What's the difference between Chapter 7 and Chapter 13 bankruptcy?

Chapter 7 eliminates unsecured debts through asset liquidation (though most Texas filers keep their property via exemptions). Chapter 13 reorganizes debts into a 3-5 year repayment plan, often reducing what you owe.

How long does bankruptcy stay on your credit in Texas?

Chapter 7 remains for 10 years, Chapter 13 for 7 years from filing. However, you can begin rebuilding credit immediately after discharge.

What's the difference between Chapter 7 and Chapter 13 bankruptcy?

Chapter 7 eliminates unsecured debts through asset liquidation (though most Texas filers keep their property via exemptions). Chapter 13 reorganizes debts into a 3-5 year repayment plan, often reducing what you owe.

How long does bankruptcy stay on your credit in Texas?

Chapter 7 remains for 10 years, Chapter 13 for 7 years from filing. However, you can begin rebuilding credit immediately after discharge.

Arlington, Texas
The Best Legal Representation Available
Machi & Associates, P.C.

Need Legal Help in Arlington, Texas? We’re Here for You.

Financial struggles can feel overwhelming, but you don’t have to face them alone. For years, Machi & Associates, P.C. has been helping Arlington residents just like you find relief through Chapter 7 and Chapter 13 bankruptcy. Whether you’re drowning in medical bills, credit card debt, or facing foreclosure, our team knows Texas bankruptcy laws inside and out—and we’ll work tirelessly to get you the best possible outcome.

Real Results for Real People

Our Arlington-based firm has successfully guided hundreds of clients through personal bankruptcy cases, giving them the fresh start they deserve. But bankruptcy isn’t our only focus—we’ve also fought for clients denied Social Security Disability benefits and small business owners in SBA loan default disputes. Why does this matter? Because life doesn’t hand you one problem at a time. When financial crises pile up, you need a law firm that can handle all of them.

More Than Just Lawyers—We’re Your Neighbors

You won’t find us juggling thousands of cases nationwide. We’re a small, local firm by choice—because Arlington is our home too. We’ve coached Little League teams, volunteered at food drives, and supported local schools. That connection to our community means we understand what’s at stake when you walk through our doors. Your fight becomes our fight.

What Makes The Law Firm of Machi & Associated, P.C. Different?

Big law firms might promise “fast results,” but we promise real attention. With over 30 years of combined experience, our attorneys take the time to listen, explain your options in plain English, and craft a strategy tailored to your unique situation. No cookie-cutter solutions. No passing you off to paralegals. Just honest, hands-on legal help from people who care.

Your Next Step Is Simple

If you’re ready to stop the stress and start rebuilding, we’re here to help. Call us today or fill out our quick online form to schedule a free, no-pressure consultation. Let’s sit down, look at your situation, and figure out the best path forward—together.

Arlington, TX Legal Practice Areas

Truck Accident Lawyers Auto Accident Lawyers Bankruptcy Lawyers Personal injury Chapter 13 Bankruptcy Attorneys Chapter 7 Bankruptcy Attorneys SBA Loan Default Attorneys

Areas of Practice

Ted Machi Lead Attorney

Machi & Associates has been led by our founder, Ted Machi, who has helped the little guy in the DFW metroplex through effective, determined, professional representation. Ted Machi is Board Certified in Consumer Bankruptcy law by the Texas Board of Legal Specialization. He directs a team of attorneys who help people like yourself in areas such as Personal Injury, Bankruptcy and Disability Law. If you have another legal matter, such as deceptive trade, products liability, health or auto insurance denial or questions about personal injuries, we can help!

Daniel Wright Attorney

Daniel Wright has been a licensed attorney in the Fort Worth, Dallas, Arlington and Mansfield area for the past two decades. Initially practicing in multiple areas of law, Daniel has focused on Bankruptcy Law for the past 16 years, as well as Social Security Disability for the last 7. He chose these areas because he wanted to improve the lives of his clients and help them get through some incredibly difficult times. Daniel appreciates the small size of his firm because it keeps the legal process from becoming impersonal.

Arlington, Texas The Best Legal Representation Available Machi & Associates, P.C.