Texas Bankruptcy Attorney

Overwhelming debt can take a serious toll on your peace of mind. If you are losing sleep over creditor calls or facing the risk of foreclosure, you are not alone, and you do have options.

At Bankruptcy Texas, we focus exclusively on Bankruptcy Law, helping individuals and families across Texas find real relief. Whether you are considering Chapter 7 or Chapter 13, we walk you through every step of the process in clear, simple terms. From your first consultation to your final discharge, our team is here to guide you toward a stronger financial future.

Bankruptcy Options in Texas

Most Texans who file choose Chapter 7 or Chapter 13. Each path offers powerful protection under federal and state law, yet they work in different ways.

Chapter 7, often called liquidation, wipes out unsecured debt such as credit cards, medical bills, and personal loans. Many clients keep their home, car, and retirement accounts thanks to generous Texas exemptions.

Chapter 13 sets up a court-approved payment plan, usually three to five years, allowing you to catch up on mortgage arrears, car notes, and other secured debt while keeping your assets.

• Chapter 7 requires a means test that compares your household income to the state median.
• Chapter 13 has debt ceilings and demands a regular income to fund the plan.
• Both filings stop collection efforts the instant your case hits the court docket.

Your credit score may dip at first, yet many clients see improvement within a year because old balances vanish and on-time payments resume.

Knowing the difference between these chapters matters, but solid legal support matters even more. That is where our firm steps in.

How We Support Clients Through Bankruptcy

Our approach is built around personal attention, clarity, and steady support from start to finish. Here’s how we help clients navigate the bankruptcy process with confidence.

Comprehensive Consultation

We begin by listening. During the consultation, we review income, assets, and pressing concerns, then outline options in everyday terms. Respect and honesty guide every conversation, so you walk away clearer and calmer.

Personalized Path Forward

After choosing the chapter that fits your situation, we draft a filing strategy that lines up with your goals, whether that is stopping a foreclosure sale next week or ending wage garnishments.

Our team helps organize the required forms and supporting documents so the case can be filed promptly.

Guidance Through the Process

From trustee meetings to discharge day, we attend all hearings and handle contact with creditors. If a lender tries to skirt the stay, we address it right away. You focus on rebuilding while we handle the legal work.

Benefits of Choosing Us for Your Bankruptcy Needs

Our firm handles bankruptcy work and nothing else, so every tool, staff member, and system is aimed at debt relief.

1. Focused practice means up-to-date knowledge of local court rules and trustee expectations.
2. We believe clear answers reduce stress, so we return calls promptly and translate legal terms into everyday speech.
3. Countless Texans have regained financial footing through our guidance, proving that bankruptcy can be the first step toward a brighter future.

Clients often tell us they felt a wave of relief the moment their case number came through, knowing they finally had space to breathe.

Even with these advantages, common worries still surface. Let us address some of the big ones.

Common Bankruptcy Concerns

Even with the right legal guidance, it is natural to have questions. Below are some of the most frequent concerns we hear from clients, along with straightforward answers you can rely on.

Will I lose my assets if I file for bankruptcy?

Texas law shields a primary residence, one vehicle per licensed household driver, most personal items, and retirement funds. During your consultation, we review each asset and, when needed, suggest exemptions or Chapter 13 strategies that keep valued property safe.

Only a small group of clients ever surrender belongings, and we explain those risks long before any paperwork is filed.

How will bankruptcy impact my credit score?

The filing appears on your report for years, yet it also resets your debt-to-income ratio. Many people qualify for secured credit cards within months and conventional auto loans within a year or two.

We share tips on building new credit lines responsibly so you can move forward sooner rather than later.

What debts can be discharged through bankruptcy?

Most unsecured balances qualify for discharge, including:

• Credit card accounts
• Medical invoices
• Payday or personal loans

Some obligations, such as recent taxes, domestic support, and most student loans, usually survive the process. We explain which of your debts fall into each category so there are no surprises.

Questions vary, yet the need for a steady hand remains the same. If money worries are weighing you down, there is no reason to wait.

Ready to Tackle Debt? We’re Here to Help

If debt is putting pressure on your life, speak with a legal team that focuses on bankruptcy and nothing else. Contact us at 817-338-1100 or visit our Contact Us page to schedule your consultation. We will listen, answer your questions, and map out practical steps toward a debt-free future. Please do not hesitate to reach out, because the sooner you act, the sooner you can reclaim your peace of mind.