DFW CONSUMER BANKRUPTCY
A court-supervised repayment plan designed to protect your assets, stop collections, and help you catch up over time.
Housing stability
Chapter 13 can pause foreclosure actions and give you a structured path to catch up on missed payments through a repayment plan.
Simplify payments
Many debts are addressed through a single monthly plan payment administered by the Chapter 13 trustee.
Co-debtor awareness
Chapter 13 includes a special codebtor stay that may protect certain co-signers on consumer debts while your plan is active.
Resolve with structure
If you need time and structure to catch up, Chapter 13 may offer a practical path forward through a court-supervised repayment plan.
Chapter 13 repayment basics
Plan eligibility depends on income stability, debt types, and nonexempt equity. We outline local trustee expectations, timing, and what a confirmable plan typically requires in Dallas–Fort Worth.
Schedule a free consultationIllustrative split based on the Northern District of Texas Chapter 13 share of filings; eligibility depends on individual circumstances.
Source: U.S. Census Bureau, QuickFacts — "Households, 2019–2023" (Dallas County, TX; Tarrant County, TX; Collin County, TX; Denton County, TX). Chapter share: U.S. Bankruptcy Court, Northern District of Texas, "Annual Case Filings by Month & Chapter" (CY 2024 totals).
Automatic stay may pause most lawsuits, foreclosure actions, and repossession attempts while your plan proceeds.
Three-to-five-year plans can provide room to cure arrears while staying current on ongoing payments.
Monthly plan payments route through the Chapter 13 trustee, who distributes funds according to your confirmed plan.
Eligible unsecured balances may be discharged after successful plan completion and required courses.
How we help
Fast responses, transparent steps, and disciplined plan-building keep your Dallas–Fort Worth Chapter 13 on track.
We map income, arrears, secured debts, and priority claims into a plan payment that aligns with Dallas–Fort Worth trustee expectations.
A realistic plan payment supports confirmation and keeps the automatic stay intact. Clear math helps trustees and creditors see how debts are treated.
We document household income, allowable expenses, and disposable income so your plan payment is supported by evidence.
Mortgage arrears, car loans, taxes, and support obligations are sequenced so the plan satisfies required debts first.
Understanding three-to-five-year timelines helps you plan around work, family, and expected income changes before filing.
Collection lawsuits, foreclosure notices, repossession threats, and garnishments are prioritized so stay notices and plan terms hit the right parties fast.
The automatic stay is strongest when creditors and courts are notified quickly. We organize contacts to reduce surprises while your plan is reviewed.
We start with foreclosure, repossession, and garnishment threats, then move to other creditors so coverage is broad.
Correct notice routing helps protect paychecks and property while the plan moves toward confirmation.
We monitor responses and objections so plan terms can be adjusted before confirmation deadlines.
Pay stubs, tax returns, mortgage statements, and car loan histories flow through a secure portal with reminders until your file is complete.
Learn moreClean uploads make trustee review smoother and help avoid last-minute delays or objections that threaten confirmation.
We outline exactly which income, tax, arrears, and asset records you need so nothing is missed.
Early reminders and organized folders keep your petition and plan on schedule and reduce stress before filing.
Everything is shared through encrypted uploads; no loose emails or untracked attachments.
Upgrade to our client portal add-on for guided uploads, real-time status, and secure messaging—keeping every document and update in one place.
When pressure escalates
Two quick scenarios to see where you fit.
Start your fresh start
Tell us how to reach you and what’s pressing. We’ll review, outline next steps, and send a branded welcome email so you know we’re on it.
Secure intake
It’s easy to get started
Upfront expectations
Flat-fee ranges with clear disclaimers. Final quotes depend on complexity, creditor count, assets, and court requirements.
Client voices
Feedback from Chapter 13 clients across Dallas-Fort Worth
Ready when you are
Schedule a free consultation and we’ll outline next steps, fees, and what to expect in Dallas–Fort Worth.
