Secure the financial future of your loved ones with an estate plan. Attorney, Troy Blackwell, will get to know you and your situation and help you make the right choice. The viewing of this material does not establish an attorney-client relationship. The material on this web-site is general in nature and is provided for informational purposes only.
None of this information is intended, nor should it be construed as legal advice. For legal advice and assistance, please speak with a licensed legal professional. Troy Blackwell is licensed by the Supreme Court of Texas, but not certified by the Texas Board of Legal Specialization, nor is he licensed to practice law in any other states. This site and the information contained herein may constitute advertising as defined by the Texas Disciplinary Rules of Professional Conduct.
The Blackwell Law Firm LLP is not responsible for the content on any linked-sites and/or off-sites.
None of this information is intended, nor should it be construed as legal advice. For legal advice and assistance, please speak with a licensed legal professional. Troy Blackwell is licensed by the Supreme Court of Texas, but not certified by the Texas Board of Legal Specialization, nor is he licensed to practice law in any other states. This site and the information contained herein may constitute advertising as defined by the Texas Disciplinary Rules of Professional Conduct.
The Blackwell Law Firm LLP is not responsible for the content on any linked-sites and/or off-sites.
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Areas of Practice
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If find yourself falling further and further behind on your bills, drowning in a sea of debt, you are not alone.
Currently, the minimum monthly payment charged by most credit card companies is based on 2% to 3% of the outstanding balance.
The average interest rate on credit card debt according to the Federal Reserve for the summer of 2017 was 12.77%.
By paying only the minimum amount each month at the average rate of 12.75%, it would take a debtor 18 years to pay off a $4,000 credit card balance.
Currently, the minimum monthly payment charged by most credit card companies is based on 2% to 3% of the outstanding balance.
The average interest rate on credit card debt according to the Federal Reserve for the summer of 2017 was 12.77%.
By paying only the minimum amount each month at the average rate of 12.75%, it would take a debtor 18 years to pay off a $4,000 credit card balance.
Chapter 13 Bankruptcy
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If you are overwhelmed by debt and feel that you are falling further and further behind, you are not alone.
Fortunately, HELP IS AVAILABLE to take charge of your financial life.
Under Federal Law (Title 11, United States Code, Chapter 13, Sections 1301 - 1330) an individual with regular wages can consolidate debt into one monthly payment, reorganize their financial affairs, and repay creditors while taking care of their family's needs, first.
Payments to creditors in Chapter 13 are based on the difference between debtor's average take-home earnings and their average monthly expenses, -- what the law considers a debtor's "disposable income" - even if a debtor can only afford to repay a portion of their debt.
Fortunately, HELP IS AVAILABLE to take charge of your financial life.
Under Federal Law (Title 11, United States Code, Chapter 13, Sections 1301 - 1330) an individual with regular wages can consolidate debt into one monthly payment, reorganize their financial affairs, and repay creditors while taking care of their family's needs, first.
Payments to creditors in Chapter 13 are based on the difference between debtor's average take-home earnings and their average monthly expenses, -- what the law considers a debtor's "disposable income" - even if a debtor can only afford to repay a portion of their debt.
Debt Management
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Establish a household budget.
Plan ahead, control impulse spending, and stick to the budget.
The budget must be realistic and account for expenses which do not occur each month.
Budget advice is available from most county extension agents, from most churches, and from non-profits like the United Way.
List all debts and all assets.
You need to know your overall financial situation and a personal financial statement listing the value of assets and the amount of debt is a must.
Too many people only look at the minimum required to service their debt and not at the bottom line amount.
Plan ahead, control impulse spending, and stick to the budget.
The budget must be realistic and account for expenses which do not occur each month.
Budget advice is available from most county extension agents, from most churches, and from non-profits like the United Way.
List all debts and all assets.
You need to know your overall financial situation and a personal financial statement listing the value of assets and the amount of debt is a must.
Too many people only look at the minimum required to service their debt and not at the bottom line amount.
Wills & Estates
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The death of a loved one is a time of loss and mourning.
Along with the grieving process, those left behind must also deal with the financial affairs and property issues of the deceased.
Why complicate things for your loved ones after your death?
At the Blackwell Law Firm, we believe that everyone should have a will that spells out their testamentary intentions.
At it simplest, a will should state who shall manage the affairs of the estate, how bills are to be paid, and how property shall be distributed.
Along with the grieving process, those left behind must also deal with the financial affairs and property issues of the deceased.
Why complicate things for your loved ones after your death?
At the Blackwell Law Firm, we believe that everyone should have a will that spells out their testamentary intentions.
At it simplest, a will should state who shall manage the affairs of the estate, how bills are to be paid, and how property shall be distributed.
Traffic Ticket
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Welcome to the Blackwell Law Firm LLP TRAFFIC TICKET page.
While most drivers in the Texas Panhandle are safe and courteous drivers, even the safest of drivers sometimes get a heavy foot driving through our wide-open spaces.
The fact is, even good drivers occasionally get tickets.
What are you to do if you get a ticket?
Can an attorney help?
The goal of the Blackwell Law Firm LLP is to prevent one bad driving incident from adversely affecting someone's good driving history.
We will aggressively represent the rights of our clients, providing them with legal options to deal with an unfortunate situation.
While most drivers in the Texas Panhandle are safe and courteous drivers, even the safest of drivers sometimes get a heavy foot driving through our wide-open spaces.
The fact is, even good drivers occasionally get tickets.
What are you to do if you get a ticket?
Can an attorney help?
The goal of the Blackwell Law Firm LLP is to prevent one bad driving incident from adversely affecting someone's good driving history.
We will aggressively represent the rights of our clients, providing them with legal options to deal with an unfortunate situation.
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