We review income, assets, debts, and goals. You leave knowing whether Chapter 7, Chapter 13, or another path fits — before you spend a dollar.
Chapter 7 Bankruptcy · Arlington · North Texas
Chapter 7 Bankruptcy Attorney in Arlington, TX
Wipe out qualifying debt. Keep your fresh start.
Chapter 7 is the clean-slate path for many North Texas families — credit cards, medical bills, and personal loans discharged while you protect essential property under Texas exemptions.
Who Chapter 7 is for
A genuine discharge — not a payment plan.
If your income fits the means test and most of your debt is unsecured, Chapter 7 can wipe out what is drowning you without a three-to-five-year repayment plan. You talk to an attorney on the first call — not a call center.
- Credit cards, medical bills, personal loans, and many judgments
- Texas homestead and personal-property exemptions applied carefully
- Automatic stay stops garnishments and most collection once filed
- Direct counsel — 20+ years in North Texas bankruptcy courts
Related
Chapter 7 · North Texas
A genuine discharge — not a payment plan.
If your income fits the means test and most of your debt is unsecured, Chapter 7 can wipe out what is drowning you without a three-to-five-year repayment plan. You talk to an attorney on the first call — not a call center.
“Chapter 7 is about honesty with the numbers. If it fits, we file clean. If it does not, I will tell you before you spend a dollar.”
Daniel Wright · Lead Attorney
How it works
Straight answers. Local courts.
Every case is different. Prior results do not guarantee a similar outcome. The outline below is how most consumer Chapter 7 matters move once you and counsel decide it fits.
We run the means test and map Texas exemptions so you understand what you keep and what the trustee may look at.
Filing triggers the automatic stay. Most garnishments, lawsuits, and collection calls stop while the case proceeds.
You attend a short trustee meeting. Qualifying unsecured debts are discharged — typically within a few months of filing.
Straight answers
Chapter 7 questions, answered plainly
Clear guidance for North Texas families weighing a Chapter 7 filing.
(817) 335-888001Do I qualify for Chapter 7 bankruptcy in Texas?
Qualification depends on the means test, which compares your household income to the Texas median for your county. Below-median filers often qualify automatically; above-median filers may still qualify after allowable deductions. We run a free preliminary means test in consult.
02What debts does Chapter 7 eliminate?
Most unsecured debts — credit cards, medical bills, personal loans, payday loans, utility arrearages, and certain older tax debts. Recent taxes, most student loans, child support, and alimony generally are not discharged.
03Will I lose my house or car in Chapter 7?
Texas exemptions protect significant homestead equity and personal property. Many filers keep a home and car when they are current and within exemption limits. We map exemptions before anything is filed.
04How quickly does Chapter 7 stop creditor calls?
Immediately upon filing. The automatic stay bars most collection calls, letters, lawsuits, and wage garnishments while the case proceeds. Typical cases move from filing to discharge in about four months.
20+Years practicing
1Attorney on your call
FreeConsultation
NTXSame local courts
Ready when you are
Find out if Chapter 7 fits your numbers.
Tell us about the debt, the garnishment, or the lawsuit. An attorney reviews every request — not a call center.
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