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…

Life is unpredictable, and even the most financially responsible individuals can find themselves facing overwhelming debt. In Texas, bankruptcy is often misunderstood as a result of personal failure or poor decision-making. In reality, many people who file for bankruptcy are victims of unforeseen events such as sudden illness, job loss, or a failed business venture….

Starting or living through a Chapter 13 bankruptcy can feel overwhelming. You’re committing to a multi-year repayment plan, often while juggling life’s other financial and personal challenges. The good news is that Chapter 13 can be a powerful tool for regaining control of your finances while keeping your home, car, and other essential assets. The…

Heavy debt can make it feel like you’re one step away from losing everything. But filing for Chapter 13 in Texas doesn’t mean giving up your home, your car, or the things you’ve worked hard for. This type of bankruptcy focuses on restructuring your debt (not erasing it all at once like Chapter 7) so…

When you can no longer afford to make all your debt payments, you might file for Chapter 13 bankruptcy to help you resolve your debt situation. But can Chapter 13 erase all your debts? Unfortunately, Chapter 13 bankruptcy does not eliminate all your debts. Instead, it provides you with an opportunity to restructure your debts…

Starting and growing a business in Texas is a major accomplishment, but it often involves taking on financial risk. A common concern among business owners is whether they could be held personally responsible for business debts if things go south. The answer to that question depends largely on the business structure you choose, the nature…

Filing for bankruptcy can provide much-needed financial relief, but what if you’ve filed before? Many people wonder if they can file bankruptcy a second (or even third) time. The answer depends on the type of bankruptcy previously filed, the time that has since elapsed, and your current financial situation.  Toronjo & Prosser Law offers comprehensive…