Bankruptcy while receiving or expecting an inheritance can be complex, but careful planning helps protect assets. Choosing the right chapter and applying Texas exemptions can determine what you keep. Professional guidance provides clarity, helping you safeguard your inheritance while still obtaining bankruptcy relief.


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3800 North Lamar Blvd # 200
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If you anticipate inheriting money or property, careful planning is key before filing bankruptcy:

Consult an attorney – Timing matters due to the 180-day rule.

Review exemptions – Know what Texas law protects, like your primary residence or certain personal property.

Consider Chapter 13 – May allow you to keep the inheritance while restructuring debts.

Be transparent – Always disclose expected inheritances to avoid dismissal or legal issues.

Proper preparation helps you protect your inheritance while still gaining bankruptcy relief.




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3800 North Lamar Blvd # 200
Austin, TX 78756

Even if an inheritance becomes part of your bankruptcy estate, Texas law provides exemptions that can protect certain assets:

Homestead Exemption: Your inherited primary residence may be fully protected.

Vehicle Exemption: One vehicle per licensed household member can be exempt.

Personal Property: Up to $50,000 for individuals or $100,000 for families, covering furniture, clothing, and household goods.

Life Insurance & Retirement Benefits: Certain inherited life insurance proceeds and retirement accounts may be protected.

These exemptions help you keep essentials while still allowing creditors access to non-essential assets. Proper planning with an attorney ensures you maximize protections.



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3800 North Lamar Blvd # 200
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Inherited assets may be affected by the 180-day rule. If you become entitled to an inheritance within 180 days of filing, it is considered part of your bankruptcy estate.

Chapter 7: Inheritances within this period can be claimed by the trustee, though Texas exemptions—like the homestead—may protect some property.

Chapter 13: Even after 180 days, the trustee may require part of the inheritance to fund your repayment plan.

Understanding this rule helps you and your attorney decide whether to file now or wait, ensuring unexpected assets are handled wisely.



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3800 North Lamar Blvd # 200
Austin, TX 78756

If you’re involved in or worried about a lawsuit, bankruptcy can help, but careful planning is essential:

Consult a bankruptcy attorney quickly – Understand how filing affects your case.

Gather all court documents – Complaints, judgments, and settlement info help your attorney and trustee.

Check if the debt is dischargeable – Credit card or medical debts may be wiped out; fraud, taxes, or support usually are not.

Consider timing – Filing before a judgment may stop wage garnishment or liens.

Disclose everything honestly – List all pending or potential lawsuits to avoid losing rights.

Plan for the future – Know whether the debt will be erased, restructured, or remain after bankruptcy.

These steps protect your rights, keep options open, and help bankruptcy provide a true fresh start.



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3800 North Lamar Blvd # 200
Austin, TX 78756

When you file for bankruptcy, lawsuits you’ve initiated—like personal injury or contract claims—become part of the bankruptcy estate.

Chapter 7: The trustee may control the lawsuit and use any recovery to pay creditors, though exemptions can let you keep part.

Chapter 13: You usually maintain more control, but proceeds may affect your repayment plan.

Disclosure: You must list all pending lawsuits in your bankruptcy papers, or risk losing your claim.

Bankruptcy doesn’t erase your right to sue, but it shapes how any recovery is handled.



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3800 North Lamar Blvd # 200
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Bankruptcy cannot protect against all lawsuits.

Criminal cases: Charges, fines, and restitution continue.

Child support & alimony: Past-due obligations must be paid in full.

Certain tax debts: Recent taxes, penalties, and fraud-related claims survive.

Fraud or intentional misconduct: Debts from fraud, embezzlement, or intentional harm are non-dischargeable.

Divorce-related property settlements: Many property settlement claims continue despite bankruptcy.

Bankruptcy provides relief for debts, but responsibilities like support, taxes, or fraud-related claims remain.



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3800 North Lamar Blvd # 200
Austin, TX 78756

Bankruptcy can eliminate many money-related lawsuits.

Debt collection: Credit card, medical, and personal loan claims can be discharged in Chapter 7 or included in Chapter 13 repayment plans.

Foreclosures: Bankruptcy pauses foreclosure lawsuits and may allow repayment through Chapter 13.

Evictions: Pending eviction cases can be delayed, giving time to address back rent.

Wage garnishments & judgments: Bankruptcy can stop enforcement and discharge the underlying debt.

For many in Austin, these protections provide immediate relief and breathing room.


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3800 North Lamar Blvd # 200
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The automatic stay is a key feature of bankruptcy that immediately stops most lawsuits against you. Creditors must halt collections, wage garnishments, repossessions, and foreclosure actions. Common civil cases—like credit card, medical debt, or foreclosure claims—pause automatically.

Exceptions: Criminal cases, child support, and certain family court matters continue. The stay generally lasts through your bankruptcy, though creditors can request the court to lift it. It gives you breathing room to manage debts without ongoing legal pressure.



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1. Automatic Stay Stops Most Lawsuits

When you file for bankruptcy, an automatic stay goes into effect immediately.

This legally pauses most collection actions, including:

Debt collection lawsuits

Wage garnishments

Bank account levies

Property repossessions or foreclosures

The stay gives you temporary relief from creditors while your bankruptcy case proceeds.

2. Debt-Related Lawsuits

Chapter 7 (Liquidation):

Lawsuits over unsecured debts (credit cards, medical bills, personal loans) are generally discharged.

Creditors can no longer pursue you once the bankruptcy is complete.

Chapter 13 (Repayment Plan):

Debt-related lawsuits are typically handled through the repayment plan.

Creditors cannot continue litigation outside the plan without court permission.

3. Exceptions – Lawsuits That Continue

Some legal matters are not affected by bankruptcy:

Criminal cases – charges or prosecutions continue.

Child support or alimony – these obligations survive bankruptcy.

Certain tax claims – especially recent taxes.

Personal injury claims caused by DUI or intentional harm – cannot be discharged.

4. Pending Personal Injury or Lawsuits for Property

If you are suing someone else, like in a personal injury claim, that lawsuit may become part of the bankruptcy estate.

The bankruptcy trustee could have rights to the proceeds, depending on the chapter and exemptions you claim.

You may need the trustee’s approval to settle or continue the lawsuit.

5. Practical Impact in Austin

Filing for bankruptcy often relieves pressure immediately by stopping creditor actions.

Lawsuits related to debts are usually paused or discharged.

Non-dischargeable claims continue, so it’s important to consult a local Austin bankruptcy attorney to understand your specific situation and exemptions under Texas law.



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3800 North Lamar Blvd # 200
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Completing a Chapter 13 bankruptcy can provide a fresh financial start. Once your repayment plan concludes, any remaining eligible debts are discharged, freeing you from ongoing collection efforts, wage garnishments, or creditor harassment.

Rebuilding Credit
Although Chapter 13 initially affects your credit score, completing the repayment plan demonstrates financial responsibility. Many individuals begin to see credit score improvements within a year after their case closes. This recovery can make it easier to qualify for loans, mortgages, or other forms of credit in the future.

Developing Strong Financial Habits
The structured repayment plan of Chapter 13 often helps filers develop better budgeting and spending habits. By learning to manage a monthly payment plan, debtors gain skills that promote long-term financial stability and prevent future debt problems.

Long-Term Financial Freedom
Life after Chapter 13 is about more than just eliminating debt—it’s an opportunity to make lasting financial changes. With the right legal guidance from an experienced Austin bankruptcy attorney, you can build a secure financial foundation, regain control of your money, and plan for future growth.



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3800 North Lamar Blvd # 200
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Chapter 13 bankruptcy offers several advantages that make it a powerful debt relief option for individuals with consistent income who want to reorganize their finances while keeping their assets.

1. Protect Your Assets
Unlike Chapter 7 bankruptcy, which may require the liquidation of certain assets, Chapter 13 allows filers to retain their property while repaying debts. This makes it an ideal option for those who want to keep their home, car, or other important assets.

2. Consolidate Debts Into a Single Payment
Chapter 13 enables you to combine multiple debts into one manageable monthly payment. This simplifies budgeting, reduces stress, and makes it easier to stay on track—especially for individuals juggling several financial obligations or facing unexpected expenses.

3. Stop Foreclosures and Repossessions
Filing Chapter 13 triggers an automatic stay, which halts creditor actions such as foreclosures, repossessions, and collection calls. This protection provides crucial time to catch up on overdue payments and helps prevent the loss of your property.

4. Address Non-Dischargeable Debts
While some debts cannot be eliminated through bankruptcy—such as child support, alimony, and certain taxes—Chapter 13 allows these obligations to be incorporated into the repayment plan. This structured approach makes it easier to manage all debts responsibly.

5. Regain Control and Financial Stability
Beyond immediate debt relief, Chapter 13 provides structure, legal protections, and a clear roadmap for repayment. By following the plan, filers can rebuild their finances, improve credit over time, and regain control of their financial future.


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3800 North Lamar Blvd # 200
Austin, TX 78756

Chapter 13 bankruptcy allows individuals to reorganize debts while receiving legal protection from creditors. Though the process may seem complex, it can be broken down into clear steps to make repayment more manageable.

1. Completing Credit Counseling
Before filing, a debtor must complete credit counseling through a court-approved agency within 180 days of filing. This counseling helps evaluate your financial situation, explore alternatives to bankruptcy, and sometimes develop a preliminary repayment plan.

Failure to complete this step can result in dismissal of the case unless exceptions apply, such as an emergency or lack of available counseling services.

2. Filing the Bankruptcy Petition
The process begins with filing a Chapter 13 bankruptcy petition in the appropriate federal court. Along with the petition, you must submit detailed financial schedules, including:

A list of all debts

Income sources

Assets and property

Monthly expenses

A proposed repayment plan

Accuracy is critical, as errors or omissions can delay the process or lead to case dismissal. Filing also triggers an automatic stay, immediately stopping most creditor actions such as foreclosures, repossessions, and collection calls.

3. Automatic Stay: Halting Creditor Actions
One of the immediate benefits of filing Chapter 13 is the automatic stay. This legal safeguard forces creditors to cease collection efforts, providing time to focus on your repayment plan.

It is especially valuable for individuals facing foreclosure or vehicle repossession, though compliance with court requirements is necessary to maintain these protections.

4. Meeting With Creditors and the Bankruptcy Trustee
After filing, you will attend a 341 meeting of creditors, overseen by a bankruptcy trustee. The trustee reviews your financial documents and proposed repayment plan to ensure it is feasible.

While creditors may attend, their participation is often minimal. The trustee’s role is to verify that all information has been disclosed and address any concerns regarding the plan. Transparency during this meeting is essential to avoid delays or complications.

5. Plan Confirmation Hearing
Once the trustee reviews the repayment plan, the court holds a confirmation hearing to approve it. The judge ensures the plan:

Meets legal requirements

Is realistic based on your income and expenses

Once confirmed, the debtor makes monthly payments to the trustee, who distributes funds to creditors according to the plan. The repayment period typically lasts three to five years.

By understanding these steps, debtors can better prepare for the Chapter 13 process and focus on achieving long-term financial stability. Next, it’s important to review the benefits of Chapter 13 bankruptcy to determine if it’s the right option for your situation.




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3800 North Lamar Blvd # 200
Austin, TX 78756

Chapter 13 bankruptcy—often referred to as a “wage earner’s plan”—is designed for individuals with regular, reliable income who want to reorganize their debts rather than liquidate assets. It allows filers to repay all or a portion of their debts over a structured three- to five-year repayment plan.

How Chapter 13 Works
Under Chapter 13, debtors propose a court-approved repayment plan based on their income, expenses, and overall financial situation. This approach helps individuals catch up on overdue payments while keeping important assets such as their home, vehicle, or other property.

Secured debts, including mortgage arrears or car loans, are given priority and can often be brought current over time.

Unsecured debts, such as credit card balances and medical bills, are paid according to what the debtor can reasonably afford.

Court-Approved Repayment Plan
The repayment plan is a legally binding agreement between the debtor, creditors, and the bankruptcy court. As long as plan payments are made on time, creditors must comply with its terms, and collection efforts remain halted by the automatic stay.

Chapter 13 bankruptcy offers a practical path to financial recovery without immediate asset liquidation. Next, it’s important to understand who qualifies for Chapter 13 bankruptcy and the specific requirements involved.



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3800 North Lamar Blvd # 200
Austin, TX 78756

Yes, it is possible to file for bankruptcy more than once. However, the law imposes mandatory waiting periods between filings, depending on the type of bankruptcy previously filed.

Bankruptcy Waiting Periods
For example, if you file a Chapter 7 bankruptcy, you must wait eight years from the date of filing before you can receive another Chapter 7 discharge. Different waiting periods apply if you switch between Chapter 7 and Chapter 13, and an attorney can help determine your eligibility based on your filing history.

Trustee Review of Your Case
Once your bankruptcy case is filed, a Chapter 7 trustee is assigned to review your petition and supporting documents. This review includes:

Bankruptcy schedules and disclosures

Tax returns and bank statements

A review of your assets and claimed exemptions

Evaluation of property such as jewelry, vehicles, and home equity

“No Asset” Chapter 7 Cases

If all of your property is protected by bankruptcy exemptions and there is no non-exempt property to sell, the trustee will designate your case as a “no asset” Chapter 7 case. This means creditors will not receive payments from the sale of property.

Starting Fresh After Discharge
Once you’ve completed all required steps and receive your Chapter 7 discharge, you are free to move forward with a clean financial slate. Many filers use this opportunity to rebuild credit, stabilize their finances, and plan for a more secure future.

Get Professional Guidance
Because repeat bankruptcy filings involve strict rules and timelines, consulting with an experienced bankruptcy attorney can help you understand your options and avoid costly mistakes.




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3800 North Lamar Blvd # 200
Austin, TX 78756

Chapter 7 bankruptcy can eliminate many types of unsecured debt, but not all obligations are dischargeable. Understanding which debts are wiped out—and which are not—can help you make informed decisions before filing.

Debts Commonly Discharged in Chapter 7
In most cases, Chapter 7 bankruptcy discharges unsecured debts such as:

Credit card balances

Medical bills

Personal loans

Utility bills

Past-due rent or lease obligations

Certain older income tax debts (if specific requirements are met)

Debts That Are Not Dischargeable

Some debts are generally not dischargeable in Chapter 7 bankruptcy, including:

Child support and alimony

Debts incurred while intoxicated, such as DUI-related damages

Student loans, except in rare hardship cases

Most recent tax debts

Court fines and criminal restitution

Fraud and Adversary Proceedings

Debts obtained through fraud, false pretenses, or misrepresentation may be declared non-dischargeable. In these cases, a creditor must file a lawsuit within the bankruptcy case—known as an adversary proceeding—to ask the court to exclude the debt from discharge.

Luxury Purchases and Cash Advances
If a creditor objects to charges for luxury goods or cash advances made shortly before filing bankruptcy, those amounts may not be discharged. Generally, purchases or cash advances made within 70 days before filing may be presumed non-dischargeable, depending on the circumstances.

Understanding Your Debt Relief Options
While Chapter 7 bankruptcy can eliminate most unsecured debt, every case is unique. A knowledgeable bankruptcy attorney can review your financial situation, identify which debts may be discharged, and help you avoid issues that could delay or limit your relief.




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3800 North Lamar Blvd # 200
Austin, TX 78756

When you file for Chapter 7 bankruptcy, the law allows you to keep certain assets through a system known as bankruptcy exemptions. These exemptions are designed to help you maintain basic living necessities while eliminating overwhelming debt.

Texas and Federal Bankruptcy Exemptions
In Texas, filers may choose between Texas state exemptions or federal bankruptcy exemptions. Each system protects different types and amounts of property, and there are strategic reasons to choose one over the other. An experienced bankruptcy attorney can help you determine which exemption system best protects your assets.

How Bankruptcy Exemptions Work
Bankruptcy exemptions protect specific categories of property from being taken by the bankruptcy trustee. Any asset that is not covered by an exemption is considered nonexempt property and may be sold to repay creditors.

Common Assets Often Protected
Bankruptcy exemptions are generally generous enough to allow most Chapter 7 filers to keep essential assets, such as:

A primary residence (homestead), within exemption limits

One or more vehicles, up to the allowed value

Household goods, furniture, and clothing

Retirement accounts and pensions

Tools of the trade needed for work

Protecting Your Property

The goal of Chapter 7 bankruptcy is to provide a fresh start—not to leave you without necessities. With proper planning and the correct use of exemptions, many people are able to keep their home, car, and other important assets.

Because exemption rules can be complex, consulting with a knowledgeable Texas bankruptcy attorney can help ensure your property is fully protected and your case proceeds smoothly.



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3800 North Lamar Blvd # 200
Austin, TX 78756

If you’re considering filing for Chapter 7 bankruptcy, one of the first questions you’re likely to ask is how much it will cost. While bankruptcy does involve upfront expenses, the total cost often pales in comparison to the amount of debt that can be eliminated.

Bankruptcy Court Filing Fee
The bankruptcy court charges a $338 filing fee for Chapter 7 cases. In very limited circumstances, this fee may be waived, but fee waivers are rare and subject to strict income requirements. Some filers may qualify to pay the fee in installments.

Attorney Fees
Most Chapter 7 filers choose to work with a bankruptcy attorney to ensure their case is handled correctly. Attorney fees typically start at $1,500 and up and are usually charged as a flat fee. This flat fee generally covers all standard aspects of the case, from the initial consultation through the final discharge.

It’s important to carefully review your attorney-client agreement. If any additional fees may apply, they must be clearly disclosed in the contract.

Required Bankruptcy Courses
Federal law requires two educational courses:

Consumer Credit Counseling (completed before filing)
Financial Management Course (completed after filing)

Each course typically costs $10 to $25. Some law firms—such as —include these courses in their flat fee, while others require clients to pay for them separately.

Is Filing Chapter 7 Worth the Cost?
Although filing for Chapter 7 bankruptcy involves certain expenses, it can eliminate thousands—or even tens of thousands—of dollars in unsecured debt. For individuals facing overwhelming financial pressure, Chapter 7 often makes strong financial sense by providing immediate relief and a fresh start.

Get Professional Guidance
An experienced Austin bankruptcy attorney can explain the total cost upfront, help you understand your options, and ensure there are no surprises along the way.




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3800 North Lamar Blvd # 200
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One of the most common concerns about filing for Chapter 7 bankruptcy is its impact on your credit score. While a Chapter 7 bankruptcy can remain on your credit report for up to 10 years, this does not mean your credit will stay damaged for that entire time.

Short-Term Impact
Filing for Chapter 7 may initially lower your credit score, especially if you previously had good credit. However, for many individuals who are already behind on payments or facing collections, the impact may be less severe than expected.

Credit Recovery After Bankruptcy
In many cases, your credit score can begin to improve soon after your bankruptcy is filed or discharged. By eliminating overwhelming debt and stopping missed payments, Chapter 7 gives you the opportunity to rebuild your credit over time through responsible financial habits.

Long-Term Considerations
The impact of bankruptcy on your credit decreases as time passes. Lenders often place less weight on older bankruptcies, particularly if you demonstrate consistent income, on-time payments, and improved credit behavior after filing.

Getting Approved for Loans After Bankruptcy
Having a Chapter 7 bankruptcy on your credit report does not automatically prevent you from qualifying for credit, a car loan, or even a mortgage. You may face higher interest rates or larger down payment requirements, especially in the early years. If you apply for credit while the bankruptcy is still on your report, be prepared to explain the circumstances and show how your financial situation has improved.

Moving Forward
For many people, the relief provided by Chapter 7 bankruptcy makes long-term financial recovery possible—often sooner than continuing to struggle with unmanageable debt.

If you’re considering bankruptcy, speaking with an experienced Austin bankruptcy attorney can help you understand both the immediate and long-term effects on your credit and overall financial future.



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3800 North Lamar Blvd # 200
Austin, TX 78756

Chapter 7 bankruptcy offers powerful debt relief for individuals facing overwhelming financial challenges. For many filers, it provides a fast and effective way to regain control and move toward a more stable financial future.

Key Benefits of Chapter 7 Bankruptcy

Elimination of Most Unsecured Debts
Chapter 7 allows you to discharge qualifying unsecured debts, including credit cards, medical bills, and personal loans.

Protection of Essential Assets
Many filers are able to keep important assets, such as their home or vehicle, through available state and federal exemptions.

Immediate Protection From Creditors
Once your case is filed, an automatic stay stops collection calls, wage garnishments, lawsuits, and foreclosure actions.

Fresh Financial Start
By eliminating overwhelming debt, Chapter 7 provides the opportunity to rebuild credit and move forward with greater financial confidence.

Discharge of Certain Tax Debts
In some cases, older income tax debts may be eligible for discharge, depending on specific IRS and bankruptcy rules.

Is Chapter 7 the Right Option for You?
While Chapter 7 can offer significant relief, it may not be the best solution for everyone. Speaking with an experienced Austin bankruptcy attorney can help you understand your options, protect your assets, and determine whether Chapter 7 is the right choice for your financial situation.




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3800 North Lamar Blvd # 200
Austin, TX 78756

Filing for Chapter 7 bankruptcy involves several important steps. Being prepared and organized can help ensure the process goes smoothly and without unnecessary delays.

Step 1: Gather Required Financial Documents

Before filing, you’ll need to collect key financial information, including:
Federal tax returns from the past two years
Proof of income and a detailed list of monthly expenses
Bank statements and financial account records
Documentation of child support or alimony, if applicable

Step 2: Document All Sources of Income

You must disclose all income from every source received during the previous seven months. This includes:
Wages or salary
Unemployment benefits
Disability or Social Security income
Self-employment income and gig work
Any other regular or irregular income

Full and accurate income disclosure is required to complete the means test and determine eligibility for Chapter 7 bankruptcy.

Step 3: Complete Credit Counseling

Before filing, you must complete a court-approved credit counseling course and obtain a certificate of completion.

Step 4: File the Bankruptcy Petition

Once all documents are prepared, your bankruptcy petition is filed with the appropriate federal bankruptcy court. Filing triggers an automatic stay, which immediately stops creditor collection efforts.

Step 5: Attend the Meeting of Creditors

After filing, you’ll attend a brief hearing called the 341 Meeting of Creditors, where a bankruptcy trustee reviews your case and asks basic questions about your finances.

Step 6: Complete the Debtor Education Course

After the 341 meeting, you must complete a second required course in financial management before your debts can be discharged.

Step 7: Receive Your Discharge

If there are no objections, most Chapter 7 cases conclude within three to four months, and eligible debts are permanently discharged.



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3800 North Lamar Blvd # 200
Austin, TX 78756

Filing for Chapter 7 bankruptcy requires meeting several legal and procedural requirements. Preparing the necessary documents in advance can help ensure a smoother and faster filing process.

Chapter 7 Bankruptcy Requirements

To file for Chapter 7 bankruptcy in the United States, you must meet the following requirements:

Credit Counseling Certificate
You must complete a court-approved credit counseling course within 180 days before filing and provide proof of completion.

Financial Documentation
You’ll need to gather financial records, including bank statements, credit card statements, loan documents, pay stubs, and a list of monthly expenses.

Disclosure of Assets and Debts
Bankruptcy law requires you to list all real and personal property as well as all debts, including secured and unsecured obligations.

Tax Returns
You must have filed all required federal and state tax returns for the previous four years before filing your bankruptcy case.

Proper Court Filing Location
Your bankruptcy case must be filed in the federal judicial district where you have lived for the greater part of the past 180 days.

How Long Does the Process Take?

From the time your petition is filed, a typical Chapter 7 bankruptcy case takes approximately three to four months to complete, assuming there are no complications.



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3800 North Lamar Blvd # 200
Austin, TX 78756

Chapter 7 bankruptcy is often the first option people consider when facing overwhelming debt. For many individuals and families in Austin, it can provide much-needed relief and a true financial fresh start. However, it’s important to understand how Chapter 7 works before deciding whether it’s the right solution for you.

What Is Chapter 7 Bankruptcy?

Chapter 7 bankruptcy allows individuals to eliminate most unsecured debts, including credit card balances, medical bills, and personal loans. In many cases, filers are able to keep essential assets such as their home, vehicle, and personal property through available Texas exemptions. In limited situations, non-exempt property may need to be surrendered to repay creditors.

Qualifying for Chapter 7

To be eligible for Chapter 7 bankruptcy, you must pass a means test, which compares your income and expenses to determine whether you have the ability to repay your debts. If your income exceeds the allowed limits, you may still qualify for Chapter 13 bankruptcy, which involves a structured repayment plan instead of debt discharge.

Benefits of Filing Chapter 7

One of the most significant advantages of Chapter 7 bankruptcy is immediate protection from creditors. Once your case is filed, an automatic stay goes into effect, stopping collection calls, wage garnishments, foreclosures, and lawsuits. The Chapter 7 process is relatively fast, typically lasting about three to four months, after which eligible debts are discharged.

Potential Drawbacks

While Chapter 7 can provide powerful debt relief, it does have downsides. Filing bankruptcy can negatively impact your credit score, and the bankruptcy filing remains on your credit report for up to ten years. That said, many filers find that eliminating debt allows them to rebuild credit sooner than expected.

Is Chapter 7 Right for You?

Filing for Chapter 7 bankruptcy is a major financial decision. Speaking with an experienced Austin bankruptcy attorney can help you understand your options, protect your assets, and determine whether Chapter 7 is the best path toward long-term financial stability.



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3800 North Lamar Blvd # 200
Austin, TX 78756

Chapter 13 bankruptcy services: Structured debt reorganization with court-approved repayment plans for long-term financial relief.


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3800 North Lamar Blvd # 200
Austin, TX 78756

Chapter 7 Bankruptcy Assistance: Legal guidance to discharge qualifying debts and help you achieve a fresh financial start.


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3800 North Lamar Blvd # 200
Austin, TX 78756

Comprehensive debt relief, legal protection, and personalized guidance to help you regain financial stability.


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3800 North Lamar Blvd # 200
Austin, TX 78756

utilizes Chapter 13 bankruptcy to help homeowners facing foreclosure by enabling them to halt foreclosure proceedings. Unlike Chapter 7, Chapter 13 allows individuals to catch up on overdue mortgage payments through a structured repayment plan while keeping their assets.

This option offers a path to reorganize debt into manageable payments, providing much-needed stability during financial difficulties. Our team is dedicated to developing a plan that aligns with your financial situation, helping you navigate the challenges, and maintain your home.

With our guidance, you can take control of your finances and protect what matters most. This legal approach also stops creditor harassment, giving you the peace of mind to focus on rebuilding your financial future. By addressing debts under court supervision, Chapter 13 ensures a fair process that can set you on the path to long-term stability.



3800 North Lamar Blvd # 200
Austin, TX 78756

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With , starting a Chapter 13 bankruptcy involves entering a structured program tailored to your financial recovery. This process includes assessing your income in relation to the state median, as required by 11 U.S.C. § 1322(d), to determine a suitable repayment term of three or five years.

Our goal is to help you establish a manageable repayment plan while ensuring legal protection from creditor collection efforts, giving you the space and security to address your debts effectively. Each step we take is designed to help you regain financial stability with clarity and confidence.

Choosing means gaining a committed partner who will guide you through the complexities of Chapter 13 bankruptcy, working toward a fresh financial start. Contact us today to take the first step toward regaining financial control. We’ll stand by you every step of the way, providing the guidance and support you need to navigate your financial challenges.



3800 North Lamar Blvd # 200
Austin, TX 78756

With a deep sense of justice and a passion to help folks in need, Kannon began practicing family law and criminal defense after passing the bar. He gained valuable experience during those years, but he quickly realized that his skills were better suited for helping people get out of debt.


Owner and Managing Attorney at:



3800 North Lamar Blvd # 200
Austin, TX 78756