In short: Chapter 13 bankruptcy lets Texas wage earners reorganize debt through a court-approved 3–5 year repayment plan—often to save a home from foreclosure. Machi Wright & Associates serves Arlington, Mansfield, and Fort Worth. Free consultation: 817-335-8880.
What is Chapter 13 bankruptcy?
Chapter 13 is a reorganization bankruptcy for individuals with regular income. You propose a plan to pay secured creditors (mortgage, car) and a portion of unsecured debt over time.
Can Chapter 13 stop foreclosure in Texas?
Filing triggers an automatic stay that can pause foreclosure while you catch up on mortgage payments through the plan. Timing is critical—contact an attorney before the sale date.
How much do you pay in Chapter 13?
Plan payments depend on disposable income, secured debt arrears, and non-exempt assets. Your attorney calculates a feasible payment before filing.
How long does Chapter 13 last?
Most plans run 36–60 months. After successful completion, remaining qualifying unsecured debt may be discharged.
How do I start Chapter 13 with Machi Law?
Call 817-335-8880 or request a free consultation. Bring mortgage statements, pay stubs, and foreclosure notices if applicable.
Related: Bankruptcy Overview · Arlington Chapter 13 · Chapter 7 Bankruptcy · Foreclosure Defense