Credit Card Debt Attorneys

Credit card debt can grow quickly and become difficult to control. Missed payments and rising interest often lead to lawsuits, collection activity, and long-term financial strain.

At Bankruptcy Texas, we help individuals across the state eliminate or restructure unsecured debt through Chapter 7 and Chapter 13 bankruptcy. Our attorneys provide straightforward guidance so you can understand your rights, protect your assets, and take the next step toward financial recovery.

Texas Credit Card Debt Laws

Texas offers several guardrails for people dealing with unsecured debt. Creditors have four years to sue on most credit card balances, counting from the date of the last payment or purchase. After that window closes, a lawsuit is barred, though collectors may still try to coax payment.

When a lawsuit is filed within that four-year span, the creditor must serve you with a citation and petition. If you are not served properly, the case can be tossed. Even when service is correct, the creditor still has to prove the amount owed and that it owns the account.

Common defenses include challenging the service, questioning the chain of assignment, and disputing inflated fees. We evaluate each of these angles before recommending the next step.

How We Assist Clients Facing Credit Card Debt

We take time to understand your finances, then explain your best path forward based on the law.

Comprehensive Debt Evaluation

First, we review your income, expenses, assets, and every debt on your list. This meeting gives you space to talk about goals like keeping a home or stopping a lawsuit. By the end, you know where you stand and what options fit.

Chapter 7 Bankruptcy Assistance

Chapter 7 wipes out most unsecured debt, including credit card balances, in roughly three to five months. To qualify, you must pass a means test that compares your income to the Texas median for your household size. If you pass, many everyday items are protected by state or federal exemptions, letting you keep necessities while shedding debt.

Key points before filing include:

• Stopping credit use right away to avoid accusations of recent “luxury” spending
• Gathering pay stubs, tax returns, and a full list of creditors
• Completing required credit counseling

We prepare and file every form, attend the trustee meeting with you, and answer creditor questions so the case moves quickly.

Chapter 13 Bankruptcy Representation

If your income is too high for Chapter 7 or you are behind on a mortgage or car note, Chapter 13 may be the better fit. You keep the property while paying a portion of the debt through a three-to-five-year plan supervised by the court. Credit card balances often receive pennies on the dollar or nothing at all in the plan, and whatever remains is discharged at the finish line.

We draft a budget you can live with, negotiate with creditors, and file objections when a claim looks wrong. Regular check-ins help you stay on track until the final discharge.

The 3 Steps to a 720 Credit Score Program

Beyond just debt relief, we help you rebuild your financial future. Our unique 3 Steps to 720 Credit Score program is a powerful credit score rebuilding program that will greatly accelerate your financial recovery after bankruptcy. It’s designed to help you restore your credit score to 720 or higher within two years or less, all while developing a plan to safeguard your financial security. Best of all, this program is included with your bankruptcy case at no additional charge.

Benefits of Choosing Bankruptcy Texas

Debt relief is more than paperwork. It is about respect, honesty, and a clear path forward. Clients choose us because:

1. We focus only on bankruptcy and debt matters, giving you dedicated attention.
2. Calls and emails are returned promptly, so you never feel left in the dark.
3. Payment plans fit real budgets, making legal help reachable when money is tight.

Our team treats every person with courtesy, never blames, and works until the last loose end is tied up.

Questions About Credit Card Debt and Bankruptcy

The following answers cover concerns we hear most often. If you need more details, just ask.

Will bankruptcy stop credit card lawsuits?

Yes. The moment we file your bankruptcy petition, an automatic stay takes effect. Lawsuits, garnishments, and collection calls must pause. This break gives you time to complete the bankruptcy process without court deadlines hanging over you.

What happens to my assets in bankruptcy?

Texas offers generous exemptions. Most filers keep household goods, retirement funds, and often their home and car, up to certain value caps. We walk through each item you own, choose the best exemption scheme, and file the schedules so your property stays protected.

How will bankruptcy affect my credit score?

Your score may dip at first, yet many clients see improvement within a year because old balances report as zero. We provide tips such as using a secured card, paying on time, and keeping balances low to rebuild faster.

Get Relief from Credit Card Debt Today

Bankruptcy Texas provides trusted guidance to individuals and families across the state. If you are facing lawsuits, wage garnishment, or growing credit card debt, we are ready to help you understand your rights and options.

Call 817-338-1100 or visit our Contact Us page to schedule a private consultation. One conversation can give you the clarity you need to move forward with confidence.