Houston Attorney Vicky Fealy

Attorney's Profile

COLLEGE:
University of Texas
LAW SCHOOL:
University of Houston
ATTORNEY SINCE:
1991
STATES ADMITTED:
Texas
PRACTICE AREAS:
Consumer and Small Business Bankruptcy

Attorney's Videos

Are foreclosure laws different from state to state?
Foreclosure Defense Law

Are there any foreclosure scams I should watch out for?
Foreclosure Defense Law

Are there any special rights in Texas that protect me from foreclosure if I am in the military?
Foreclosure Defense Law

Are there debts that I cannot discharge through bankruptcy?
Bankruptcy Law

Are there restrictions in Texas on when or where a debt collector can contact me?
Credit Card Law

Are there tax consequences if my property in Texas is foreclosed?
Foreclosure Defense Law

Are there tax consequences on a short sale?
Foreclosure Defense Law

Are there tax consequences to filing bankruptcy?
Bankruptcy Law

At the foreclosure sale in Texas, will the attorneys and potential bidders have to come inside the house?
Foreclosure Defense Law

Can a debt collector contact my family, employer, or anyone else about my debt in Texas?
Credit Card Law

Can a debt collector garnish federal benefits?
Credit Card Law

Can a debt collector garnish my bank account or my wages in Texas?
Credit Card Law

Can a debt collector keep contacting me if I do not think I owe any money?
Credit Card Law

Can an automatic stay in a bankruptcy case delay or stop a foreclosure?
Foreclosure Defense Law

Can I be allowed to pay the arrearage on my Texas mortgage after a foreclosure has started?
Foreclosure Defense Law

Can I bid at my own foreclosure auction in Texas?
Foreclosure Defense Law

Can I convert from a Chapter 13 to 7 bankruptcy?
Chapter 13 Bankruptcy Law

Can I file bankruptcy only on my personal or just on my business debts?
Bankruptcy Law

Can I get credit after bankruptcy?
Bankruptcy Law

Can I lose my IRA, 401k, or other retirement account in bankruptcy?
Bankruptcy Law

Can I not be approved for bankruptcy?
Bankruptcy Law

Can I put my assets in someone else's name before filing for bankruptcy?
Bankruptcy Law

Can I qualify for a loan modification or should I not even bother?
Foreclosure Defense Law

Can I repair my own credit profile instead of paying a company to do it for me?
Credit Repair Law

Can I repay debts owed to relatives before filing for bankruptcy?
Bankruptcy Law

Can my ex-spouse avoid paying child support if they file for bankruptcy?
Bankruptcy Law

Can my property in Texas be sold or re-financed if I am in the process of foreclosure?
Foreclosure Defense Law

Can my utility providers stop service if I file bankruptcy?
Bankruptcy Law

Do bankruptcy laws vary from state to state?
Bankruptcy Law

Do I have to be in default to get a loan modification in Texas?
Foreclosure Defense Law

Do I have to list all my debts in a bankruptcy filing?
Bankruptcy Law

Do I have to move out of my home during the foreclosure process in Texas?
Foreclosure Defense Law

Do I have to pay my bills during a Chapter 7 or 13 bankruptcy?
Bankruptcy Law

Do I need to live in my house to qualify for mortgage assistance or a loan modification?
Foreclosure Defense Law

Does Texas have a law ensuring that creditors abide by the Fair Debt Collection Protection Act?
Debt Relief Law

Does a foreclosure in Texas mean I lose any equity I have in the property?
Foreclosure Defense Law

Does a previous bankruptcy prevent me from filing bankruptcy again?
Bankruptcy Law

Does my spouse have to file bankruptcy with me?
Bankruptcy Law

Does paying off past due accounts help to improve my credit ratings?
Credit Repair Law

Does the Fair Debt Collection Practices Act apply to attorneys collecting debts?
Debt Relief Law

Does the Fair Debt Collection Practices Act apply to original creditors, or is it limited to third-party debt collectors?
Debt Relief Law

Does the IRS have to agree to my Chapter 13 plan?
Chapter 13 Bankruptcy Law

How can I defend a foreclosure action in Texas and keep my home?
Foreclosure Defense Law

How difficult is it to file for Chapter 7 under the new bankruptcy laws?
Chapter 7 Bankruptcy Law

How do bankruptcy attorneys charge for their services?
Bankruptcy Law

How do I cure or reinstate the default on my mortgage in Texas?
Foreclosure Defense Law

How do I determine if should file bankruptcy?
Bankruptcy Law

How do I get the lender to stop calling my home at all hours?
Foreclosure Defense Law

How do I know which bankruptcy chapter to file?
Bankruptcy Law

How do I prepare my bankruptcy payment plan?
Bankruptcy Law

How does a Chapter 13 bankruptcy case begin?
Chapter 13 Bankruptcy Law

How does a Chapter 7 bankruptcy affect a foreclosure in Texas?
Foreclosure Defense Law

How long do the credit bureaus have to respond to a dispute letter when credit repair is attempted?
Credit Repair Law

How long does information remain on my credit report?
Credit Card Law

How long does the bankruptcy process typically take?
Bankruptcy Law

How long does the foreclosure process usually take in Texas?
Foreclosure Defense Law

How long will a bankruptcy filing remain on my credit record?
Bankruptcy Law

How many days must my credit card bill arrive before it is due?
Credit Card Law

How often, if ever, will I have to go to court during bankruptcy proceedings?
Bankruptcy Law

I have lots of other questions about my foreclosure. Can I call the judge or the court for advice?
Foreclosure Defense Law

If a foreclosure judgment enters, will there be a public auction?
Foreclosure Defense Law

If I declare bankruptcy, can I lose my car?
Bankruptcy Law

If I declare bankruptcy, can I lose my house?
Bankruptcy Law

If I file for bankruptcy, can I keep my credit cards?
Bankruptcy Law

If I file for bankruptcy, does it mean my old bad debts are erased from my credit report?
Bankruptcy Law

If I know that I will be out of work and unemployed soon, what can I do now to prevent foreclosure?
Foreclosure Defense Law

If my foreclosed property in Texas is sold for less than the total amount owed, can the lender collect the difference?
Foreclosure Defense Law

If my house has a homestead exemption, can I still lose my house in a foreclosure?
Foreclosure Defense Law

Is cancellation of debt always taxable?
Debt Relief Law

Is it possible to get a loan modification in Texas after bankruptcy has been filed?
Foreclosure Defense Law

Is there any downside to lengthening the credit card debt negotiation process?
Debt Relief Law

Once the foreclosure process starts, is there anything I can do to stop it?
Foreclosure Defense Law

Should I defend the foreclosure if I am underwater or owe more money than the property's market value is worth?
Foreclosure Defense Law

What actions does the Fair Debt Collection Practices Act require of debt collectors?
Debt Relief Law

What actions does the Fair Debt Collection Practices Act specifically prohibit?
Debt Relief Law

What are the advantages of filing for bankruptcy?
Bankruptcy Law

What are the alternatives to foreclosure in Texas?
Foreclosure Defense Law

What are the consequences of missing ONE mortgage payment?
Foreclosure Defense Law

What are the different types of bankruptcy?
Bankruptcy Law

What are the final steps in the foreclosure process in Texas?
Foreclosure Defense Law

What are the most common mistakes I can make when filing for bankruptcy?
Bankruptcy Law

What are the most common reasons for Chapter 13 bankruptcy?
Chapter 13 Bankruptcy Law

What are the most common reasons for Chapter 7 bankruptcy?
Chapter 7 Bankruptcy Law

What can an experienced and knowledgeable attorney do to help me with my foreclosure in Texas?
Foreclosure Defense Law

What can happen to me when I do not pay a debt?
Debt Relief Law

What can I do if a collector violates the Fair Debt Collection Practices Act?
Debt Relief Law

What debts are erased by a bankruptcy, and what debts cannot be erased by bankruptcy?
Bankruptcy Law

What do I do after I am served with a summons and foreclosure complaint in Texas?
Foreclosure Defense Law

What do I have to disclose about my finances in a bankruptcy filing?
Bankruptcy Law

What do I have to do to file bankruptcy?
Bankruptcy Law

What does a Chapter 13 bankruptcy involve?
Chapter 13 Bankruptcy Law

What does Chapter 7 bankruptcy involve?
Chapter 7 Bankruptcy Law

What does it cost to file bankruptcy?
Bankruptcy Law

What does the Fair Credit Reporting Act cover?
Credit Card Law

What does the Fair Debt Collection Practices Act prohibit?
Debt Relief Law

What happens after the payment plan is approved?
Bankruptcy Law

What happens if I do not dispute the debt's validity?
Debt Relief Law

What happens if I win my Fair Debt Collection Practices Act case?
Debt Relief Law

What happens to my credit line if my house is foreclosed?
Foreclosure Defense Law

What happens to my mortgage if my house is foreclosed in Texas?
Foreclosure Defense Law

What happens to the principal balance after a loan modification?
Foreclosure Defense Law

What happens to the tenants if my Texas rental house is foreclosed?
Foreclosure Defense Law

What happens when I miss my mortgage payments in Texas?
Foreclosure Defense Law

What if I cannot afford a bankruptcy attorney?
Bankruptcy Law

What if I cannot make the payments required under my bankruptcy court ordered plan?
Bankruptcy Law

What is a debt settlement program (or debt workout program)?
Debt Relief Law

What is a deed in lieu of foreclosure?
Foreclosure Defense Law

What is a loan modification?
Foreclosure Defense Law

What is a repayment plan?
Foreclosure Defense Law

What is a servicing agent and is it different from my lender?
Foreclosure Defense Law

What is a short sale?
Foreclosure Defense Law

What is an underwater mortgage?
Foreclosure Defense Law

What is bankruptcy?
Bankruptcy Law

What is credit repair?
Credit Repair Law

What is the proposed payment plan?
Chapter 13 Bankruptcy Law

What must a debt collector tell me about my debt in Texas?
Credit Card Law

What practices are off limits for debt collectors in Texas?
Credit Card Law

What should I do if a debt collector sues me?
Credit Card Law

What should I do if I am unable to pay my mortgage?
Foreclosure Defense Law

What should I do to avoid a foreclosure sale in Texas?
Foreclosure Defense Law

What steps do I need to take before filing for bankruptcy?
Bankruptcy Law

What will happen if I do not do anything, but ignore the summons and foreclosure complaint?
Foreclosure Defense Law

What will happen in court for my foreclosure in Texas?
Foreclosure Defense Law

What will happen to my bills after I declare bankruptcy?
Bankruptcy Law

What will happen to my foreclosure if I file bankruptcy?
Foreclosure Defense Law

What would cause creditors to ask for my income and assets during debt settlement negotiation?
Debt Relief Law

When should I try to do a short sale?
Foreclosure Defense Law

When will I be discharged from bankruptcy?
Bankruptcy Law

Who can use Chapter 13?
Chapter 13 Bankruptcy Law

Who can use Chapter 7?
Chapter 7 Bankruptcy Law

Who is eligible for a debt workout (or debt settlement) to get out of credit card debt?
Debt Relief Law

Who makes the choice regarding Chapter 7?
Chapter 7 Bankruptcy Law

Who notifies the creditors and bill collectors that I declared bankruptcy?
Bankruptcy Law

Who pays the foreclosure fees in Texas?
Foreclosure Defense Law

Why did my mortgage company send me my payment back?
Foreclosure Defense Law

Will bankruptcy stop wage garnishments?
Bankruptcy Law

Will I get any of the sales proceeds if the court clerk sells my Texas property in foreclosure?
Foreclosure Defense Law

Will I have to give up all my assets?
Bankruptcy Law

Will I have to go to court for my foreclosure in Texas?
Foreclosure Defense Law

Will I lose my assets if I file for Chapter 7?
Chapter 7 Bankruptcy Law

Will my attorney be able to delay the foreclosure process in Texas so I can stay in my home longer?
Foreclosure Defense Law

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Law Firm Info

Fealy Law Firm, P.C.
http://www.houston-bankruptcy-attorney.com

1235 North Loop West, Suite 1005
Houston, Texas 77008

(713) 234-6255

About Our Firm

Houston bankruptcy attorney Vicky Fealy is board certified in Consumer Bankruptcy Law by the Texas Board of Legal Specialization. She has for more than 18 years provided bankruptcy legal representation for Houston consumers and businesses regarding bankruptcy law issues such as Chapter 7 bankruptcy, Chapter 13 bankruptcy, Chapter 11 bankruptcy, Credit card debt, IRS Problems, Repossessions Judgments, or Foreclosures.

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