Skip to main content
Theodore Lyons Araujo
Avvo
Pro

Theodore Araujo’s Legal Guides

34 total

  • How do I get Paid Damages in a successful FDCPA Case?

    Statutory Damages The Fair Debt Collection Practices Act ("FDCPA") is a complicated law that is supposed to protect individuals from harassing collection activity. Part of the enforcement mechaanism

    Read more 

  • When should I dismiss my Chapter 13 Bankruptcy?

    Change of Circumstances? The first part of the analysis is why are we here? What is it about the Plan that the Debtor cannot adhere to, or what about the Plan does not get the Debtor to where they w

    Read more 

  • What happens when my wages are garnished?

    This guide walks you through what the wage garnishment process will mean for you and also explains federal law on the subject.

    Read more 

  • What happens if I file Bankruptcy without an attorney?

    I looked and I cannot afford anyone! Bankruptcy is very complicated or relatively simple depending on your assets, income and personal financial history. A lawyer should always be used because the l

    Read more 

  • Is Income Tax Debt Dischargeable in Bankruptcy?

    The Basic Test. Income Taxes are (possibly) dischargeable in bankruptcy if they are for taxes that became due for tax years greater than three (3) years ago; the tax return was filed at least two (20

    Read more 

  • What happens to an inheritance when I file bankruptcy?

    What is an inheritance? An inheritance that has not yet been received but the individual is deceased is property to which you have a right but which has not yet been collected. When you filed the ba

    Read more 

  • Judgments and Bankruptcy

    What is a Judgment? A Judgment is a court order that is filed in the county where the lawsuit is brought that states that the person who sued you (whether you knew about it or not) has won a lawsuit

    Read more 

  • Keeping Property When Filing Bankruptcy

    What type of bankruptcy should I file when I want to keep property? There are two types of Bankruptcy for most individuals. Chapter 7 (liquidation) and Chapter 13 (payments are made to a Chapter 13

    Read more 

  • Credit Report Scores

    If your credit score seems mysterious to you, you're not alone. Many people aren't sure what affects their score, or how much certain issues will impact it. This guide will help take some of the mystery out of your credit score.

    Read more 

  • My Landlord is in Foreclosure or Bankruptcy. What should I do?

    What should I do with the Notice? Keep the notice. You are listed in the papers because you have a cliam to possession of the property (tennant) and you have rights. Call the landlord. Your first co

    Read more