Texas Bankruptcy Lawyers

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Strong Pipkin Bissell & Ledyard, L.L.P.

Strong Pipkin Bissell & Ledyard, L.L.P.

595 Orleans St Ste 1400 - Beaumont, TX 77701
(713) 651-1900

Ireland, Carroll & Kelley, P.C.

Ireland, Carroll & Kelley, P.C.

Tyler, TX, Commercial Litigation, Intellectual Property, and Oil & Gas Litigation Attorneys

6101 S. Broadway Avenue, Suite 500 - Tyler, TX 75703
903-561-1600

Munson Munson Cardwell

Munson Munson Cardwell

123 South Travis - Sherman, TX 75090
(903) 893-8161

Law Firm of Min G Kim, PLLC

Law Firm of Min G Kim, PLLC

Allow us to help you today so that you can have a better tomorrow

616 F.M. 1960 Rd W, Suite 105 - Houston, TX 77090
713-259-3929

Law Office of Melissa A. Botting

Law Office of Melissa A. Botting

1414 South Friendswood Drive - Friendswood, TX 77546
(281) 992-7600

The Fealy Law Firm, P.C

The Fealy Law Firm, P.C

Trust Experience - Select a TX Board Certified Lawyer

1235 North Loop West Suite 1005 - Houston, TX 77008
(713) 526-5220

Baker & Associates

Baker & Associates

Board Certified Attorney

5151 Katy Fwy Suite 200 - Houston, TX 77007
(713) 979-2279

The Milledge Law Firm, PLLC

The Milledge Law Firm, PLLC

At The Milledge Law Firm, you will have the peace of mind not only that your matter is receiving the proper attention from a team of experienced legal professionals, but also that you will be treated with the respect and courtesy that you deserve.

2500 East T.C. Jester Blvd Suite # 510 - Houston, TX 77008
(713) 812-1409

H. Brad Parker, P.C.

H. Brad Parker, P.C.

H. Brad Parker, P.C. is a Houston law firm providing general legal services, with emphasis on commercial litigation, bankruptcy, collection and real estate.

2180 North Loop West Suite 510 - Houston, TX 77018-8002
(713) 892-5588

The Harvey Law Firm P.C.

The Harvey Law Firm P.C.

6510 Abrams, Suite 280 - Dallas, TX 75231
(972) 243-3960

Vanhemelrijck Law Offices, LP.

Vanhemelrijck Law Offices, LP.

As a client of our law firm, you will experience the personal attention of a small law firm with the resources of a large law firm. Your case will not be handled by a paralegal, but instead by an experienced and dedicated attorney.

Law Office of Joel Gonzalez, PLLC

Law Office of Joel Gonzalez, PLLC

Highly Experienced Bankruptcy Lawyer-Corpus Christi-TX

The Andarza Law Office

The Andarza Law Office

Highly Experienced Bankruptcy Lawyer - Austin, TX,Highly Experienced Bankruptcy Lawyer - San Antonio, TX,Immigration Lawyer - Austin, TX,Immigration Lawyer - San Antonio, TX

Norred Law, PLLC

Norred Law, PLLC

We handle: Intellectual Property - patents, trademarks, copyrights, trade secrets; Bankruptcy - Chapter 7, 13 and 11, representing creditors and debtors; Litigation - from Small Claims to Federal Suits and Estate, Trust and Probate Issues.

Davis Law Firm

Davis Law Firm

SAN ANTONIO PERSONAL INJURY ATTORNEYS

Law Offices of Chance M. McGhee

Law Offices of Chance M. McGhee

Texas bankruptcy attorney Chance McGhee helps clients struggling with financial difficulties in San Antonio. As an experienced Chapter 7 and Chapter 13 Bankruptcy lawyer, Chance can help you regain control of your finances.

Law Office of Truman Coe

Law Office of Truman Coe

Dallas/Fort Worth Bankruptcy Attorney. Stop Creditor Harassment, Stop Foreclosures, Stop Repossessions, Stop Lawsuits, Eliminate Credit Card Debt, Eliminate Medical Debt, Eliminate Payday loans and more.

Acosta Law, P.C

Acosta Law, P.C

It is our mission to help hard working people fight bad debt and receive a fresh start. We are highly motivated and strive to see all of our clients back on the road to financial freedom by saving your home, vehicles as well as your peace of mind.

Allmand Law Firm, PLLC

Allmand Law Firm, PLLC

We at Allmand Law Firm, PLLC have handled tens of thousands of bankruptcy cases during our more than 20 years of collective experience!

The Brown Law Firm

The Brown Law Firm

Toronjo & Prosser Law

Toronjo & Prosser Law

Experienced Attorneys Serving Clients Throughout the Dallas Metroplex for Bankruptcy, Estate Planning and Wills, and Business Law

Field, Manning, Stone, Hawthorne & Aycock, P.C.

Field, Manning, Stone, Hawthorne & Aycock, P.C.

Responsiveness is key to the success of this firm and its clients. To make that happen, every effort is made to deliver the legal services our clients demand at the speed and pace of business today.

Clifford F. McMaster

Clifford F. McMaster

Law Firm in Fort Worth, TX

Frank, Elmore, Lievens, Chesney & Ture

Frank, Elmore, Lievens, Chesney & Ture

The Vida Law Firm

The Vida Law Firm

Offering expert advice and bankruptcy help to consumers and businesses

Weston Legal PLLC

Weston Legal PLLC

We have helped thousands of people across Texas with Bankruptcy, Debt Lawsuit Defense, Judgment Defense, and Student Loan Defaults. Contact us to see how we can help you.

Makris Law Firm, P.C.

Makris Law Firm, P.C.

Houston Social Security Disability Attorney

Goodall & Davison, P.C.

Goodall & Davison, P.C.

Since 1988, Goodall & Davison, P.C. has provided exceptional legal representation to its business, real estate, and energy clients.

Lee Law Firm

Lee Law Firm

The Lee Law Firm focuses on providing affordable, high quality representation for each client that desires to achieve a financially solid future.

Alice Bower, Attorney At Law

Alice Bower, Attorney At Law

Our team is dedicated to helping you and your family or small business through these tough financial times. Remember, you are not alone. Let us guide you on your road to financial recovery. RELAX, we got this.

Swindell Law Firm P.C.

Swindell Law Firm P.C.

Swindell & Associates is a different kind of law firm. All we do is help people like you good people in serious debt decide whether bankruptcy is the smart, responsible way to a better future.

The Harvey Law Firm P.C.

The Harvey Law Firm P.C.

Villa & White LLP

Villa & White LLP

Villa & White LLP is a law firm located in San Antonio, Texas that provides debt relief services to it's clients by helping them file for protection under the bankruptcy code through Chapter 7, Chapter 11 or Chapter 13.

The Werner Law Group

The Werner Law Group

Flume Law Firm, LLP

Flume Law Firm, LLP

Curtis | Castillo PC

Curtis | Castillo PC

Baird, Crews, Schiller & Whitaker, P.C.

Baird, Crews, Schiller & Whitaker, P.C.

Passman & Jones A Professional Corporation

Passman & Jones A Professional Corporation

Leinart Law Firm

Leinart Law Firm

Bryeans & Garcia, Attorneys at Law

Bryeans & Garcia, Attorneys at Law

Harriet Langston, P.C.

Harriet Langston, P.C.

Attorney Harriet Langston has been helping Dallas and Plano, TX, residents find solutions to their debt problems for more than 31` years, and is certified in Consumer Bankruptcy Law by the Texas Board of Legal Specialization.

Richard Weaver and Associates

Richard Weaver and Associates

30 Years Experience, Top Rated Firm

Todd Malaise

Todd Malaise

Compassionate Bankruptcy Guidance

Rochelle McCullough, L.L.P.

Rochelle McCullough, L.L.P.

Law Office of J. Michael McBride, P.C

Law Office of J. Michael McBride, P.C

The Lone Star State Suffers

Texas is well known for its rich oil history, but recession-weary residents of the Lone Star state are struggling to pay those climbing prices at the pump along with the rest of the nation.  Bankruptcies filed in 2008 hit record levels with over 44,000 in Texas alone, and nearly 93% of those filed by consumers.    It is estimated that 1.4 million consumer bankruptcies will be filed in the U.S. in 2009, the surge triggered by the foreclosure crisis and economic downturn.

Competent Legal Advice a Must in Texas

The Federal Bankruptcy Law involves processes, procedures and evaluations which can be complex and confusing, including major revisions made in 2005.  Seek the advice of a Texas law firm with specific long-term experience in Texas bankruptcy matters.  Check references, if possible.  A competent Texas attorney will help you weigh your different options, make informed decisions, help you protect the security of your family and reduce your stress, while facing the realities of the situation. 

Filing a Chapter 13 bankruptcy in Texas

Generally, all consumers considering bankruptcy in Texas will file either a Chapter 7 (liquidation) or Chapter 13 bankruptcy.  Chapter 13 provides for your creditors to be paid back all or a portion of the debt owed, over a period of three to five years.  Chapter 13 is often used in Texas to prevent a foreclosure of a home or repossession of a car.  Texas filers who do not pass the Chapter 7 “means test” will be required to file Chapter 13 or remove themselves from the bankruptcy process entirely. 

Paying Debts Outside of Your Texas Bankruptcy

Certain debt payments may be considered preferential and the Texas Bankruptcy Trustee carries “avoidance power” to overturn certain transfers or obligations made by the debtor prior to or during bankruptcy.  Examples include:

·         Property transferred or paid during relevant time period before bankruptcy

·         Something passed from the bankruptcy to a creditor

·         Payment occurred at a time when the bankrupt consumer/business was insolvent

·         One creditor is given advantage over another creditor

·         Creditor suspected or should have suspected that the bankrupt consumer/business was insolvent

Texas Bankruptcy Alternatives

Contact your creditors to try to work out payment arrangements that you can manage.  Contact the non-profit Consumer Credit Counseling service to get help with a manageable repayment plan.  Sell as many assets as you can and pay down your debt to a manageable level.  Debt consolidation may be considered, but approach this option with caution to make sure it actually helps your situation.

Final Thoughts on Texas Bankruptcy

Texans continue to suffer, as the State’s economy struggles to recover.  Decisions you make and actions you take now can have a positive or negative effect on the outcome of your bankruptcy proceedings.  The U.S. Bankruptcy Court cautions that “Bankruptcy has long-term financial and legal consequences -- hiring a competent attorney is strongly recommended.” Click here to find Texas attorney resources in your area. 

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