Chapter 7 Bankruptcy (Liquidation)
We help eligible clients get a "fresh start" by wiping out (discharging) unsecured debts like credit cards, medical bills, and personal loans, often in just a few months, while protecting your essential assets.
Experienced Florida & Texas Bankruptcy Lawyers - Chapter 7, 11 & 13 Specialists
Bankruptcy lawyers eliminate or restructure overwhelming debt while protecting your essential assets. United Law Firm helps Florida and Texas residents stop creditor harassment, save their homes, and rebuild financial stability.
United Law
The Debt Relief Solutions We Provide
From overwhelming credit cards to pending foreclosures, we use the power of federal law to protect you, your family, and your property.
Chapter 13 Bankruptcy (Reorganization)
We create a manageable 3-to-5-year repayment plan to catch up on missed mortgage payments, pay off car loans, and consolidate other debts, allowing you to keep your home and car.
Stopping Foreclosure
We use the "automatic stay" to immediately halt foreclosure proceedings the moment we file, giving you the breathing room and the legal vehicle to save your home through a Chapter 13 plan.
Stopping Wage Garnishments
We file emergency petitions to stop creditors from taking money directly from your paycheck. The automatic stay restores your full income so you can pay your living expenses.
Stopping Creditor Harassment
The moment we file, the automatic stay legally forbids creditors from calling you, texting you, sending collection letters, or filing lawsuits. We make the harassment stop, period.
Lien Stripping & "Cramdowns"
In a Chapter 13, we may be able to "strip" (remove) a second mortgage or judgment lien from your home. We can also "cram down" car loans, reducing the principal balance to the vehicle's fair market value.
United Law
The Debt Relief Solutions We Provide
From overwhelming credit cards to pending foreclosures, we use the power of federal law to protect you, your family, and your property.
What Florida Residents Must Know: Your Asset Protection (Exemptions)
Florida's constitution provides some of the strongest asset protections in the nation. We use them to shield your property.
Florida's Unlimited Homestead Exemption
This is Florida's most powerful protection. In most cases, you can protect the full equity of your primary residence from creditors, no matter how much it's worth (as long as you meet the 1,215-day residency rule).
Retirement & Wage Protection
Florida law fully exempts (protects) your 401(k)s, IRAs, and other qualified retirement accounts. Furthermore, if you are the "Head of Family," your wages are 100% protected from garnishment.
The "Wildcard" & Vehicle Exemption
You can protect $1,000 in personal property (or $4,000 if you don't use the homestead exemption) and $1,000 of equity in a motor vehicle. We know how to apply these strategically to protect what you own.
The "Means Test" Trap
To qualify for Chapter 7, you must pass the "Means Test." Creditors will try to miscalculate your income or expenses to force you into a Chapter 13 plan. We are meticulous in our calculations to ensure you file for the chapter that is best for you.
Florida Residents: Don't Lose Your Home to a Lawsuit! The law is on your side, but you must act. Contact Us today to protect your assets.
Texas Bankruptcy Exemptions & Laws: Protecting What Matters Most
Texas law offers robust protections for homeowners and families. We know how to use them to get you a clean slate.
The Choice: Texas vs. Federal Exemptions
Texas law requires filers to use the state's exemptions, which are among the best in the nation. We analyze your assets to ensure you get maximum protection under the Texas code.
Texas's Powerful Homestead Exemption
Texas provides a very strong homestead exemption, protecting the full value of your urban (up to 10 acres) or rural (up to 100 acres for an individual, 200 for a family) home from seizure.
Generous Personal Property Exemptions
Texas law allows a family to protect up to $100,000 (or $50,000 for a single adult) in personal property. This includes vehicles, home furnishings, tools of the trade, and retirement accounts. This is one of the highest property exemptions in the U.S.
Stopping "Aggressive Collection" Tactics
Texas is notorious for aggressive debt collectors. The automatic stay in bankruptcy is the only thing that can legally stop a creditor from repossessing your car or proceeding with a foreclosure sale.
Texans: Don't Let Creditors Seize Your Property! Timing is critical. Contact us immediately to get the full protection of the law.
Affordable Fees & Payment Plans
for Your Fresh Start
Financial stress shouldn't stop you from getting debt relief. We remove that barrier. While bankruptcy law prohibits attorneys from working on a contingency fee, we make it affordable. We offer flat-rate fees so there are no surprises. For Chapter 13, most of our fees can be paid through your repayment plan. For Chapter 7, we offer flexible payment plans to help you get filed and get protected. Your initial consultation is always 100% free.
A Proven Record of Success for Our Clients
Our firm's track record of getting debts discharged and plans confirmed reflects our commitment to giving our clients a new beginning.
Why Our Track Record Matters?
Every case is unique, and past results don't guarantee future outcomes. However, these cases demonstrate:
Our willingness to file complex cases involving business debts or foreclosures.
Our ability to act fast to stop sales, garnishments, and repossessions.
Our deep knowledge of Florida and Texas exemptions to protect what you own.
Our track record of getting plans confirmed and debts fully discharged.
Looking for a bankruptcy attorney near you? Our team is ready to help, no matter how complex your situation may seem.
Could Your Fresh Start Be Closer Than You Think?
Creditors profit from your fear. Let us fight for your future. Contact Us for a free case review.
Get My Free ConsultationGet Your Free, Confidential Case Evaluation Today
If you've been injured due to someone else's negligence, time is critical. Florida and Texas statutes of limitations are ticking, evidence can disappear, and witnesses' memories fade. The sooner you contact an attorney for personal injury, the stronger we can build your case.
You're Under No Obligation
This consultation is completely free with no strings attached. Whether you hire us or not, you'll leave with valuable information about your legal rights and options
What to Expect During Your Free Consultation
We listen to your story
Tell us what happened in your own words
We explain your rights
Clear guidance on Florida or Texas law and your options
We outline the process
Realistic timeframes and what to expect.
We give you honest answers
What your case is worth, no inflated promises
We take immediate action
If we take your case, we start working right away
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Get a Free Case Evaluation
Tell us what happened. There is no cost and no obligation. Fill out the secure form or call us now. A member of our legal team will listen to your story and provide a free, confidential assessment of your legal options.
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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Chapter 7 bankruptcy stays for 10 years, Chapter 13 bankruptcy for 7 years. Most clients rebuild credit after bankruptcy within 1–2 years after filing.
No. Federal bankruptcy law prohibits employers from firing you due to a bankruptcy filing.
Some older income tax debts may qualify under bankruptcy discharge rules if they’re at least 3 years old and meet other criteria. Recent taxes typically cannot be eliminated through bankruptcy.
Child support, alimony, student loans, recent taxes, and court fines cannot be eliminated under bankruptcy law.
While the vast majority of cases are settled without going to court, the best personal injury attorney prepares every case for trial. This aggressive preparation signals to the insurance company that we are serious, which often forces them to offer a much fairer settlement. Our personal injury firm is always prepared to go to court to fight for the best possible outcome for you.
Yes. Filing bankruptcy immediately stops pending lawsuits and prevents wage garnishments or bank levies through the automatic stay.
Yes. Joint bankruptcy filing often doubles exemptions and costs less than separate filings.
Typically 2–4 years depending on loan type. FHA loans after bankruptcy require 2 years after Chapter 7, and conventional loans need 4 years.
Your landlord cannot evict you solely for filing bankruptcy. If you're currently on rent, your lease continues normally under bankruptcy protection.
Yes, but bankruptcy waiting periods apply: 8 years between Chapter 7 filings, and 4 years from Chapter 7 to Chapter 13 bankruptcy.
You must attend one Meeting of Creditors (341 hearing) with the bankruptcy trustee, lasting about 10–15 minutes. We prepare you and attend with you throughout your bankruptcy case.
Yes. Many working people file bankruptcy when their income can't cover overwhelming debt. Employment doesn't disqualify you from filing.
Not usually, unless you have wage garnishments or voluntary Chapter 13 deductions. Employers cannot legally discriminate against you for filing.