Midlothian Bankruptcy Attorney
Debt can feel like it controls every part of your life. At Bankruptcy Texas, our Midlothian bankruptcy attorneys help individuals and families across Ellis County take back control through Chapter 7. Our attorneys listen first, explain your options in plain language, and stand beside you from the first phone call through your final discharge.
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No cost. No Pressure. Just honest answers about your financial options
Why Midlothian Families Choose Bankruptcy Texas
Bankruptcy Is All We Do
Unlike firms that spread their attention across dozens of practice areas, Bankruptcy Texas focuses exclusively on bankruptcy law. Every strategy, every filing, and every conversation is built around helping you eliminate debt and protect what matters most.
Hometown Office: Right Here in Midlothian
Our headquarters is located at 300 N. 8th Street, Suite 108, in downtown Midlothian. You are not driving across the metroplex for appointments or waiting weeks for a callback. Walk in, sit down with an attorney who knows this community, and get answers the same day.
Experienced Attorneys Who Care
Robin McCarty brings more than 30 years of legal experience, including service as a Texas Peace Officer and prosecutor, to every bankruptcy case. Bria Larson is known for her strategic approach, attention to detail, and genuine compassion. Together, they have helped hundreds of Texas families find a clear path forward.
A Track Record That Speaks for Itself
Our clients consistently rate us 5 stars. With 200+ five-star Google reviews, the feedback speaks to something simple: we treat every client like a person, not a case number. From the first consultation through your final discharge, you will always know what is happening and what comes next. Read their stories on our reviews page.
Chapter 7 Bankruptcy in Midlothian
Most Midlothian residents who file for bankruptcy choose one of two chapters. Each offers powerful federal protection, but they work in different ways.
Chapter 7: A Fresh Start
Chapter 7 bankruptcy eliminates most unsecured debts, including credit card balances, medical bills, and personal loans. Many clients complete the process in roughly four months and keep their home, vehicle, and retirement accounts thanks to generous Texas exemptions. If your household income falls below the Texas median, Chapter 7 may be the fastest path to a clean slate.
What Can You Keep? Texas Bankruptcy Exemptions
One of the biggest fears people have about bankruptcy is losing everything. The truth is, Texas has some of the most protective exemptions in the country. Here is what most Midlothian filers are able to keep:
Homestead Exemption
Texas places no dollar cap on the value of your primary residence as long as it sits on 10 acres or less in a city. For most Ellis County homeowners, this means your house is fully protected.
Vehicle Exemption
Each person filing can protect one motor vehicle. Married couples filing jointly can each protect a vehicle
Personal Property
Up to $50,000 in personal property per individual or $100,000 per family, covering furniture, clothing, electronics, tools of a trade, and more.
Retirement Accounts
Most tax-exempt retirement accounts and pensions are fully protected in a Texas bankruptcy. 401(k) plans, IRAs, pensions, and most other qualified retirement accounts.
We review every asset during your consultation and match it against the exemptions, so you know exactly what you are keeping before you ever file. Want a deeper look at what Texas law protects? Read our guide: Texas Bankruptcy Exemptions — What Property You Can Keep
Filing Bankruptcy in Midlothian: Local Court Information
Midlothian sits in Ellis County, which falls under the jurisdiction of the United States Bankruptcy Court for the Northern District of Texas, Dallas Division. All bankruptcy petitions filed by Ellis County residents are processed through this court.
Courthouse
Earle Cabell Federal Building Address: 1100 Commerce Street, Room 1254, Dallas, TX 75242 Phone: (214) 753-2000 Hours: Monday through Friday, 8:30 a.m. to 4:30 p.m.
Your attorney handles every court filing, attends all required hearings, and coordinates directly with the assigned trustee. Most clients only need to attend one meeting, the 341 Meeting of Creditors, which our attorneys prepare you for in advance so there are no surprises.
Our Midlothian Office
Bankruptcy Texas has called Midlothian home since 1995, making us one of the longest-established law firms in the area. Our headquarters is conveniently located in downtown Midlothian with easy access from Highway 67 and Highway 287.
Address: 300 N. 8th Street, Suite 108, Midlothian, TX 76065 Phone: (972) 483-4592 Hours: Monday through Friday, 8:30 a.m. to 5:00 p.m.
Free parking is available on-site. Our office is wheelchair accessible, including the entrance, restrooms, and parking lot. We also offer online appointments for clients who prefer to meet virtually.
Serving Ellis County and Surrounding Communities
Our Midlothian office serves clients throughout Ellis County and the surrounding area, including:
Waxahachie · Cedar Hill · Red Oak · Venus · Maypearl · Italy · Ennis · Palmer · Ferris · Ovilla · Glenn Heights · Oak Leaf · Mansfield · Duncanville
Whether you live five minutes from our office or across the county line, our team provides the same attentive, personal service. We also have offices in Arlington, Lubbock, and Cleburne for clients closer to those locations.
How Filing for Bankruptcy Works
We keep the process straightforward so you always know what comes next.
Step 1: Free Consultation
Call our Midlothian office or fill out the form on our Contact Us page. During this conversation, we review your income, debts, and assets, then explain your options in everyday terms. There is no pressure and no obligation.
Step 2: Personalized Strategy
After evaluating your financial picture, your attorney confirms whether Chapter 7 fits your goals and builds a filing strategy around eliminating your debt as quickly as possible.
Step 3: Preparation and Filing
Our team helps you gather the required documents, complete the mandatory credit counseling course, and prepare your bankruptcy petition. We handle the paperwork so the filing is accurate and on time.
Step 4: Automatic Stay Takes Effect
Once your petition is filed with the Northern District of Texas Bankruptcy Court in Dallas, the automatic stay kicks in immediately. Creditors must stop all collection activity, calls, lawsuits, wage garnishments, and foreclosure proceedings.
Step 5: Discharge and Fresh Start
For Chapter 7 filers, discharge typically arrives within four months, and our team is beside you the entire time.
Learn more about the process in our guide: Filing for Bankruptcy in Texas
Frequently Asked Questions
Ready to Take the First Step?
If debt is keeping you up at night, you do not have to face it alone. The attorneys at Bankruptcy Texas have helped hundreds of families across Ellis County find real relief and a clear path forward.
Visit our Contact Us page to schedule your free consultation. We will listen, answer your questions, and map out practical steps toward a debt-free future.
Do not wait for the situation to get worse. The sooner you reach out, the sooner you can reclaim your peace of mind. Explore our blog for free guides on Texas bankruptcy, or view all areas we serve.
Free Consultation — No Obligation
Bankruptcy Texas — Midlothian Office
300 N 8th Street, Suite 108, Midlothian, TX 76065
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.
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.
Our Offices