Lubbock Bankruptcy Attorney
Debt can feel isolating, especially in a town where people take pride in handling things on their own. Falling behind on bills does not mean you have failed. Creditor calls, lawsuits, and frozen bank accounts can wear anyone down. Federal law gives you a way out, and a Lubbock bankruptcy attorney can walk you through every step. At Bankruptcy Texas, we focus on one area of law: bankruptcy. Our attorneys help West Texas families wipe out qualifying debt through Chapter 7 and start fresh.
Our Lubbock office is at 13037 Quaker Avenue, Suite 1100, Lubbock, TX 79423. Every free consultation is with a real attorney from day one, not a salesperson or intake coordinator. Robin McCarty and Bria Larson can review your finances and explain your options before you decide anything.
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No cost. No Pressure. Just honest answers about your financial options
Why Lubbock Families Choose Bankruptcy Texas
Filing for bankruptcy is one of the most important financial decisions you will ever make. Who you work with matters. Here is what sets our firm apart for Lubbock residents.
Bankruptcy Is All We Do
Bankruptcy Texas handles bankruptcy and nothing else. That singular focus means we stay current on Northern District of Texas court rules, local trustee expectations, and the exemption strategies that protect what matters most to West Texas families.
A Local Office in Lubbock
You should not have to drive hours for quality bankruptcy representation. Our Lubbock office at 13037 Quaker Avenue, Suite 1100 is conveniently located along the Quaker Avenue corridor in southwest Lubbock, making it easy to reach from anywhere in the city or the surrounding area.
Experienced Attorneys Who Know Texas Law
Our founding attorney, Robin McCarty, brings more than 30 years of legal experience to every case. Robin previously served as a Texas Peace Officer and prosecutor, giving him a deep understanding of how the legal system works from every angle. Together with attorney Bria Larson, our team has the knowledge and courtroom experience to handle straightforward filings and complex financial situations alike.
220+ Five-Star Reviews
Clients across our four Texas offices have left more than 220 five-star reviews on Google. We built that reputation on clear communication and honest advice. Read their stories on our reviews page. Lubbock clients share their own experiences on our Google listing.
Chapter 7: Is It Right for You?
Chapter 7 helps Lubbock families wipe out debt and start over, often in just a few months. Here is how it works and who qualifies.
How Chapter 7 Works
Chapter 7 is often called "liquidation" bankruptcy, though most people who file do not lose any property. It wipes out qualifying unsecured debts like credit cards, medical bills, and personal loans. Many cases are completed in three to four months.
Who Qualifies
Who qualifies for Chapter 7 in Texas depends mostly on income. If your household income is below the Texas median for your family size, you likely pass the means test. Earning more does not automatically rule you out.
Texas Bankruptcy Exemptions: What Lubbock Families Can Keep
Many people worry about losing their property when they file. Texas has some of the most generous exemptions in the country. Lubbock residents also benefit from rural acreage rules for property outside city limits.
Homestead Exemption
Texas protects the equity in your primary home with no dollar limit in most cases. If your home sits within city limits, the exemption covers up to 10 acres. For rural property, families can protect up to 200 acres and single adults up to 100 acres. This is one of the strongest homestead protections in the nation. A federal cap may apply if you bought the home within about 40 months of filing.
Vehicle Exemption
Texas protects one motor vehicle for each licensed driver in your household. The vehicle's equity counts toward your personal property limit below, so in most cases your truck stays with you.
Personal Property
You can protect up to $50,000 in personal property as a single filer or $100,000 for a family. This limit covers home furnishings, clothing, your vehicles, and the farm and ranch property below.
Farm and Ranch Property
Many South Plains families earn a living from the land. Texas law lets you keep farming and ranching vehicles and implements, along with the tools and equipment you use for work. Livestock is covered too: up to two horses, mules, or donkeys with a saddle, blanket, and bridle for each, 12 head of cattle, 60 head of other livestock, and 120 fowl.
These items count toward the personal property limit above. Our attorneys can add up your equipment and animals with you before you file.
Retirement Accounts
Tax-qualified retirement plans are generally exempt, including 401(k)s, IRAs, pensions, and profit-sharing plans. In most cases, your retirement savings stay protected.
Want to learn more? See what property you can keep in a Texas bankruptcy.
Where Your Case Is Filed: Lubbock Division, Northern District of Texas
Bankruptcy cases for Lubbock County residents are filed in the Northern District of Texas, Lubbock Division. Your 341 meeting of creditors is held by Zoom video, so you will not need to travel to the courthouse for it.
Court location: George Mahon Federal Building, 1205 Texas Avenue, Room 306, Lubbock, TX 79401 | (806) 472-5000
Counties served: Bailey, Borden, Cochran, Crosby, Dawson, Dickens, Floyd, Gaines, Garza, Hale, Hockley, Kent, Lamb, Lubbock, Lynn, Motley, Scurry, Terry, and Yoakum.
Our attorneys know the local court procedures, trustees, and filing requirements in this division.
Our Lubbock Office
Bankruptcy Texas | Lubbock Office
Address: 13037 Quaker Avenue, Suite 1100, Lubbock, TX 79423
Phone: (806) 603-3512
Serving Lubbock and Surrounding West Texas Communities
Our Lubbock office serves families across the Hub City and the South Plains.
Communities served: Wolfforth, Shallowater, Slaton, Idalou, Levelland, Plainview, Brownfield, Lamesa, Tahoka, Post, Littlefield, Abernathy, Floydada, Crosbyton, Seminole, and Denver City.
Wherever you live in West Texas, you get the same personal attention from our attorneys.
What to Expect: The Bankruptcy Process Step by Step
We know the process can feel overwhelming, so we keep it simple and straightforward.
Step 1: Free Consultation
We sit down together, in person or by phone, and review your income, debts, and assets. Then we explain your options in everyday terms. There is no pressure and no obligation. Call our Lubbock office or fill out the form on our Contact Us page.
Step 2: Case Preparation
Once you decide to move forward, our team gathers your financial documents and prepares your petition. We handle the paperwork so you do not have to.
Step 3: Filing
We file your case with the Northern District of Texas, Lubbock Division. The moment your petition is filed, the automatic stay takes effect. Creditor calls, lawsuits, and most collection activity must stop.
Step 4: 341 Meeting of Creditors
About 21 to 40 days after you file, you attend the 341 Meeting of Creditors. In the Northern District of Texas, these meetings now happen by Zoom video, so you can join without driving to the courthouse. A trustee runs the meeting, not a judge. You will need a government-issued photo ID and proof of your Social Security number. Most meetings last only a few minutes, and your attorney is with you the whole time.
Step 5: Discharge and Fresh Start
In a Chapter 7 case, discharge typically comes within 60 to 90 days after the 341 meeting. You walk away with a clean slate and the tools to rebuild.
Frequently Asked Questions
Take the First Step Toward a Fresh Start
Bad times happen to good people. If debt is keeping you up at night, a single conversation can change everything. Our Lubbock office gives you straight answers, real options, and a clear path forward. You talk with Robin McCarty or Bria Larson from day one, not a salesperson. The consultation is free, and everything you share is confidential.
Explore our blog for free articles on Texas bankruptcy, or view all areas we serve.
Client Testimonials
Let’s Talk About a Fresh Start
If you’re facing overwhelming debt, the team at Bankruptcy Texas is here to help you file for bankruptcy with confidence and dignity. From start to finish, we provide the legal guidance and resources you need to move forward. We offer a free consultation to review your situation, explain your legal options, and answer your questions. If you are ready to take the next step toward financial recovery, we are ready to help.
We serve clients across Texas from our offices in Arlington, Midlothian, Lubbock, and Cleburne, as well as surrounding cities including Dallas, Fort Worth, and Grand Prairie.
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