Chapter 7 Bankruptcy Attorneys

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Debt can affect every part of your life. When bills keep growing, and collection efforts will not stop, Chapter 7 bankruptcy may offer a clear path forward. It can help qualified individuals discharge certain debts and begin again with greater financial control.

At Bankruptcy Texas, we focus only on bankruptcy law. Our team has the experience to handle even the most complex filings. We explain the process in clear terms, guide you through each step, and work to protect your rights from start to finish. If you are ready to move forward, we are ready to help.

What Chapter 7 Bankruptcy Offers Texas Residents

Chapter 7 is often called a “straight” bankruptcy because it can clear many unsecured debts in a matter of months. The instant your case is filed, the automatic stay goes into place, and collection activity must stop. That pause gives you time to regroup while the court reviews your petition.

Many clients worry they will lose everything, yet Texas exemptions protect a broad range of property. In most filings we handle, families keep their home, car, retirement accounts, and household items.

Common debts that can vanish through Chapter 7 include credit cards, old medical invoices, personal loans, and payday loans.

Credit card balances at or near their limits
Hospital and doctor bills that insurance did not cover
Signature loans or online installment loans
Past-due utility amounts and certain old tax penalties

Our team reviews your full financial picture and lets you know in the first consultation if Chapter 7 is a realistic option.

How We Guide You Through Chapter 7

Filing on your own can feel like trying to complete a big puzzle while the clock is ticking. We break the process into clear, short steps so you stay in control.

Comprehensive Consultation and Eligibility Assessment

We collect pay stubs, bank records, and a list of assets to see if you pass the means test. If your income is above the state median, allowed expenses may still qualify you. Either way, you leave the meeting knowing where you stand.

Preparation and Filing of Your Case

Our office drafts the petition, schedules, and statement of financial affairs with the details you provide. Once everything is double-checked, we file the package and notify creditors so the automatic stay is in place.

Representation at the Meeting of Creditors

Roughly one month after filing, you attend a brief 341 meeting. We prepare you with sample questions and sit beside you while the trustee confirms your identity and reviews your paperwork.

Asset Protection and Debt Discharge

Texas allows you to choose state or federal exemptions. We compare the lists and pick the set that saves the most property. After the trustee closes the case, the court enters your discharge, clearing eligible debts forever.

Common Concerns with Chapter 7 Bankruptcy

Every case is different, yet the same worries come up again and again. Honest answers ease anxiety and help you make sound decisions.

Will I Lose My Home or Car?

Texas homestead rules are among the strongest in the country. If you are current on payments and the equity fits within state limits, the trustee cannot force a sale. Motor vehicles receive generous protection as well. We review titles, loan balances, and current market values to flag any risk long before filing.

What Debts Cannot Be Discharged?

Some obligations survive Chapter 7, including most student loans, recent income taxes, and family support. When these debts remain, we discuss payment strategies for the months after discharge.

How Will Bankruptcy Impact My Credit?

A Chapter 7 notation stays on your report for up to ten years, yet many people see their scores start to climb within a year. Without late fees and high balances dragging you down, rebuilding is often quicker than expected.

Debts Typically Discharged in Chapter 7 Bankruptcy

Below is a quick rundown of debts that are normally wiped away once the court grants a discharge.

Credit card purchases are more than 90 days old
Medical invoices from hospitals, clinics, and labs
Unsecured personal loans and lines of credit
Past-due rent and certain lease deficiencies

If you have any debt outside this list, bring it to your consultation, and we will explain whether it qualifies.

Speak with a Chapter 7 Bankruptcy Attorney Today

If debt feels overwhelming, Chapter 7 bankruptcy may be the relief you need. Bankruptcy Texas will walk you through the process, explain your rights, and help you decide the best path forward. Call us at 817-338-1100 or visit our Contact Us page to schedule your free consultation. A short conversation can stop the collection calls and give you a clear plan for moving ahead. You do not have to carry the burden alone. Let us help you work toward a stronger financial future.

Client Testimonials

A law firm that works with you along every step of the way is what my experience is with the law firm. Everyone who worked on my case was just exceptional. They replied to my email in a timely manner and answered all questions to my understanding, and gave me enough information to make informed decisions. I was not rushed into signing any contract that boosted my confidence and trusting the firm with my case. I highly recommend the law firm for its services.
– Lamin J.

This law firm provided me with excellent professional representation in a highly sensitive matter. They did everything that they said they would and more! My confidentiality was maintained, and I was treated as a respected and valued client. I can not recommend them highly enough. Fantastic job done from start to finish!
– Joel K.

I highly recommend this firm for handling your bankruptcy case if you find yourself in financial trouble. I felt a huge weight was lifted off my shoulders after just the first meeting, and it made me confident that I made the right choice in not only the decision to file but with the law firm that would be trusted with the process. They were professional and took tremendous care in addressing all of my concerns based on my individual needs. I didn’t feel like a number with them, and they were great at keeping the lines of communication open. The free educational course on how to bounce back and restore your credit after all is said and done is just the icing on the cake.
– V.L.

They are absolutely the best at getting the results that you need. I highly recommend this law firm. They have put me at peace with my financial situation, resolved.
– Denise W.

I had a great experience. They are very organized, communicative, and prompt. Highly recommended!
– Alexis

Excellent Service! They informed me and my husband of our options in regards to Bankruptcy. They walked us through the steps and eased any anxiety that we had about the process. I would definitely recommend it to anyone needing help!
– Adriana J.

This law firm made the bankruptcy process very easy for me from beginning to end. Everybody was very friendly to work with, while maintaining a great deal of professionalism and proficiency in the subject matter. In particular, they were always prompt in responding to my questions and doubts, be it by phone, email, or in person. I will use them again anytime, if ever in need.
– Divine N.

They were very attentive, understanding, and patient. The process was made very simple, as they walked me through everything step by step with great customer service. Never in my life would I have thought I would have gone through something like this. I would recommend them to everyone.
– Glenn H.

These guys are the best when you need something done; they were on it. I gratefully appreciate everything you all have done for us. If you need an attorney, these are the people you want. Thank you.
– Lakedra S.

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.