AV Preeminent Peer Rated Attorneys
Mount Pleasant Residents, consider several factors when selecting a lawyer including their experience, expertise, and reputation. AV Rated Attorneys represent a distinguished group of lawyers who have received top ratings from their peers for their exceptional ethical standards and an A grade (4.5 or higher).
AV Preeminent Peer Rated Attorneys
Mount Pleasant Residents, consider several factors when selecting a lawyer ... Learn More
AV Preeminent Peer Rated Attorneys
Mount Pleasant Residents, consider several factors when selecting a lawyer including their experience, expertise, and reputation. AV Rated Attorneys represent a distinguished group of lawyers who have received top ratings from their peers for their exceptional ethical standards and an A grade (4.5 or higher).

Law Office of David Ruff

4.8
2 Reviews

  • Serving Mount Pleasant, TX

  • Law Firm with 1 lawyer2 awards

  • Full service bankruptcy attorney representing residents of Northeast Texas and Southwest Arkansas in chapter 7 and chapter 13 bankruptcy.

  • Bankruptcy LawyersBankruptcy Chapter 7, Bankruptcy Chapter 13, and 10 more

David V. Ruff II
Bankruptcy Lawyer
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The Bufkin Law Firm

  • 126 W. 2nd St., Mount Pleasant, TX 75455

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Looking for Bankruptcy Lawyers in Mount Pleasant?

Bankruptcy lawyers help individuals and businesses find relief from overwhelming debt. They analyze your financial situation and guide you through processes like Chapter 7 liquidation or Chapter 13 reorganization. Their goal is to stop creditor harassment, protect your assets, and provide a legal path to a fresh financial start.

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The average lawyer rating is created by peers based on legal expertise, ethical standards, quality of service, and relationship skills. Recommendations are made by real clients.

CLIENT RECOMMENDED
100 %

3 Client Reviews

PEER REVIEWS
4.8

1 Peer Review

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Commonly Asked Bankruptcy Questions From Users Near You

This information is not legal advice and is not guaranteed to be correct, complete or up-to-date. It is provided for general informational purposes only. If you need legal advice you should consult a licensed attorney in your area.

What do I do about a court summons for credit card debt?

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Answered by attorney Theodore L. Araujo (Unclaimed Profile)
Bankruptcy lawyer at Theodore Lyons Araujo
The first thing you need to do if and when you get sued is file an Answer. The summons will tell you that you must "appear" by way of an Answer in 10, 20 or 30 days, "depending on the method of service." PLEASE CHECK THE LAW IN YOUR STATE AS YOU MAY ACTUALLY HAVE TO APPEAR IN COURT, AS IN VIRGINIA, IN ORDER TO AVOID A DEFAULT! You need a lawyer, but if you cannot afford one right away, rather than do nothing and have a judgment entered against you, is to "appear" by filing something! Many people think this means they have to go to Court and this is incorrect. 90% of all lawsuits end in Default Judgments because the defendant (person getting sued) did not file an Answer. I recommend you go to the free form I have on my website. Print it out and fill it out as instructed. You must answer the numbered paragraphs on the Complaint by writing them into the appropriate lines in the Answer. The Answer will allow you to preserve your rights and will prohibit a default judgment (i.e. you did not show up) from being entered against you. Mimic the paperwork you got when you got sued. Answer all the paragraphs of the Complaint by writing the numbers in lines 1, 2 or 3. Almost 100% of attorneys will deny what is owed because they did not do the calculations and do not know what the basis for the number is... When you file the Answer that is your "not guilty". You have the right to make the person suing you (Plaintiff) prove their case, but you must also answer the complaint truthfully. Make sure you fill in the name and address of the attorney suing you before you bring this paperwork to the Court. Mail it to the attorney suing you right away! Good Luck!
The first thing you need to do if and when you get sued is file an Answer. The summons will tell you that you must "appear" by way of an Answer in 10, 20 or 30 days, "depending on the method of service." PLEASE CHECK THE LAW IN YOUR STATE AS YOU MAY ACTUALLY HAVE TO APPEAR IN COURT, AS IN VIRGINIA, IN ORDER TO AVOID A DEFAULT! You need a lawyer, but if you cannot afford one right away, rather than do nothing and have a judgment entered against you, is to "appear" by filing something! Many people think this means they have to go to Court and this is incorrect. 90% of all lawsuits end in Default Judgments because the defendant (person getting sued) did not file an Answer. I recommend you go to the free form I have on my website. Print it out and fill it out as instructed. You must answer the numbered paragraphs on the Complaint by writing them into the appropriate lines in the Answer. The Answer will allow you to preserve your rights and will prohibit a default judgment (i.e. you did not show up) from being entered against you. Mimic the paperwork you got when you got sued. Answer all the paragraphs of the Complaint by writing the numbers in lines 1, 2 or 3. Almost 100% of attorneys will deny what is owed because they did not do the calculations and do not know what the basis for the number is... When you file the Answer that is your "not guilty". You have the right to make the person suing you (Plaintiff) prove their case, but you must also answer the complaint truthfully. Make sure you fill in the name and address of the attorney suing you before you bring this paperwork to the Court. Mail it to the attorney suing you right away! Good Luck!
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What type of bankruptcy or other legal action might be best for my situation?

David Lawrence Pritchard
Answered by attorney David Lawrence Pritchard
Bankruptcy lawyer at The Pritchard Law Firm
Generally which bankruptcy depends on your overall situation. However, most people in this situation want to file a chapter 7 bankruptcy.  However, without a understanding of your over all situation it is impossible to give good advice.  You really need to visit with a bankruptcy attorney in your area.   If you provide me information on where you live, I can try to recommend someone. David @dlplegal.com      
Generally which bankruptcy depends on your overall situation. However, most people in this situation want to file a chapter 7 bankruptcy.  However, without a understanding of your over all situation it is impossible to give good advice.  You really need to visit with a bankruptcy attorney in your area.   If you provide me information on where you live, I can try to recommend someone. David @dlplegal.com      
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What can I do if I file for a chapter 13 and can't afford to pay the house?

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Answered by attorney Phong Thanh Tran (Unclaimed Profile)
Bankruptcy lawyer at Law Office of Pho Ethan Tran, PLLC
Your income in bankruptcy is determined by averaging your monthly income for the last six months immediately prior to the filing of your petition. If that amount does not accurately reflect your present income, you should consider going back to court to amend your repayment plan. However, if your income is insufficient to make payments the court may convert your case to a Chapter 7.
Your income in bankruptcy is determined by averaging your monthly income for the last six months immediately prior to the filing of your petition. If that amount does not accurately reflect your present income, you should consider going back to court to amend your repayment plan. However, if your income is insufficient to make payments the court may convert your case to a Chapter 7.
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