Truth 1
You’re Not Alone in This
Many people wait years to ask for help, then say their only regret is not filing sooner. You are using a legal tool to move on.
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Real Relief, Real People
Demystifying Bankruptcy
If you’re thinking about bankruptcy, you’re probably stressed, scared, and getting a lot of mixed messages. The truth? Bankruptcy is a legal tool created to give honest people a second chance after job loss, medical bills, divorce, or other life events, not a punishment. Most of our clients keep the things they need to live and work, and many start rebuilding their credit sooner than they expected.
Swipe through to see a few quick truths about what bankruptcy really means for you.
Quick truths that calm the myths:
Truth 2
You Don’t Lose Everything
Exemptions are designed so most people keep essentials like a home, car, and everyday belongings while they rebuild.
Truth 3
Bankruptcy Is a Legal Reset
Job loss, medical bills, divorce, or business setbacks happen. Bankruptcy stops collections and gives honest people a structured fresh start.
Truth 4
Your Credit Can Rebound Faster Than You Think
Many people see scores rise within 12–18 months and reach the 700s again in about 1–2 years with good habits after filing.
Truth 5
Bankruptcy Doesn’t Block Home or Car Ownership
People often qualify for car loans and government-backed mortgages again after waiting periods, sometimes as soon as one to two years.
Truth 6
Chapter 13 Can Be a Structured Reset
One affordable, court-approved payment replaces scattered bills. No collection calls, no new interest on covered debts, and a clear finish line.
Truth 7
Peace of Mind Comes Back
Clients tell us they finally sleep, money goes to living instead of interest, and they can plan again. Relief is a common outcome.
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Advocates For Debt Relief Through Bankruptcy
Your Dallas–Fort Worth Fresh Start Team
Explore four reasons Dallas-Fort Worth families trust us with their fresh start. Click a side to pause it.
Born in Dallas. Built for DFW.
Our bankruptcy team was born and raised in the Dallas–Fort Worth area. We understand the local courts, trustees, and Texas exemption laws inside and out. We’re not a national call center - we are your neighbors, fighting to protect DFW families.
- DFW-focused Texas bankruptcy representation
- Local insight into housing, wages, and creditor behavior
- Strategies shaped by real Dallas–Fort Worth experience
Exceptional Bankruptcy Results.
When you qualify for Chapter 7 and your case is properly prepared, more than 95–99% of cases that reach the discharge stage wipe out qualifying unsecured debts.
No attorney can guarantee a specific outcome, but careful preparation, honest disclosures, and a focused strategy give you an excellent chance at a real financial reset.
- Stop most collections, lawsuits, and wage garnishments.
- Eliminate overwhelming credit card and medical debt.
- Start rebuilding your credit with a clean slate.
Modern Approach. Real Solutions.
Filing bankruptcy doesn’t have to be confusing or chaotic. We use modern tools to simplify every step so you always know what’s next.
No jargon. No judgment. Just clear timelines, secure tech, and a team that keeps you updated in real time.
- Encrypted digital client portal
- Instant document checklists and reminders
- Real-time updates from a Dallas-based team that cares
Unmatched Client-First Service.
We deliver the kind of service big firms promise but rarely deliver: real communication, fast follow-ups, and clear guidance at every step.
- Free, no-obligation DFW bankruptcy consultation
- Transparent flat fees and flexible payment options
- Secure online intake and easy document uploads
Ready to explore your options? Schedule your free DFW bankruptcy strategy session.
Confidence before you file
Financial insecurity does not have to continue disrupting your life, filing for bankruptcy with our trusted team of lawyers will give you a fresh start.
Our team of lawyers specialize in Chapter 7 and Chapter 13 bankruptcy cases. Whether you owe tens of thousands of dollars, hundreds of thousands of dollars or more, if you qualify, you will be in great hands. Your debt will be forgiven and no longer your responsibility. It's time to take control of your life and achieve financial freedom.
Chapter 7 Bankruptcy Relief
Chapter 7 allows qualifying DFW Texans to quickly eliminate overwhelming unsecured debt while protecting the essentials you need to rebuild. Our attorneys guide you through every document, timeline, and court appearance so you can focus on stabilizing your finances.
Schedule a free consultationChapter 13 Repayment Plans
Chapter 13 gives wage earners room to reorganize debt through a manageable three-to-five-year repayment plan. We help you protect homes and vehicles, negotiate realistic payments, and satisfy the court so you can rebuild confidently.
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Personalized relief
Our Bankruptcy Service Is The Fresh Start You Need
One focused Dallas-Fort Worth team, clear timelines, and a plan tailored to your situation.
Take the first stepData to ground your options
Bankruptcy In Context
See how many DFW residents could benefit from Chapter 7 or Chapter 13 relief and how quickly credit can rebound.
DFW Debt Distress vs. Bankruptcy Filings
Credit scores affected by bankruptcy rebound quickly. File and see your score rise.
Life after bankruptcy doesn’t mean credit exile. Median scores jump roughly 80+ points within a year of discharge and keep climbing as debts disappear. The sooner you file, the sooner your score starts tracking the same upward curve.
Credit Recovery After Bankruptcy
Fresh start services
Which Fresh Start fits your situation?
Hover or tap to expand a path and jump straight to the relief that matches your goals.
Erase unsecured debt fast
Chapter 7 Relief
Qualify for liquidation and wipe out credit card or medical balances in about four months while protecting essentials under Texas exemptions. This fast Chapter 7 bankruptcy option helps Dallas-Fort Worth residents get immediate debt relief and a clean slate. We confirm eligibility and protect what matters most.
Restructure with protection
Chapter 13 Plan
Consolidate debt into one affordable court-approved payment, catch up on arrears, and keep homes and vehicles while interest stops. A Chapter 13 plan can stop foreclosure, protect equity, and create a clear repayment path. Ideal for DFW families who need structure and time.
Protect your paycheck
Stop Wage Garnishment
File and trigger the automatic stay to halt garnishments, giving you room to budget and handle debts without losing critical income. Bankruptcy can stop creditor actions fast so you keep more of your paycheck for essentials. Get Dallas-Fort Worth wage garnishment relief with a plan that protects your future.
Pause the sale clock
Stop Foreclosure
Use bankruptcy protections to halt a looming sale date, propose a catch-up plan, and keep your home while negotiations continue. Chapter 13 can spread missed payments over time so you can reinstate and stay put. Built for DFW homeowners who need time and leverage.
Keep the keys
Stop Repossession
Freeze repo actions, spread missed payments over time, and protect the vehicle that keeps you working and caring for your family. Chapter 13 can stop a tow, bring the account current, and reduce lender pressure. Get Dallas-Fort Worth repossession help and keep the keys.
Guidance for every step
The Fresh Start Process
Compare the Chapter 7 and Chapter 13 timelines, then open the one that matches your situation to see every milestone from start to discharge.
Big picture timeline
How Chapter 7 usually unfolds
Every case has its own twists, but most Texans experience Chapter 7 in the same steps. Use this as a reassuring guide, not rigid instructions.
1 / 7
Before filing (0–6 months out)
Preparing to File
Meet with a bankruptcy attorney for a free consultation, complete the short credit-counseling course, and gather pay stubs, tax returns, and a list of what you owe and own.
Nothing is filed yet. You're still exploring your best option. If you and the attorney come to the conclusion that you should file, the sooner you file the better.
2 / 7
Day 1
File and get protected
Your attorney files the petition, the court generates a case number, and the automatic stay freezes most collection activity immediately. Expect a mix of nerves and relief; you just took control.
3 / 7
Days 1–14
Finish the paperwork
You may upload a few final pay stubs, bank statements, or your counseling certificate. The legal team usually tracks the deadlines so you can breathe.
4 / 7
Days 20–40
Trustee review + 341 meeting
The trustee quietly reviews your file and you attend a short “meeting of creditors” (often virtual). It’s a quick Q&A to confirm your documents.
5 / 7
Days 50–90
Intentions and second course
If you have secured debts, you tell the court whether you’ll keep, redeem, or surrender the property. You also take a short financial management class focused on life after bankruptcy.
6 / 7
Around day 90–110
Discharge granted
Assuming every requirement is met, the judge signs a discharge order wiping out qualifying debts. Keep the order handy, it's proof your balances were forgiven.
7 / 7
Life after discharge
Rebuilding & momentum
The bankruptcy stays on your credit report, but scores often rebound quickly. Use secured cards or small loans, stash an emergency fund, and check in with your attorney for next-step ideas.
Chapter 7 exists to give Texans a fair restart—you don’t have to face it alone.
Big picture timeline
How Chapter 13 keeps you protected
Chapter 13 is a structured repayment plan. You keep property, catch up on arrears, and make one court-approved payment for 3–5 years under the court’s protection.
1 / 9
Before filing (0–6 months)
Decide if Chapter 13 fits
Meet with an attorney to review your income, expenses, assets, and what you need to save. Take the required credit counseling class and gather pay stubs, tax returns, and loan statements.
You’re still in planning mode here. Nothing is filed without a workable game plan.
2 / 9
Day 1
File the case + proposed plan
Your attorney files the petition and a Chapter 13 plan. The automatic stay stops foreclosures, repossessions, garnishments, and creditor calls so you can focus on the plan itself.
3 / 9
Days 1–30
Begin payments & fine-tune
Plan payments to the trustee usually start within 30 days even before the judge approves the plan. Your attorney can tweak the plan if new information surfaces.
4 / 9
Days 20–50
Meeting of creditors (341)
You attend a short phone or video meeting with the trustee to confirm your paperwork. Creditors can show up but rarely do. Most people leave saying, “That was it?”
5 / 9
Months 2–4
Plan confirmation
The judge reviews the plan. Your attorney and trustee iron out any adjustments so the payment, timeline (3–5 years), and debt treatment are locked in. Often you don’t need to appear.
6 / 9
Months 1–36/60
Work the plan
Make the single trustee payment, stay current on ongoing bills like your mortgage, and keep your attorney posted if income or expenses change. The trustee distributes funds to creditors per the plan.
7 / 9
During the plan
Financial management course
Complete the second required course on budgeting and rebuilding credit. It’s brief, but it reinforces the habits that keep you on track after the plan ends.
8 / 9
Plan completion
Discharge + fresh start
After the final payment and required obligations (like support) are current, the court issues a discharge. Remaining eligible unsecured debts are wiped out and arrears are cured.
9 / 9
Life after Chapter 13
Structure pays off
Credit reports show that you completed a long-term plan, which many lenders view positively. With the budgeting skills and discipline you’ve built, you’re ready to save, rebuild credit, and move forward.
Chapter 13 isn't a punishment; it's a supervised path out of chaos.
Client voices
People like you, feeling the relief
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The DFW has a debt problem. Filing for bankruptcy could be your solution.
More than 2 million adults across DFW are already behind on bills, yet only a few thousand file Chapter 7 or Chapter 13 each year. The graph highlights just how common financial distress is, and how much relief is left on the table for people just like you.