whether you qualify for bankruptcy and which form of bankruptcy is right for you. Chapter 7 bankruptcy can be helpful by completely discharging a consumer’s debt and giving them a fresh start, but depending on your circumstances, you may not qualify. Chapter 13 bankruptcy is a longer-term plan that repays part of your debt and discharges others, allowing you to keep some property, like your home. Each form has its own specific regulations and details, which is why it’s important to talk to an experienced attorney. 

If your bankruptcy is being filed jointly for you and a spouse, both spouses must be on your Texas Legal plan in order for the issue to be covered.

Purchasing a home or other property can be a daunting task with lots of confusing language, steps and protocols. In order to make sure you’re getting a fair deal, it’s helpful to have an attorney by your side. 

Although many residential real estate purchases do not require an attorney’s help, you can always ask a Texas Legal attorney to review any documents for inconsistencies or potential problems, especially if you’re purchasing your first home. In addition, there are some more complex situations where a lawyer’s help can be useful in a real estate purchase, such as when there’s a problem with the title, a conflict between buyer and seller, a for-sale-by-owner purchase, a contract-for-deed  (commonly called rent-to-own) purchase or when buying a foreclosed property. In all of these situations, an attorney can help guide you through the process, ensuring your success and satisfaction.

If you’re facing the foreclosure of your home, you need a lawyer by your side. The foreclosure process is complex and can be emotionally taxing as well. A good attorney can try and stop foreclosure from happening or help it to happen in the least disruptive way possible for you and your family. If you think you may be facing foreclosure now or in the future, make sure you reach out to an attorney right away. 

If no suit has been filed in your foreclosure case, a Texas Legal attorney can help you with reviewing and preparing the necessary documents. If a lender has filed suit against you, you can get an attorney to represent you in court under our defense of civil action benefit. If you are being sued in civil court, your Texas Legal plan covers an attorney to assist you with your defense.

If you’re considering taking out a loan for any reason, get an attorney’s help reviewing the documents and making sure you understand the fine print. A Texas Legal attorney can help you look over the loan documents for any potential problems to make sure you don’t have any surprises after you sign on the dotted line.

If you are being audited or pursued by a governmental entity for tax payments, your Texas Legal plan can help. Get an attorney’s help reviewing complex tax documents, and if you’re being sued, you can hire an attorney to defend you in civil court.

Applying for social security and disability can be a difficult and time-consuming process. With your Texas Legal membership, you can get an attorney’s help preparing and reviewing your application, making you much more likely to be successful. If you’ve been denied before, an attorney can help you make a new application and possibly get benefits paid retroactively from when you first applied.

To find a Texas Legal financial law attorney near you, use our online attorney finder, selecting “Financial Law” under Area of Law, and choosing the legal issue that best matches your situation. Then put in your location or other specifics to find someone that meets your needs.