We map income, arrears, sale dates, and goals. You learn whether Chapter 13, Chapter 7, or a non-bankruptcy option is the honest fit.
Chapter 13 Bankruptcy · Arlington · North Texas
Chapter 13 Bankruptcy Attorney in Arlington, TX
Catch up. Keep the house. Stay in control.
Chapter 13 is the court-supervised plan that stops a foreclosure sale, catches up mortgage or car arrears, and reorganizes debt over three to five years — with an attorney who knows these North Texas courts.
Who Chapter 13 is for
When you need time — not a wipeout.
If you are behind on the mortgage, facing a sale date, or need to keep assets that Chapter 7 would put at risk, Chapter 13 can freeze collection and let you catch up through a structured plan. First call goes to counsel.
- Stop a posted Texas foreclosure sale with the automatic stay
- Catch up mortgage or car arrears over 3–5 years
- Protect co-signers and non-exempt equity when the plan fits
- Same local trustee practice your neighbors already use
Related
Chapter 13 · North Texas
When you need time — not a wipeout.
If you are behind on the mortgage, facing a sale date, or need to keep assets that Chapter 7 would put at risk, Chapter 13 can freeze collection and let you catch up through a structured plan. First call goes to counsel.
“A sale date is a deadline, not a verdict. Chapter 13 exists so families can catch up and keep the house when the numbers work.”
Daniel Wright · Lead Attorney
How it works
A plan the trustee can confirm.
Every case is different. Prior results do not guarantee a similar outcome. This is the path most consumer Chapter 13 matters follow once counsel confirms it fits.
We draft a plan that catches up what must be cured, treats unsecured debt realistically, and matches what you can actually pay.
Filing stops the sale clock and most collection. Creditors must come through the court process.
After the trustee meeting and confirmation, you make plan payments. Finish the plan — keep the house and the discharge of remaining qualifying debt.
Straight answers
Chapter 13 questions, answered plainly
Straight answers for homeowners and families considering a Chapter 13 plan.
(817) 335-888001How does Chapter 13 stop a foreclosure sale in Texas?
Filing triggers the automatic stay, which can halt a posted foreclosure sale. The Chapter 13 plan then lets many homeowners cure mortgage arrears over three to five years while staying in the home.
02How much is a Chapter 13 payment?
Your monthly payment depends on disposable income, secured arrears (mortgage, car), priority debts (taxes, support), and plan length. Many families pay less than their combined pre-bankruptcy minimums. We estimate a realistic figure in a free consult.
03How long does a Chapter 13 plan last?
Most consumer plans run three to five years. After you complete the plan, remaining qualifying unsecured debt can be discharged.
04Is Chapter 13 better than Chapter 7 for my case?
It depends on income, equity, sale dates, and what you need to keep. Chapter 13 is often the right tool when foreclosure or asset protection is the priority. We give an honest recommendation on the first call.
20+Years practicing
1Attorney on your call
FreeConsultation
NTXSame local courts
Sale date on the calendar?
Call before the auction clock runs out.
Bring the notice, the loan statement, and what you can afford monthly. An attorney reviews every request — not a call center.
Request a Free Consultation