Bankruptcy
When debt becomes unmanageable, bankruptcy can be a legal reset — but only when it's the right tool, used the right way. With both financial and legal training, we look honestly at your full picture before recommending a path: Chapter 7 liquidation, a Chapter 13 reorganization that protects your home, or a negotiated workout that avoids filing altogether. You'll get a straight answer about what each option really means for your assets, your credit, and your fresh start.
What we handle
- Chapter 7 liquidation
- Chapter 13 reorganization
- Debt restructuring
- Creditor negotiations
- Business bankruptcy
Frequently asked questions
Will bankruptcy ruin my credit permanently?
No. A filing stays on your credit report for seven to ten years, but its impact fades steadily — and many clients begin rebuilding within a year of discharge, often ending up healthier than they were under crushing debt.
Can I keep my home if I file for bankruptcy?
Often, yes. Chapter 13 is specifically designed to help homeowners cure mortgage arrears and keep their property, and Texas's generous homestead protections help in Chapter 7 as well. We'll tell you where you stand before you file.