Our Privacy Policy

We never share your personal information.

Whats New:

BANKRUPTCY 101

5 Top Reasons for Filing Bankruptcy

1. Medical Expenses
A study conducted by Harvard University states that medical expenses account for 62% of all bankruptcy filings. These findings affect insured as well as uninsured filers.
2. Job Loss
with the state of the economy many people are finding themselves either unemployed, facing layoff, early termination or earyl retirement and the fact is most American's can't miss even a single paycheck!
3.Poor/Excess Credit
whatever the reason, many people just a few years ago had perfect credit scores and were managing their debt and then a drastic economic turn occured and these same people are faced with plummeting credit scores, higher interest rates and quite simply the inability to even make minimum payments on their debt. 4.Divorce/Separation
the expenses involved with divorce are astronomical! Faced with mounting legal fees, child support, division of assets and the burden of maintaining 2 households forces many filers into bankruptcy 5.Unexpected Expenses
unfortunatley unexpected expenses are always going to be a reason for bankruptcy filings. Natural disasters such as floods and tornadoes can devestate a family's income. This year Mother Nature has been the cause of millions of dollars of unexpected expenses! It's not just damage to homes, it is the loss of clothing and the basic necessities of life. People have been forced to charge clothing, food and gas just to survive and those charges are catching up with them.

Current News:

DO I QUALIFY FOR A CHAPTER 7 BANKRUPTCY?

The lastest Median Income according to the Census Bureau for the state of Texas is as follows:
1 Person Family: $38,294
2 Person Family: $55,178
3 Person Family: $56,445
4 Person Family: $65,477
Each additional family member increases the income amount by $7,500.
So what does all of this mean? If you make at or below the median income amount you will generally fall into a Chapter 7 Bankruptcy. Of course there are always exceptions but, this information gives provides you with a good rule of thumb.
We are always happy to answer any questions you have over the phone or in a free consultation. The median income can and does change, so we try to keep on top of the these updates and change them accordingly. So check back for the latest.

Recent Events:

FALL IS HERE!!

Fall is near, it is getting darker earlier, holiday's are fast approaching and the Texas Rangers are in the World Series for the 2nd year in a row!!! Don't forget to set your clocks back an hour on November 6, 2011. In Texas we don't get to experience all 4 seasons, but at least we get a break from the heat! We wish you all a happy and safe fall!

Web Site Privacy Information

Steven H. Phelps, P.L.L.C.

Steven H. Phelps, P.L.L.C. recognizes that respecting user privacy over the Internet is of utmost importance. This privacy statement is designed to provide information about the privacy and data collection practices for the site: www.phelpslawfirm.com. The Site is operated by Steven H. Phelps, P.L.L.C.

If you have questions or concerns regarding this statement, you should submit them to questions@phelpslawfirm.com or by postal mail to:

Steven H. Phelps, P.L.L.C.
10,000 N Central Expressway
Ste 850 LB 76
Dallas TX 75231

Identifying Information. In general, you can visit the Site without telling us who you are or providing any information about yourself. In some areas of the Site, we ask you to provide information that will enable us to assist or follow up with you. Generally, Steven H. Phelps, P.L.L.C. requests identifying information when you:

Provide feedback or tell us about an idea or suggestion; or
Request information.

In these instances, Steven H. Phelps, P.L.L.C. will ask for your name, address, e-mail address, phone number and other appropriate information needed to provide you with these services. In all instances, if you receive a newsletter or other mailing from us, you will always be able to "unsubscribe" to these mailings at any time.

What Steven H. Phelps, P.L.L.C. will Do With Your Information. If you choose to give us personal information for any of the purposes above, this information is retained by Steven H. Phelps, P.L.L.C. and will only be used by Steven H. Phelps, P.L.L.C. to support your client relationship with us. We will not add you to a mailing list, or newsletter without your registration for this service. We will only contact you if further information is required from you to complete a service.

What Others May Do With Your Information. Steven H. Phelps, P.L.L.C. does not share, rent, or sell any personally identifying information provided through our Site (such as your name or email address) to any outside organization for use in its marketing or solicitations. From time to time Steven H. Phelps, P.L.L.C. may use agents or contractors who will have access to your personal information to perform services for Steven H. Phelps, P.L.L.C.(such as database maintenance), however, they are required by us to keep the information confidential and may not use it for any purpose other than to carry out the services for Steven H. Phelps, P.L.L.C.

Third Party Links

www.phelpslawfirm.com does provide links to other sites. Other Internet sites and services have separate privacy and data collection practices. Once you leave www.phelpslawfirm.com, Steven H. Phelps, P.L.L.C. cannot control, and has no responsibility for, the privacy policies or data collection activities at another site.

Cookies

At times, we will use a feature on your web browser to send your computer a "cookie". We do not use cookies to retrieve any personal information from your computer. We only use cookies to learn ways to enhance our Sites, and to give you better, more personalized service while in our web site. You can reset your browser to refuse all cookies or indicate when a cookie is sent. However, some functions of the Sites will not function if you refuse cookies. These areas of our web site will have information posted about cookies, and when a cookie will be uploaded to your computer.

Children's Privacy Protection

Steven H. Phelps, P.L.L.C.is sensitive to the heightened need to protect the privacy of children under the age of 13. None of the material on our web site is intended for children and is not targeted to children under the age of 13. We do not knowingly collect data from children and, if we learn that we have received personal data from a child, we will remove this information from our database.

Changes to this Policy

Steven H. Phelps, P.L.L.C. may from time to time revise its privacy policy. You should therefore periodically visit this page, so you are aware of any such revisions. We will not, however, use your existing information in a manner not previously disclosed. You will be advised and have the opportunity to opt out of any new use of your information.

Contacting Us. If you have any questions about our privacy policy and/or the practices of our web site, you can write to: