Filing a Chapter 13 in Texas

Chapter 13 bankruptcy is a reorganizational proceeding.  With our help, you will propose a plan of reorganization that, over a period of 3 to 5 years, enables you to get back on your feet.  Chapter 13 helps you catch up on mortgage debts, pay vehicle debts and other secured debts.  Also, Chapter 13 is very useful if you owe money to the IRS or credit card companies because it can stop penalty and interest from accruing.

Types of debts:  There are two types of debts: (1) unsecured debts, and (2) secured debts.

Unsecured debts are those debts that are not secured by a collateral. Examples of unsecured debts are: credit card debts, signature loans, medical bills, student loans, etc.  Secured debts are those debts which are secured by a collateral. Examples of secured debts are: home mortgage debts, vehicles loans, furniture loans, major appliances loans, etc.

A Chapter 13 case has twelve major stages. Those are:

  1. Office Consultation.
  2. Retaining the Firm.
  3. Credit Counseling.
  4. Preparation of Legal Documents.
  5. Filing the Case.
  6. The Automatic Stay.
  7. Comencement of Chapter 13 Plan Payments.
  8. Meeting of Creditors.
  9. Personal Financial Management Class.
  10. Confirmation Hearing.
  11. Claims Objection Process.
  12. Discharge.

We also have the answers to COMMON QUESTIONS AND CONCERNS about filing Chapter 13.

This section addresses most of the questions our clients have when they are thinking about filing a Chapter 13 bankruptcy.

Should you have any further questions or wish to schedule a consultation, please call us at the phone number listed for your general area.

Arlington, Fort Worth, Mid-Cities and surrounding areas: (817) 358-9977

Weatherford, Palo Pinto, Mineral Wells areas: (817) 599-6780

Stephenville, Glen Rose, Lipan areas: (254) 918-0717

View maps to the bankruptcy courts