Can HOA Fees be Discharged in BK?

It is not uncommon for homeowners who file for bankruptcy also have past due HOA fees or even a lien on their property. Many homeowners also complain how stubborn and inflexible the Home Owners Association (HOA) Board of Directors and the HOA attorney are with any type of payment arrangements. When you file for bankruptcy, an automatic stay will be put into place and any collection effort by the HOA needs to stop. That includes HOA liens as well.

If you file a Chapter 13 bankruptcy, all past due HOA fees will be included in your repayment plan. For those who file a Chapter 7 bankruptcy the process is a bit more complicated. The HOA fees may be turned into unsecured debt which may mean you will not have to repay most or any of the HOA past due fees.

Although most HOA liens do survive bankruptcy you can avoid losing your home through foreclosure by overzealous HOAs when you file for bankruptcy. It is advisable to consult with an attorney when dealing with HOAs as most are very aggressive and inflexible regarding HOA fees and placing a lien on your home.

If you are a resident of Fort Worth, Dallas, Arlington, Garland, Rowlett, Mesquite and Plano, contact Dallas bankruptcy law firm, Fears | Nachawati, toll free at 1.866.705.7584 or for more information on stopping HOA in their tracks through bankruptcy.


Writer On Retainer Division (W.O.R.D)

39047gwug1mob72In order to save clients money and time, I created the Writer On Retainer Division (W.O.R.D) program. The program is designed to have a writer on a monthly retainer for a fee for a pre-determined number of articles or other content. It’s easy to sign up and it saves clients time and money.

Here’s how it works:

For a fee, a client is entitled to a number of article, press releases or other content per month. For example, for a fee of $300 you are entitled to receive up to (10) 450-500 words articles per month. This is a savings of $100 versus paying $40 per article.

The W.O.R.D. program works on a monthly calendar. You can sign up for it anytime, but the program starts on first day of the month and ends on the last day of the same month. A client has until the end of the month to request articles. In order to produce quality content, some last minute requests, such as requesting all 10 articles at the end of the month may require additional time.

Here’s why it works:

The W.O.R.D. program works because it saves a client time and money. In addition to the discount received in paying for content in bulk ahead of time, think of how much time you will save looking for a quality writer who knows your product or service. Most clients receive hundreds of inquiries when they post a writing assignment. The W.O.R.D. program saves you the time from looking through mostly unqualified writers. You just email me the number of articles needed and the information for the article such as keywords and the deadline.

Get started today!

Getting started is easy, much easier than combing through tons of emails from inexperienced writers. You can sign up at

Please see samples rates below. Have additional questions or need content not listed?

Contact me today at

I invoice through PayPal.


  • Article (400-500 words) $300
  • Webpage (400-500 words) $300
  • Legal Article (400-500 words) $300
  • Medical Article (400-500 words) $350
  • Press Release $1,000


During a traffic stop in the State of Virginia an officer will observe driver for signs of drinking and driving. If the officer suspects a driver of drinking and driving, he will observe actions by the driver such as:

  • Difficulty with motor vehicle controls
  • Hard time getting out of the vehicle
  • Fumbling with driver’s license or registration
  • Repeating questions or comments
  • Leaning on the vehicle or other object
  • Slurred, slow or fast speech
  • Slow to answer officer
  • Gives incorrect information or changes answers

If the officer sees any of these signs, the officer may ask a driver to perform field sobriety tests to judge if a person is impaired while driving. Typical field sobriety tests in the State of Virginia include:

  • An officer will ask driver to stand on one foot at a time. Officer will be looking for swaying, hopping, putting the foot down, body shakes or muscle tension.
  • An officer places a pen, 12 inches away from the driver’s face, and moves the object side to side while watching the driver’s eyes. The officer is looking for involuntary jerking or trembling of the driver’s eyes.
  • In The Rhomberg Balance test the driver is asked to tilt his or her head back, close his/her eyes and count 30 seconds silently. An officer looks for the inability to stand steady, opening eyes to maintain balance, swaying or muscle tension.
  • In a walk and turn the driver takes “heel-to-toe” steps in line then turns and takes the same number of “heel-to-toe” steps back. An officer is checking whether the individual can balance, follow instructions, start and stop when told.
  • The finger to nose test requires an individual to close one’s eyes, stand straight with feet together and touch index finger to nose. The officer is looking for swaying or tremors, eyelid tremors or muscle tension.

Other field sobriety tests in the State of Virginia include walk in a straight line, touch each finger, one after the other, to thumb, count backwards or recite or sing the alphabet.

An officer is also trained to look for:

  • Blood shot eyes. This may indicate heavy drinking by a driver.
  • Smell of alcohol. The officer is trained to smell to identify the odor of alcohol on a driver’s breath or clothes to determine if a person is drinking and driving.
  • Open containers of alcohol. An officer will also look for open container of alcohol.

If contents in a container have been partially removed, an officer may charge the driver with drinking and driving.

When these signs are present, an officer will perform a breathalyzer. Drivers who fail the breathalyzer test will be arrested for DUI. It is illegal in the State of Virginia to drive with a blood alcohol concentration (BAC) of .08 or above. The .08 percent limit is the benchmark for the “impaired” driver throughout the United States. In the State of Virginia, the BAC limit is lower for commercial drivers (.04) and drivers under the age of 21 (.02). Additionally, refusal to a chemical test can lead to license suspension and arrest.

A DUI arrest is not a conviction

For most drivers, a traffic stop is a minor inconvenience and a ticket, but for those drivers who were drinking while driving, it may lead to a license suspension, car impoundment and even an arrest. If you are facing a DUI charge in Virginia, Damon will help protect your rights during your DUI case with an aggressive DUI defense strategy. Call today for a FREE analysis of your case at 866-994-1455.

Hit the Reset Button with Chapter 7 Bankruptcy

Just as the title implies, filing for Chapter 7 is like hitting the reset button on your favorite electronic device. Everything disappears. After your Chapter 7 is discharged, you end up erasing the debt that was once there. In order to qualify for a Chapter 7 bankruptcy in the Fort Worth/Dallas region, you must:

  1. File a Chapter 7 petition.
  2. Pay your filing fee to the court clerk. There are waivers available for some applicants.
  3. Take a credit-counseling course approved by the bankruptcy court within 6 months of filing for Chapter 7.

While the initial process seems simple enough, the petition contains many forms that require a strong understanding of bankruptcy law. The court clerk cannot help you fill

out the forms. Once the forms are filled out appropriately and submitted to the bankruptcy court, an automatic stay is put in place that will immediately halt all collections efforts from creditors. This mean they will no longer be able to make harassing phone calls or place liens on your assets. In some cases, liens already in place can also be reversed.

Once your Chapter 7 bankruptcy is discharged, you are basically starting over with a clean slate. The debts are erased and you will no longer be held liable to pay them.

For more detailed information how Chapter 7 can help you start over debt free, contact Dallas bankruptcy law firm, Fears | Nachawati, toll free at 1.866.705.7584 or

5 Simple Steps to an Awesome Resume’

Even the best writers need a little help now and then writing about themselves. The hardest part of writing a resume’ is knowing where to start. A resume’ is a tell-tale of what you have accomplished. You will need to show enthusiasm yet maintain professionalism. As an experienced Human Resources professional I have reviewed thousands of resumes’. Everything from the good to the bad and even the ugly. The following steps should help get you started on the right track to getting that job!

  1. Write or type out a rough draft of your past jobs, education and special skills. Remember to include volunteer work as well. Your rough draft should list all the tasks and duties performed at every job held. Each job should contain a 2-line summary describing your title and main duties. It should be followed with 3-4 single line descriptions in a bulleted format. Follow the old writer’s rule-no more than 10 words per sentence. A professional resume’ is clear and easy to follow.
  1. Tailor your resume’ to job description, if possible. Highlight matching skills and keywords but be honest! Most employers conduct background searches. In the last 3 years, I have noticed an increase in the use of background search firms by companies. Do not jeopardize your status now or in the future by creating a fictional resume’.
  1. Make sure your resume’ is grammatically correct–without typos! If you are not a strong writer hire a resume’ writer. They usually do not charge much to review your resume’. Use the same size font throughout the text in your resume’. The only exception is your name which should be a few fonts larger. You want the hiring staff to remember your name, right? Use only one physical address, phone number and email address. And be sure to use correct contact information to make sure you get a response.
  1. Use plain white or beige stationary to create a professional resume’. Keep resume’ to two pages maximum. Do not use personal or flowery stationary. Same rule applies to the use of silly fonts, pictures or graphics on your resume’. You want your qualifications to stand out not the pink butterfly stationary. And yes, I have seen a resume’ on such stationary. And no, it probably will not get you the job. Keep it simple!
  1. On a final note do not add references to your resume’, age yourself by adding dates to educational information or include memberships or hobbies that are irrelevant to position. References should be supplied on a separate reference sheet.

Finally, remember to add a cover letter to highlight skills that could not fit in your 1-2 page resume’. Please keep in mind that your resume’ is the first impression you are making to the recruiter or hiring manager. You want to make sure that you impress them with your skills in a professional resume’. Most recruiters spend about 1 or 2 minutes reading each resume’. You have one shot at impressing them. Make sure you give it your best!

Denton Law Firm PLLC —Tulsa DUI Defense Attorneys

Denton Law Firm PLLC —Tulsa DUI Defense Attorneys

Your best defense in a DUI arrest

Being arrested for drinking and driving or driving under the influence (DUI) can be scary and extremely stressful. You probably have many questions about how a DUI arrest will affect your job, family and future. During this time it is important to understand your rights and who can help you protect them. You will also need to understand your responsibilities so that you can avoid additional penalties.

The DUI defense team at Denton Law Firm PLLC has represented over 1,000 cases. We will work hard to investigate and defend your case. Our DUI Defense Attorneys can answer your questions and help you understand the potential outcomes in your DUI case.

Call (918) 221-3955 immediately to help protect your rights.

Tulsa DUI & You: What you need to know

In the state of Oklahoma you can be arrested for DUI if you are found to have 0.08 Blood          Alcohol Content (BAC) in your system. Your vehicle will be impounded and you will be arrested. You will also be given a citation to appear in court. You will need legal help in defending yourself against a DUI arrest.

For more information about DUI in Tulsa visit

Contact us today to help you defend your DUI case (918) 221-3955.

What to expect after a DUI arrest in Tulsa

There are a few steps that you will have to get through in your Tulsa DUI case. The first step is the initial DUI arrest. The circumstances and tests administered at the time of the arrest for drinking and driving can affect the outcome of your case. Fortunately, an experienced DUI defense attorney can help you challenge some of the test results such as faulty breathalyzer results and field sobriety tests:

  • One-leg stand (OLS)
  • Walk-and-turn (WAT)
  • Horizontal gaze nystagmus (HGN) (eye jerking)

The second step involves action by the Oklahoma DMV. At the time of arrest for DUI, your license was confiscated and you may have received a temporary license by the arresting officer. These temporary licenses are typically valid for about a week. You will need to attend a DMV hearing to get your driving privileges reinstated.

We will represent you with a thorough defense against DUI including aggressive challenges of any field sobriety test result.

If you have any questions about the field sobriety tests used to determine your DUI case, please

call us to speak with our DUI defense attorneys at (918) 221-3955.

Who to contact if you are arrested for DUI in Tulsa

It is important to contact a skilled Tulsa area DUI defense attorney as soon as possible. Time is of essence in properly defending your Tulsa DUI case. The DUI defense team at Denton Law Firm PLLC includes a former prosecutor. We know how to challenge a prosecutor’s DUI case against you.

Contact Denton Law Firm PLLC today at (918) 221-3955 to get the help you need to defend your DUI case.

How to End the Vicious Downward Cycle of Credit Card Debt Once and For All

Many people who are in over their heads with credit card debt are basically “Robbing Peter to pay Paul.” For example, many people who are out of work may be taking large cash advances to pay other debts. But in the end the credit card bill with the cash advance shows up and there is not enough money to pay it, so another credit card is used to pay that bill. It’s a merry go round that is very difficult to get off.

Many Dallas residents end up going through their savings account and putting themselves in heavy debt without realizing that they have a perfectly legal option such as filing for Chapter 7 bankruptcy. Some of the advantages of filing for a Chapter 7 bankruptcy:

  • You do not have to make payments to creditors
  • Creditors can not take action against you (liens on paycheck or bank account)
  • Harassing phone calls must stop immediately
  • All debts will be discharged

If you are a resident of Fort Worth, Dallas, Arlington, Garland, Rowlett, Mesquite and Plano, contact Dallas bankruptcy law firm, Fears | Nachawati, toll free at 1.866.705.7584 or for more information how Chapter 7 can help you get a fresh start.