Bankruptcy Practice
Comprehensive bankruptcy representation
From simple Chapter 7 discharges to complex Chapter 11 reorganizations, we represent individuals and businesses across West Texas.
Types of Bankruptcy
Chapter 7
Liquidation bankruptcy — the fastest route to discharge for qualifying debtors.
- Eligibility determined by the means test (income vs. state median).
- Most unsecured debts (credit cards, medical bills) are discharged.
- Texas exemptions protect homestead, vehicles, and many personal items.
- Typical timeline: 3–6 months from filing to discharge.
Pros
- Fast resolution
- Most debts wiped out
- Fresh start
Cons
- Non-exempt assets may be sold
- Income limits apply
- Stays on credit report 10 years
The Bankruptcy Process
- 1
Free Consultation
We review your situation.
- 2
File Petition
Paperwork submitted to the court.
- 3
Automatic Stay
Collection actions stop immediately.
- 4
Creditor Meeting
341(a) meeting with the trustee.
- 5
Discharge / Plan
Debts discharged or plan confirmed.
What the Automatic Stay Means For You
The moment you file, federal law forces creditors to stop collection actions. The automatic stay can:
Stop foreclosure
Halt repossession
End wage garnishment
Stop collection calls
Pause lawsuits
Freeze utility shut-off
Receivership
Court-appointed receiver representation and disputes.
Learn moreMediation
Resolve bankruptcy disputes outside the courtroom.
Learn more