ABOUT
Stephan D. Hwang
ATTORNEY
Stephan D. Hwang
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Experienced Texas Real Estate & Litigation Attorney
Stephan D. Hwang is the latest member of WG Title and Law. He has title experience since 2003 and litigation experience since 2007. Mr. Hwang has closed real estate transactions and asset and interest-only deals. His litigation experience includes real estate, commercial, and employment matters. He is licensed in Texas and is accepted to the Federal Bar for the Courts in the Northern and Eastern Districts as well as their respective Bankruptcy Courts. Mr. Hwang has argued before the Fifth District Court of Appeals in Dallas, where he interned during law school at the Dedman School of Law at SMU. He is married to his wife, Sue, and has four children. Outside of his legal career, Mr. Hwang enjoys his family, outdoor activities, and plays keys at his church.
Legal Expert in Texas Real Estate, Business, and Commercial Litigation
Stephan D. Hwang is a skilled litigator serving clients throughout the State of Texas. As an attorney with Willingham Law Firm, P.C., he focuses his practice on commercial law, business law, and real estate litigation, representing individuals and businesses in complex disputes.
In addition to litigation, Mr. Hwang provides strategic legal counsel for business transactions, including asset and stock transfers that do not fall under SEC regulations. His comprehensive approach ensures that clients receive sound legal guidance tailored to their business needs.
Mr. Hwang is admitted to practice before the United States District Courts for the Northern and Eastern Districts of Texas, as well as their bankruptcy courts. He is equipped to handle Chapter 7 and Chapter 13 bankruptcies, offering clients the legal support they need when navigating financial challenges.
With a deep understanding of the legal landscape and a commitment to achieving results, Mr. Hwang is dedicated to protecting his clients’ interests both in and out of the courtroom.
Chapter 7 Bankruptcy Attorney in McKinney, Texas
Led by Stephen Hwang
Overview
Chapter 7 offers a court supervised path to eliminate most unsecured debt and halt collection activity through a discharge order. United States Court
Debts Commonly Discharged
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Credit card balances
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Medical bills
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Personal and payday loans Investopedia
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Past-due utilities and lease deficiencies
Debts That Remain
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Domestic support obligations
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Recent income taxes
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Most student loans
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Criminal fines and restitution MarketWatch
Asset Protection With Texas Exemptions
Texas allows an unlimited homestead exemption on property meeting size limits, plus generous protections for vehicles, retirement accounts, household goods, and tools of the trade. NoloNolo
Eligibility Checklist
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Income below Texas median or you pass the Means Test.
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No Chapter 7 discharge in the past eight years.
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Predominantly unsecured debt.
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Complete required credit counseling.
Most cases move from filing to discharge in roughly 90 days. www2.cacb.uscourts.gov
Six-Step Process
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Confidential Consultation – Full review of debts, assets, and goals.
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Petition Preparation – Accurate schedules and exemption planning.
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Filing & Automatic Stay – Creditors must stop lawsuits, garnishments, and calls. cacb.uscourts.gov
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341 Meeting of Creditors – Brief trustee meeting; Stephen attends and prepares you.
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Trustee Review – Verification of assets and exemptions.
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Discharge Order – Court permanently eliminates qualifying debts.
Life After Discharge
Clients often see credit score recovery within a year and may qualify for an FHA-insured mortgage two years after discharge if other requirements are met. answers.hud.gov
Why Choose WG Law and Stephen Hwang
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Local practice focused on the Northern and Eastern Districts of Texas.
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Individualized exemption strategy to protect homes and retirement funds.
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Coordination with the firm’s estate planning and real estate teams for holistic protection.
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Flat-fee representation with transparent costs.
Frequently Asked Questions
Most homeowners keep their primary residence by using the Texas homestead exemption.
It appears for ten years, but rebuilding begins immediately after discharge.
If equity fits within exemption limits or you reaffirm the loan, you usually keep your vehicle.
EVERY CASE DESERVES CARE & ATTENTION
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