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Filing for Chapter 13 bankruptcy in Texas

Many Texas residents encounter serious financial problems and consider a Chapter 13 bankruptcy after a setback such as an illness, injury or layoff. You may be thinking about taking this path if your income disqualifies you from filing a Chapter 7 bankruptcy, or you may be contemplating a Chapter 13 bankruptcy because you have assets, such as a home or motor vehicle, that you would like to hold onto.

A Chapter 13 bankruptcy involves consolidating outstanding debts and making payments according to a court-approved schedule. These payments may be far less than your current obligations. You may have heard that a person filing a Chapter 13 bankruptcy must pay back the majority of their credit card debt, but this is not always true. If you decide to pursue this option, it is possible that most of your remaining unsecured debt will be discharged after completion of the plan.

Some people put off filing for bankruptcy because they are worried about damaging their credit and being unable to qualify for loans or credit cards in the future. However, you may actually be able to improve your credit score after your debts have been discharged through Chapter 13.

Our experienced bankruptcy attorneys can explain the various debt relief options available to you and recommend a course of action based on your specific situation. While a bankruptcy may not be appropriate for every individual struggling with unmanageable levels of debt, it will put a halt to creditor harassment and collection efforts. It can also provide you with the opportunity for a financial fresh start. If you would like to learn more about the process, please visit our page on Chapter 13 bankruptcy.

Source: Pelley Law Office, L.L.P., "Dallas Chapter 13 Bankruptcy lawyers ", December 01, 2014

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