Blalock Law Offices, P.A.

06/02/2026

A bankruptcy discharge permanently releases you from personal liability for specific debts, legally forbidding creditors from taking further collection actions. However, certain obligations like child support and tax claims cannot be wiped out, making it essential to consult a bankruptcy attorney to safely navigate the filing process. https://www.uscourts.gov/court-programs/bankruptcy/bankruptcy-basics/discharge-bankruptcy-bankruptcy-basics

05/29/2026

Are debt collectors blowing up your phone, tracking you down on social media, or calling your workplace? Under the FDCPA, you have the right to demand they stop - but stopping the calls doesn't make the debt vanish. If you are tired of playing defense against aggressive collection agencies, let us help you go on offense with a comprehensive bankruptcy strategy. Check out your rights below.

The Fair Debt Collection Practices Act protects you from unfair tactics like threats or calls at odd hours. Know your rights and how to handle FDCPA violations.

05/26/2026

Want better loan rates or to avoid surprises when renting or applying for a job? Pull your credit reports from all three bureaus, check for mistakes (wrong accounts, duplicate debts, or unknown addresses), and dispute errors promptly. Here’s a quick guide:

Understanding what is in a credit report and how to read it can help you better manage your finances. Learn how to get your credit report and spot errors on it.

05/22/2026

An emergency (or “skeleton”) bankruptcy petition can quickly trigger an automatic stay to halt foreclosure or repossession, but you must file required follow‑up schedules and statements—typically within 14 days—so consult a bankruptcy attorney or your local court rules before filing. https://www.justia.com/bankruptcy/emergency-bankruptcy/

05/19/2026

Debt collectors must follow specific laws when contacting consumers about unpaid debts. Learn more about your rights, how to verify a debt, and what debt collectors are legally prohibited from doing.

https://www.consumerfinance.gov/consumer-tools/debt-collection/know-your-rights-when-a-debt-collector-calls/

05/12/2026

Chapter 13 lets individuals with regular income repay debts under a court‑approved 3–5 year plan while stopping most collection actions via the automatic stay — review eligibility limits and plan requirements, and consult a local bankruptcy attorney or trustee for case‑specific guidance. https://www.uscourts.gov/court-programs/bankruptcy/bankruptcy-basics/chapter-13-bankruptcy-basics

05/08/2026

Filing for bankruptcy can be overwhelming, especially when trying to understand deadlines, paperwork, and debt relief options. Learn more about how a bankruptcy lawyer may help guide you through the process.

https://money.com/do-you-need-a-bankruptcy-lawyer/

05/05/2026

A bankruptcy discharge can eliminate personal liability for certain debts—but not all obligations are erased. Federal law outlines which debts can be discharged and what protections apply against creditor collection efforts. Learn how the process works: https://www.uscourts.gov/court-programs/bankruptcy/bankruptcy-basics/discharge-bankruptcy-bankruptcy-basics

05/01/2026

Chapter 7 bankruptcy offers a fresh financial start, but strict regulations like the 90-day rule can catch you off guard. If you recently paid off a large debt, the court might reverse the transaction. A bankruptcy lawyer will evaluate your recent payments and guide you on exactly when it is safe to file your case.

This bankruptcy timing rule could determine whether you keep recent payments or lose them to creditors. Here's why.

04/27/2026

If your credit card balances keep growing, there may be legal ways to manage or reduce what you owe. Learn more about debt relief options and when bankruptcy might be worth considering.