PAMELA L. STEWART - Houston Consumer Bankruptcy Attorney

My name is Pam Stewart. I am a Consumer Bankruptcy Lawyer and current president of the Houston Association of Consumer Bankruptcy Attorneys. I have been practicing in the Houston area for more than fifteen years. I am not licensed to practice law in any other state. If you are in need of an attorney from another state, please visit the National Association of Consumer Bankruptcy Attorneys website, to find an attorney in that state.

If you are experiencing debt problems, including too much credit card debt, collection agency harassment, lawsuits, judgments, foreclosure, repossession or IRS tax problems, you may need to consult a lawyer such as myself and consider filing some type of bankruptcy case to end the harassment and get a fresh financial start in life.

The New Bankruptcy Laws went into effect on October 17, 2005 but bankruptcy relief is still available! If you are interested in possibly filing a bankruptcy case, please call my office at 713-622-3893 or CLICK HERE to E-mail us to make an appointment to meet with me to review your situation. The consultation is free for residents of Houston and Victoria, Texas and their surrounding areas and is strictly confidential. *WE NOW HAVE A NEW LOCATION IN VICTORIA, TEXAS! Please call our Victoria Office at 361-576-1779*

There is a LOT of misinformation floating around regarding the new bankruptcy laws. Don’t believe the negative rumors. Relief is still available under Chapter 7, Chapter 13, and even Chapter 11 for individuals and businesses. There are more eligibility requirements before you file bankruptcy and more documentation requirements after you file (declare) bankruptcy, but bankruptcy is still available.

I am required to inform you under BAPCPA that my office is a federally-designated debt relief agency assisting residents of Houston, Texas and its surrounding areas since 1993.

See RECENT COMMENTS from my clients, past and present. “Wisdom is knowledge applied.” - Dave Ramsey, Author of Financial Peace.

As quoted from The New York Times:

Lawyers for a lender withdrew motions to begin foreclosure after John and Robin Atchley proved them wrong.

Pamela L. Stewart, president of the Houston Association of Debtor Attorneys, said she has become skeptical of lenders’ claims of fees owed. “I want to see documents that back up where these numbers are coming from,” Ms. Stewart said. “To me, they’re pulled out of the air.”

BUSINESS | March 30, 2008
Click below to read the whole article:
Foreclosure Machine Thrives on Woes
By GRETCHEN MORGENSON and JONATHAN D. GLATER

This chart illustrates how long it would take you to pay off typical credit card balances if you only make the minimum monthly payment. This example assumes a 2.5% minimum percentage payment, and an absolute minimum payment requirement of $10.00 per month at an interest rate of 17%.

CREDIT CARD COMPANIES DON’T WANT YOU TO KNOW THIS INFORMATION!

Credit card companies want you to continue to use your credit cards and make minimum payments. This is how they make their money.

Home buyers considering different mortgage products can now use an online mortgage calculator to compare the monthly payments and equity buildup of different loan products, thanks to the Federal Reserve Board. “We have created a tool that will allow consumers to look ahead to see how much equity they will build and what their mortgage payments will be three, five, seven, or 10 years down the road with different mortgage products,” Governor Randall Kroszner said.

The calculator can be used on 30-year and 15-year fixed-rate mortgages, interest-only fixed-rate mortgages, adjustable-rate mortgages, interest-only ARMs, and payment-option ARMs. “These comparisons should encourage more consumers to shop around and compare mortgage offers,” the governor said. The Mortgage Comparison Calculator is available here.

CLICK HERE to e-mail us with any questions, concerns, and/or comments.

PAMELA L. STEWART
Attorney at Law
4635 Southwest Freeway, Suite 610
Houston, Texas 77027
Telephone: 713-622-3893; Facsimile: 713-622-7908
E-Mail: pam@plstewart.com

Victoria location:
5606 N. Navarro, Ste 200
Victoria, Texas 77904
Telephone: 361-576-1779
CLICK HERE to make an appointment at our Victoria office.