Chapter 13 Bankruptcy Attorneys

Falling behind on bills can quickly become overwhelming. Collection calls, past-due notices, and the threat of foreclosure can turn daily life into a constant source of stress. If you are struggling to keep up, Chapter 13 bankruptcy may provide the structure and relief you need.

At Bankruptcy Texas, we help individuals and families across Texas understand their options, protect their property, and build a plan to regain control of their finances. With the right support, you can take steps toward a more stable and manageable future.

Texas Chapter 13 Bankruptcy

Chapter 13 is a repayment plan set up through the federal bankruptcy court. Instead of wiping out debt all at once, you make monthly payments based on what your budget can handle for three to five years. When the plan ends, many remaining unsecured balances are erased.

This option is often helpful for clients who want to keep a home, vehicle, or other valued property. By contrast, Chapter 7 can involve liquidating non-exempt items, and cases usually wrap up in a few months. Choosing the right chapter comes down to income, asset value, and long-term goals.

Because every household is different, we start by listening to your story and explaining the rules in plain language. That early clarity sets the stage for the next steps.

How We Assist Clients with Chapter 13 Bankruptcy

Filing without reliable support can be risky. We break the work into four clear phases so you understand what is happening and why each piece matters.

Comprehensive Financial Evaluation

First, we review pay stubs, tax returns, debt statements, and living costs. This full snapshot helps confirm eligibility and shapes a realistic budget.

During this stage, we also discuss recent financial changes, pending lawsuits, and any upcoming expenses that could affect the plan.

Development of a Feasible Repayment Plan

Using the numbers from our evaluation, we draft a proposal that meets court rules while remaining affordable for you. Typical plan features include:

• Catching up on mortgage or car arrears over the life of the case.
• Paying priority debts, such as recent taxes or child support, in full.
• Sending a set percentage to credit cards and medical bills, with any unpaid balance discharged at the end.

Once you approve the draft, we fine-tune it for filing.

Representation and Advocacy in Court

We file the petition, attend the 341 meeting of creditors, and handle any objections. If a creditor questions the plan amounts, we respond promptly and push for confirmation.

Our team also keeps you updated after each hearing, so you are never left wondering about the case status.

Guidance Through the Repayment Period

Life can change over three to five years. If income drops or unexpected costs arise, we prepare a plan modification and present it to the trustee. Staying proactive keeps your case in good standing and moves you toward discharge.

We are only a phone call or email away whenever you need answers during the repayment term.

Benefits of Filing Chapter 13 Bankruptcy with Bankruptcy Texas

Many clients choose Chapter 13 because it delivers both immediate relief and long-term structure. Key advantages include:

• Immediate automatic stay. Filing stops foreclosure, repossession, and wage garnishment the same day.
• Asset protection. Keep your house, car, and other exempt property while catching up on overdue payments.
• Debt reduction. Unsecured balances, such as credit cards and medical bills, may be partially paid and then discharged.
• Predictable single payment. Consolidate many bills into one monthly amount overseen by a court-appointed trustee.

With these protections in place, you can focus on rebuilding instead of reacting to one crisis after another.

Eligibility for Chapter 13 Bankruptcy in Texas

Most wage earners and self-employed individuals qualify, provided their secured and unsecured debt totals fall below the current limits published by the U.S. Courts. You also need enough reliable income to make plan payments and must complete a credit-counseling session before filing.

Common Client Concerns Regarding Chapter 13 Bankruptcy

Even after learning the basics, many people still have pressing questions. Below are three we hear most often.

Will I lose my assets?

Chapter 13 is designed to let you keep your property. As long as the repayment plan covers required amounts, the trustee will not force a sale. Texas exemption laws may offer additional protection for equity in your homestead, vehicle, and retirement accounts.

How will Chapter 13 affect my credit?

The filing will appear on your report for up to seven years, yet many clients see gradual score improvement sooner because delinquent accounts stop reporting new missed payments. Staying current on your plan and new obligations helps rebuild credibility with future lenders.

What debts cannot be discharged in Chapter 13?

Some obligations must be paid in full or continue after the case closes, including:

1. Domestic support, such as child support or alimony.
2. Most recent income taxes and certain other tax debts.
3. Debts arising from fraud, intentional injury, or criminal fines.

We review each account during your consultation so you know exactly what to expect.

Take the First Step Toward Financial Relief

Overwhelmed by debt? You’re not alone, and you don’t have to navigate it by yourself. At Bankruptcy Texas, we offer confidential consultations and personalized guidance to help Texans find lasting financial solutions. Call 817-338-1100 or visit our Contact Us page to schedule your consultation. A quick conversation today can put you on the path to a steadier tomorrow.