Bankruptcy Attorney in Texas to Stop Debt Lawsuits
We make bankruptcy simple so you can breathe easy again.
Do you have too much debt looming over your head, haunting your every move? Many people find themselves so deep in debt that they can’t dig themselves out again. In these cases, a bankruptcy attorney can help you find relief and get a fresh start.
Depending on your circumstances, filing for bankruptcy can stop a creditor’s lawsuit, let you keep your house, and cancel many of your outstanding debts.
Our team at Heston Law Firm is here to help you if you’re facing bankruptcy. As experienced debt attorneys, we work with you to find the right solutions for your situation and provide services throughout the process. If you’re considering bankruptcy because of mounting debts, contact us now for a free consultation with our professionals.
When to Consider Hiring a Bankruptcy Lawyer
If you have more debt than you can reasonably pay off, it may be a huge stressor. You may have debt collectors hounding you while you’re struggling to pay everyday bills and put food on the table. No one should have to suffer through these struggles. In these cases, filing for bankruptcy may be an option to help you get back on your feet without all the worries around debt.
Our bankruptcy attorneys offer years of experience to help you if you’re struggling with too much debt. We can talk you through the pros and cons and discuss alternatives that may work for you. If bankruptcy is a good option, we also help you file the paperwork and walk you through the process to make it simple and convenient for a stress-free bankruptcy process.
With a Chapter 7 bankruptcy, you can be free from debts like:
- Credit card bills
- Collection agency accounts
- Medical bills
- Personal loans
- Past due utility bills
- Past due rent
- Overpayments for government programs like:
- Welfare
- Social security
- Veterans assistance programs
How Chapter 7 Bankruptcy Works
There are many advantages of filing for bankruptcy if you have too much debt to pay off, including:
- Immediately stopping debt collection efforts
- Protecting important property like homes and cars
- Discharging debt
Our bankruptcy attorneys can help you get the fresh start you need if you’re struggling to pay back debt. We offer a variety of services if you’re facing bankruptcy. Our team can fill out and file the paperwork such as bankruptcy exemptions, help you understand the process, and work with you to protect your property and rights so you can truly start again afterward.
Get Legal Help for Bankruptcies in Texas from Heston Law Firm
Trust our debt attorneys at Heston Law Firm to help you with bankruptcy filing and proceedings. We work with people just like you every day to file for Chapter 7 bankruptcy so they can start off on the right foot again. Bankruptcy may seem scary, but it’s often the right choice if you can’t pay back your debts. We’re here to help you do it right so you can live without that weight on your shoulders.
Get in touch now for a free consultation to discuss your options with our legal team.
FAQs
Chapter 7 bankruptcy provides immediate relief by initiating an “automatic stay,” which legally stops debt collection efforts, including phone calls, letters, and pending lawsuits. It allows individuals to discharge or cancel unsecured debts such as credit card bills, medical bills, and personal loans. By working with a bankruptcy attorney in Texas, you can navigate the filing process to ensure your qualifying debts are eliminated, giving you a financial fresh start.
Yes, filing for bankruptcy is one of the most effective ways to stop a debt lawsuit immediately. Once your petition is filed, federal law prevents creditors from continuing legal action against you. This includes stopping the progression of a lawsuit and preventing the entry of a default judgment. A Texas bankruptcy lawyer can help you use this legal tool to protect your assets and halt aggressive litigation from collection agencies.
Texas offers generous bankruptcy exemptions that often allow you to keep essential property, including your primary residence (homestead), your vehicle, and necessary personal belongings. An experienced bankruptcy attorney will help you apply these exemptions to protect your home and car from being liquidated to pay creditors. The goal of the process is to help you discharge debt while maintaining the assets you need to rebuild your life.
In a Chapter 7 bankruptcy, most unsecured consumer debts are fully discharged. This includes unpaid medical bills, credit card balances, collection agency accounts, and even certain overpayments for government programs like social security or veterans assistance. However, some debts like recent taxes or child support may not be eligible. Consulting a debt attorney is the best way to determine which specific liabilities can be canceled in your case.
You should consider hiring a bankruptcy lawyer if your total debt exceeds your ability to pay and you are facing constant harassment from creditors or active legal summons. Unlike debt settlement, which can take years and carries tax implications, bankruptcy provides a court-ordered discharge of debt and immediate legal protection. A top bankruptcy attorney in Texas can evaluate your financial situation to see if a fresh start through Chapter 7 is a more permanent and secure solution than temporary settlement options.