Possibly. ERCOT has immunity, but power company claims may proceed. Most deadlines passed, but exceptions exist. Contact us now.
Texas Bankruptcy Attorneys Protecting Your Assets and Financial Future
File bankruptcy with confidence. Texas law protects your home equity (unlimited), retirement savings (100%), and a generous amount of personal property, giving you more protection than almost any other state.
Get a Fresh Financial Start with Texas Bankruptcy
Filing for Texas bankruptcy is a powerful legal tool to stop creditor harassment and get a fresh start. The moment you file, the court issues an "automatic stay," which is a legal order that immediately stops all collection actions. This powerful protection gives you the breathing room you need to take back control of your finances.
The automatic stay in a Texas bankruptcy will immediately stop:
- Harassing phone calls from debt collectors
- Wage garnishment from your paycheck
- Foreclosure proceedings on your Texas home
- Repossession of your vehicle
- Lawsuits and legal threats
Our Texas bankruptcy lawyers can file your case quickly to get you this protection right away.
Chapter 7 vs. Chapter 13: Your Two Paths in Texas
The two most common types of bankruptcy for individuals in Texas are Chapter 7 and Chapter 13. The right one for you depends on your income, your debts, and what you want to protect.
Texas law sets strict deadlines to file claims
- Chapter 7 Bankruptcy (Liquidation): This is often called a "fresh start" bankruptcy. It is designed to quickly wipe out (discharge) your unsecured debts, such as credit card bills, medical bills, and personal loans. Because of Texas's generous exemptions, most people who file Chapter 7 keep all of their property.
- Chapter 13 Bankruptcy (Reorganization): This is a "wage earner's plan." It allows you to reorganize your debts into a single, affordable monthly payment over three to five years. This is an excellent tool if you are behind on your mortgage or car payment and want to catch up and keep your property.
An experienced Texas bankruptcy attorney can help you decide which chapter is the best solution for you.
Know Your Rights: Keeping Your Property with Texas Exemptions
Filing for bankruptcy in Texas does not mean you will lose everything. Texas has some of the most generous "exemption" laws in the country, which specify what property you can protect from creditors.
You can use Texas exemptions to protect:
- Your Home: The Texas homestead exemption is one of the strongest in the U.S. It allows you to protect the full value of your primary residence (on up to 10 acres in a city or 100-200 acres in the country).
- Your Vehicle: Texas law allows each licensed driver in your household to protect one motor vehicle, regardless of its value.
- Personal Property: You can protect a generous amount of personal property (up to $50,000 for an individual or $100,000 for a family), including furniture, clothes, tools of your trade, and firearms.
- Retirement Accounts: Your retirement accounts (like 401(k)s and IRAs) are fully protected.
Our lawyers know Texas exemption laws inside and out and will use them to protect everything you are entitled to keep.
Schedule Your Free Mass Tort Consultation Today
Mass tort cases demand extensive resources and expertise. We handle everything while you focus on recovery. Your time to file is limited by the Texas statute of limitations.
Why Choose United Law Firm?
01.
We Are Texas Lawyers
We are not a national "petition mill." We are a Texas law firm that understands the local bankruptcy courts, trustees, and state laws that will impact your case.
02.
No Upfront Fees for Chapter 13
We can often file a Chapter 13 bankruptcy for you with no upfront attorney's fees. The fees are simply included in your affordable monthly repayment plan.
03.
Flat Fees for Chapter 7
We handle most Chapter 7 bankruptcy cases for a clear, flat fee. You will know the full cost before we begin, with no hidden charges.
04.
We Handle Everything
We will handle all the paperwork, deal with your creditors, and represent you in court. We guide you through every step of the process and fight to get you the fresh start you deserve.
FAQs
Frequently Asked Questions
Navigating a legal issue can be confusing. Here are quick answers to some of the most common questions we receive.
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Texas holds manufacturers and sellers responsible for defective products, design flaws, manufacturing defects, or inadequate warnings. A Texas product liability lawyer proves liability to get you compensated.
Drugs causing widespread harm through undisclosed side effects, contamination, or dangerous interactions. A defective drug attorney in Texas determines if your case qualifies for mass tort or MDL.
Yes. A Texas attorney manages your case, gathers evidence, and ensures proper compensation calculation.