BANKRUPTCY ATTORNEY AUSTIN TX
Debt can become overwhelming — medical bills, credit card debt, job loss, or a failed business. Texas and federal bankruptcy law provide powerful relief options: Chapter 7 (liquidation) wipes out most unsecured debts in 4–6 months; Chapter 13 (reorganization) lets you keep your assets while repaying debts over 3–5 years. Texas has some of the strongest debtor protection laws in the country, including an unlimited homestead exemption. Our Austin bankruptcy attorneys help you understand your options and get a fresh start.
What We Can Do For You
Chapter 7 bankruptcyLiquidation bankruptcy that discharges most unsecured debts — credit cards, medical bills, personal loans — in 4–6 months
Chapter 13 bankruptcyReorganization plan allowing you to keep assets while repaying debts over 3–5 years — protects home from foreclosure
Automatic stayFiling immediately stops all collection calls, lawsuits, garnishments, and foreclosure proceedings
Texas homestead exemptionUnlimited exemption for your primary residence — Texas has the strongest homestead protection in the country
Discharge of medical debtMedical bills are dischargeable unsecured debt — a major driver of Austin-area bankruptcy filings
Business bankruptcyChapter 7 and Chapter 11 options for Austin businesses and sole proprietors
Key Information
1
U.S. Bankruptcy Court (W.D. Tex.)
903 San Jacinto Blvd, Suite 322, Austin — all Austin-area bankruptcy cases are filed and heard here.
2
Chapter 7 Meeting of Creditors
Held at the Austin bankruptcy courthouse — typically 5–10 minutes, your attorney attends with you.
3
Chapter 13 Trustee Office
Chapter 13 plans are administered by the standing Chapter 13 trustee for the Austin division of the Western District.
4
Credit Counseling
USBC requires credit counseling from an approved agency within 180 days before filing — our office provides referrals.
What You Should Know
Consult an Austin bankruptcy attorney immediately after any bankruptcy matter
Document all evidence, communications, and relevant records from the start
Know your deadlines — statutes of limitations and filing deadlines are strict in Texas
Understand that a free consultation costs nothing and protects your rights
The contingency fee structure means your attorney is motivated to maximize your outcome
Early intervention dramatically improves results in almost every legal matter
Frequently Asked Questions
What debts can be discharged in Chapter 7 bankruptcy?▾
Most unsecured debts — credit cards, medical bills, personal loans, and utility arrears — are dischargeable. Student loans, recent taxes, child support, and alimony generally cannot be discharged.
Will I lose my home in bankruptcy?▾
Texas's unlimited homestead exemption protects your primary residence in Chapter 7 as long as you are current on your mortgage. Chapter 13 also allows you to catch up on missed payments and save your home from foreclosure.
What is the means test for Chapter 7?▾
Chapter 7 requires passing a means test — your income must be below Texas's median for your household size, or you must show your disposable income after allowed expenses is insufficient to repay debts.
How long does bankruptcy stay on my credit report?▾
Chapter 7 stays on your credit report for 10 years; Chapter 13 for 7 years. However, many clients begin rebuilding credit within months of discharge.