In short: Chapter 7 bankruptcy in Texas can discharge qualifying unsecured debt for individuals who pass the means test. Machi Wright & Associates helps North Texas families through Chapter 7 from Arlington, Mansfield, and Fort Worth. Free consultation: 817-335-8880.
What is Chapter 7 bankruptcy in Texas?
Chapter 7 is a liquidation bankruptcy that may eliminate credit card debt, medical bills, and other unsecured debts after non-exempt assets are reviewed. Most Texas debtors keep essential property under state exemption laws.
Who qualifies for Chapter 7 in Texas?
Qualification depends on income (means test), household size, and recent financial transactions. A bankruptcy attorney reviews pay stubs, tax returns, and debts before filing.
How long does Chapter 7 take?
Most consumer Chapter 7 cases close within 4–6 months after filing. You receive a discharge order if no objections arise and required courses are completed.
Chapter 7 vs Chapter 13 — which is right?
Chapter 7 fits many debtors with primarily unsecured debt. Chapter 13 helps homeowners catch up on mortgage arrears or repay secured debt over 3–5 years. See our bankruptcy overview and Chapter 13 page.
How do I start Chapter 7 with Machi Law?
Call 817-335-8880 or request a free consultation. Bring debt lists, pay stubs, and any lawsuit or foreclosure notices.
Related: Bankruptcy Overview · Arlington Chapter 7 · Chapter 13 Bankruptcy · Foreclosure Defense