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Oliva Law

Your Options When Your Medical Debt is Overwhelming

When you need expensive medical treatment or surgery, the cost of medical care may be your last concern because health is always our first priority. However, medical bills can mount over time, turning into an unmanageable burden for you and your family.

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Oliva Law

Will Filing for Bankruptcy Get Back My Repossessed Car?

The notion of filing for bankruptcy is not easy for most people, especially with the prospect that they could lose their assets and possessions. While the exact circumstances vary by state, in most cases, the answer is yes — filing for bankruptcy can assist you in getting your repossessed car back. The key is to act quickly and to know what you need to do to make this happen.

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Oliva Law

Your Rights to Dispute Errors on Your Credit Report

With all the lockdowns, business interruptions, and layoffs during the pandemic, it wouldn’t be surprising that many individuals suddenly fell behind on their monthly obligations. As a result, their credit reports may have taken a hit—but not every entry on a credit report is accurate.

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Oliva Law Bankruptcy

Bankruptcy and Divorce: What You Need to Know

You’re considering or already in the process of divorce, but at the same time debts are overwhelming you, and you probably need to file for bankruptcy. Should you file for bankruptcy before, during, or after the divorce proceedings?

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Oliva Law

What Not to Do Before Filing for Bankruptcy

Bankruptcy is the best solution for many people searching for a way to escape crushing financial debt. Making the decision to file for Chapter 7 or Chapter 13 bankruptcy is usually a difficult one because, as with any major decision, there are numerous pros and cons you need to weigh.

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Oliva Law

How Long Does Bankruptcy Appear on a Credit Report?

In the first nine months of 2021, 14,662 Texans filed for protection under the bankruptcy code. Most of them – 9,507 or 65 percent – chose Chapter 7 liquidation, while 30 percent, or 4,441, opted for reorganization and repayment under Chapter 13. The others, because of high debt or owning a business, relied on Chapter 11.

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Oliva Law

Does Bankruptcy Stop Creditor Calls?

Overwhelmed by debt? Creditors calling almost every day? You may want to put an end to nonstop collection efforts, but you might not be sure you want to go the bankruptcy route. After all, bankruptcy means you can lose almost everything, doesn’t it?

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Oliva Law

My Mortgage Forbearance Ended. Now What?

The COVID-19 pandemic brought about serious financial and health challenges for many American households. A significant number of individuals and families were unable to keep up with their mortgage payments. To cushion the effect, the government provided mortgage forbearance relief for the affected homeowners. According to Forbes, there are an estimated 1.6 million homeowners currently in various phases of forbearance. Once the mortgage forbearance program ends, homeowners will have to decide how to repay their suspended home loan payments.

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Oliva Law

What Can I Do to Stop a Foreclosure?

There were nearly 33,700 properties with foreclosure filings during the first quarter of 2021. Although the Covid-19 pandemic moratorium on foreclosures markedly decreased the number of them from the same quarter of 2020, they were still up 9% from the last quarter of 2020. The safety net that supported so many homeowners for a time is gone. For those who were already struggling with mortgage payments, the end of the moratorium may mean they will lose their homes.

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