If you’re considering both a bankruptcy and a divorce, the top question on your mind is likely: “Which do I file first?” Get the order wrong, and the consequences can be far-reaching. A bankruptcy filed at the wrong moment can freeze your property division for months, pull the house the divorce court just awarded you…

Chapter 13 bankruptcy can help you stop collection actions, catch up on secured debts, and keep property while repaying creditors through a court-approved plan. For many Texans, its greatest advantage is the chance to protect a home or vehicle without paying every unsecured debt in full. Understanding the pros and cons can help you evaluate…

The value of your cryptocurrency can swing by thousands of dollars in a single week, and that volatility can make or break a bankruptcy filing. In Texas, crypto is treated as property you own, so you must disclose it and follow the rules for protecting it. Handled well, many filers move through a Chapter 7…

If you have filed for bankruptcy in Texas, or you are about to, one appearance tends to cause the most worry: the 341 meeting of creditors. Here is the reassuring reality. It is not a court hearing, no judge attends, and in most consumer cases it is a short video call where a trustee confirms…

Yes. Buy now, pay later balances from providers like Klarna, Afterpay, Affirm, and Sezzle are treated as ordinary unsecured debt in bankruptcy, the same category as credit cards and medical bills. In a Chapter 7 case, those balances are typically wiped out completely. In Chapter 13, they are folded into your repayment plan, and whatever…

The biggest worry about Chapter 13 is usually this: if I am filing because I cannot afford my debts, how do I afford the lawyer? The honest answer is that you pay far less upfront than you might expect. The court charges a $313 filing fee, and most Dallas attorneys charge $3,000 to $5,000 in…

Yes — filing for bankruptcy can stop a bank levy and potentially unfreeze a frozen account in Texas. The moment you file, the automatic stay goes into effect, immediately halting most collection actions, including active garnishments and bank levies. For Dallas residents dealing with a frozen account, timing is everything. The sooner you act, the…

When only one spouse files for bankruptcy in Texas, the other spouse’s joint debt does not disappear. The filing spouse receives a discharge, which means they are no longer personally responsible for that debt. The creditor can still pursue the non-filing spouse for the full balance. Texas is a community property state, which means most…

Yes, filing for bankruptcy in Texas can stop most wage garnishments — often immediately. The moment you file, a federal protection called the automatic stay goes into effect, legally requiring creditors to halt all collection activity, including any active garnishment order. There are important exceptions: garnishments tied to child support, spousal maintenance, and certain government…

For many Texans struggling with debt, the constant phone calls, letters, and threats from creditors are often the most stressful part of financial hardship. Every ring of the phone can bring a new wave of anxiety. What many people don’t realize is that filing for bankruptcy offers immediate protection from this kind of harassment. Once…