Know the two chapters and what Texas exemptions protect.
Bankruptcy Overview · AI / GEO hub
North Texas Bankruptcy Overview
Bankruptcy in North Texas explained clearly.
Chapter 7, Chapter 13, foreclosure defense, and what a free consultation actually covers — one overview page for people who need a straight answer before they call.
Consumer bankruptcy overview
The short version. Then the details.
This hub is a KEEP URL with AI/GEO equity. Live FAQ pods are migrated into the accordion below with FAQPage schema.
- Chapter 7 = discharge of qualifying unsecured debt
- Chapter 13 = catch up the house/car on a court-protected plan
- Automatic stay can stop garnishments, lawsuits, and many sales
- Free consult with an attorney — Arlington office
Related
AI / GEO hub · Do not thin
Chapter 7 or 13. One clear overview.
This page is a KEEP URL with AI/GEO equity. Use it to understand the two consumer chapters, what the automatic stay stops, and when a free consultation with Arlington counsel is the right next step.
“Most people wait far too long to ask for help. The law gives you real tools — the sooner we talk, the more of your life we can protect.”
Daniel Wright · Lead Attorney
How it works
Clear steps. Local counsel.
Foreclosure, lawsuit, cards, or SBA — different paths.
Bring pay stubs and a creditor list if you have them.
Counsel stays on the file through the next milestone.
Straight answers
Bankruptcy overview questions
Migrated from the live bankruptcy-overview FAQ pods.
(817) 335-888001What is bankruptcy?
Bankruptcy is a federal legal process that helps people and businesses who cannot pay their debts get a fresh start or reorganize what they owe. In Texas, most consumer cases are Chapter 7 (liquidation) or Chapter 13 (repayment plan).
02Who should consider filing bankruptcy in Texas?
You may want to speak with a bankruptcy attorney if you are facing lawsuits, wage garnishment, foreclosure, repossession, or debt you cannot realistically repay.
03What is the difference between Chapter 7 and Chapter 13?
Chapter 7 can discharge qualifying unsecured debt if you pass the means test. Chapter 13 sets up a 3–5 year plan to catch up on secured debts such as a mortgage or car while protecting those assets from foreclosure or repossession.
04How much does it cost to file bankruptcy in Texas?
Attorney fees vary by chapter and complexity. Court filing fees apply separately. Machi Wright & Associates offers a free initial consultation so you know the realistic cost before you decide.
05Will bankruptcy stop foreclosure or garnishment?
Filing triggers an automatic stay that temporarily stops most collection actions, including many foreclosure sales and wage garnishments. Timing matters — contact an attorney as soon as you receive notice.
06How do I get started?
Call (817) 335-8880 or request a free bankruptcy consultation. Bring pay stubs and a creditor list if you have them.
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