… estate he was managing seems to emphasize the point.

Moyler was a longtime, respected lawyer in Franklin but was forced to file for bankruptcy in 2008. He and his wife declared $4.2 million in debts, but he failed to disclose that he had “borrowed” just under $4 million from a client, according to court records.

The records say that between 2000 and 2009 Moyler “converted for his personal benefit” the money from the estate of the client, Lucille Steinhardt. After her …

Tags: Bankruptcy Attorney file bankruptcy Lawyer

Review your coverage during open enrollment

According to an article this Sunday in the Dallas Morning News, “It’s open season, and time to rethink your health plan,” this is the year to rework and review your health insurance coverage. Over the last several months, many workers crammed in last minute medical care in anticipation of job loss and thereby insurance coverage.  As a …

Category: Dallas Lawyer , Economy , Fort Worth Lawyer , Medical Bills

… that this quote came from a 2003 printing of the book.  It says:

“An old adage says that a lawyer who represents himself has a fool for a client.  Nowhere is that statement more true than in the area of bankruptcy law, and never was it truer than today.  Bankruptcy law is incredibly complex, and many attorneys with successful general practices have difficulty keeping up to date.

Although the federal statute known as the Bankruptcy Code comprises only a single book (and a …

Tags: bankruptcy law Finding a Lawyer Pro Se

… be able to get a discharge of your tax debt under certain circumstances. With a skilled bankruptcy lawyer by your side, it is certainly possible if the debt meets certain criteria. The tax year in question must have been filed in a timely manner, and without the intent of fraud. The tax liability also must be more than three years old in order to qualify for discharge. In addition, the IRS must not have assessed your liability for the tax debt within 240 days prior to your bankruptcy filing …

Tags: Income tax Internal Revenue Service Lawyer United States

Many people find their credit card canceled even though they had a zero balance and the credit card was not included in their bankruptcy schedule.

Imagine six months after your bankruptcy has been discharged.  You’ve turned your financial situation around and there is no more worrying how you are going to pay your bills.  Everything is on the up and up; you’re budgeting well and have …

Category: Credit Card Negotiation , Credit Crisis , Dallas Lawyer

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Most people have at least passing knowledge of wage garnishment–the process of deducting money from an employee’s monetary compensation (including salary) as a result of a court order.  Fortunately for those who find themselves in the unfortunate position of having their wages garnished, these payments are limited by federal law to 25 percent of the …

Category: Fort Worth Lawyer , Property Exemptions , Tax - Debt Garnishments

The Star-Telegram has an interesting article about the energy efficient tax credits offered by the government, but some caution is advised. There’s already an energy star tax incentive offered by the federal government which you can find out about at www.energystar.gov ; but now the U.S. Energy Department will distribute $300 million through state programs which in turn will be handed out …

Category: Economy , Fort Worth Lawyer

Consumers affected by drastic changes in credit ratings.

More and more people are receiving the pink slip, but not just from employers.  It seems that the credit card companies that were once so eager to be your friend and trusted financial advisor are also letting people go, or at least significantly reducing the welcome status of many consumers.  A report by Business Week explains …

Category: Credit Card Negotiation , Dallas Lawyer

This economy is tough and many seniors are facing financial issues they certainly never expected to face in the golden years.  Foreclosures are rising for many seniors who refinanced or upgraded their homes during the boom and many are finding it difficult to keep their heads above water financially.  But should seniors sell their life insurance policy to prevent foreclosure or pay off …

Category: Debt and Tax Relief , Economy , Fort Worth Lawyer

Most debtors hear the phrase “debt to income ratio” and they aren’t sure what it means exactly. In a nutshell, a debtor’s debt to income ratio is the percentage of debt they have in ratio to their income.  This debt to income ratio is used by credit card companies, mortgage lenders, car financers and others to determine whether you are a safe risk.  If you have too much debt in …

Category: Bankruptcy , Debt Consolidation , Fort Worth Lawyer

After your bankruptcy has completed, you need to take steps to make sure that you avoid the same mistakes that helped lead you to bankruptcy.   One of the things you can do to get your financial life back in order is to begin to use credit wisely.  Not only will using credit wisely help you towards financial prosperity, it will help you get your credit in check sooner rather than …

Category: Credit Counseling , Credit Crisis , Dallas Lawyer

… member or friend who’s had a great experience with a savvy bankruptcy attorney, or your own lawyer who practices a different area of law, seeking out referrals from those you trust can be a powerful tool.  Rather than breaking out the Yellow Pages and throwing darts at the bankruptcy pages, this gives you a logical starting point to begin your research.  You can get firsthand experience from those who have already worked with the suggested attorney, which can be a distinct advantage …

Category: Bankruptcy , Dallas Lawyer , Fort Worth Attorney