If you’re considering filing bankruptcy in Texas, you’ll need to understand the types, costs, as well as some helpful advice to finding good attorneys.

Am I Qualified for Bankruptcy?

Filing for bankruptcy is a legal process that allows individuals and businesses to seek relief from overwhelming debt and obtain a fresh financial start. In Texas, as in the rest of the United States, there are certain qualifications and eligibility criteria that individuals must meet to file for bankruptcy. The eligibility requirements and the types of bankruptcy available differ, primarily between Chapter 7 and Chapter 13 bankruptcy.

1. Chapter 7 Bankruptcy:

Chapter 7 bankruptcy, often referred to as “liquidation bankruptcy,” is designed for individuals and businesses that cannot repay their debts and are seeking a complete discharge of most unsecured debts. To qualify for Chapter 7 bankruptcy in Texas, you must meet specific criteria, including:

a. Means Test: The means test is a crucial eligibility requirement for Chapter 7 bankruptcy. It assesses your income and expenses to determine if you have enough disposable income to repay your debts. If your income is below the Texas median income for your household size, you generally qualify. If your income exceeds the median, further analysis of your disposable income and expenses will be necessary.

b. Credit Counseling: Before filing for Chapter 7 bankruptcy, you must complete credit counseling from an approved agency within 180 days before filing.

c. Previous Bankruptcy Discharge: If you’ve previously received a Chapter 7 discharge within the past eight years, you may not be eligible for another Chapter 7 discharge.

d. Financial Management Course: After filing for Chapter 7 bankruptcy, you must complete a financial management course.

2. Chapter 13 Bankruptcy:

Chapter 13 bankruptcy, also known as “reorganization bankruptcy,” is designed for individuals with a regular income who want to create a repayment plan to pay off their debts over a period of three to five years. To qualify for Chapter 13 bankruptcy in Texas, you must meet the following criteria:

a. Regular Income: You must have a steady source of income that allows you to make monthly payments under a court-approved repayment plan.

b. Debt Limits: There are debt limits for Chapter 13 bankruptcy. These limits are adjusted periodically for inflation.

c. Filing Requirements: You must file all required documents, including a proposed repayment plan and a statement of financial affairs, to initiate your Chapter 13 bankruptcy case.

d. Credit Counseling: Similar to Chapter 7 bankruptcy, you must complete credit counseling before filing for Chapter 13 bankruptcy.

e. Payment Plan Approval: Your proposed repayment plan must be approved by the bankruptcy court. It should show that you can reasonably repay your debts over the designated plan period.

f. Financial Management Course: As with Chapter 7 bankruptcy, you must complete a financial management course during your Chapter 13 bankruptcy case.

It’s essential to consult with a qualified bankruptcy attorney in Texas if you’re considering bankruptcy. They can assess your specific financial situation, guide you through the bankruptcy process, and help determine whether Chapter 7 or Chapter 13 is the best option for you. Bankruptcy laws can change, so it’s important to ensure that you have the most up-to-date information when considering bankruptcy as a debt relief option in Texas.

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Do You Need a Lawyer to File For Bankruptcy in Texas?

Filing for bankruptcy in Texas is a legal process that can be complex and involves various requirements and potential pitfalls. While it is not a strict requirement to have a lawyer to file for bankruptcy in Texas, hiring an experienced bankruptcy attorney is strongly recommended for several reasons.

1. Understanding Bankruptcy Laws: Bankruptcy laws in Texas, as in the rest of the United States, are intricate and constantly evolving. Navigating these laws can be challenging for individuals without legal expertise. An experienced bankruptcy attorney can provide you with a thorough understanding of the different chapters of bankruptcy (Chapter 7, Chapter 13, etc.) and help you determine which one is most suitable for your specific financial situation.
2. Filing Procedures: Bankruptcy involves a significant amount of paperwork and strict filing deadlines. A small mistake or omission in your bankruptcy petition can lead to delays, denials, or even dismissal of your case. An attorney will guide you through the entire process, ensuring that all necessary documents are correctly prepared, filed on time, and compliant with bankruptcy court requirements.
3. Asset Protection: Texas has unique exemptions for certain types of property and assets that you can keep in bankruptcy. An attorney can help you maximize the use of these exemptions, protecting your property to the fullest extent possible. Texas offers a choice between state and federal bankruptcy exemptions, and an attorney can advise you on which set of exemptions is more advantageous for your situation.
4. Means Test Analysis: Determining your eligibility for Chapter 7 bankruptcy in Texas often involves passing a means test. This test assesses your income and expenses to determine if you have the financial means to repay your debts. An attorney can help you navigate this complex calculation, ensuring that your income, expenses, and deductions are accurately reported, potentially increasing your chances of qualifying for Chapter 7.
5. Negotiating with Creditors: An experienced bankruptcy attorney can negotiate with creditors on your behalf. They may be able to work out favorable settlements or repayment plans, which can be an alternative to bankruptcy or assist in Chapter 13 bankruptcy plan negotiations.
6. Protection Against Legal Challenges: Creditors may challenge your bankruptcy filing, alleging fraud or other legal issues. Having an attorney by your side will provide you with a strong defense against such challenges. They can also help you address any objections raised during the bankruptcy process.
7. Avoiding Mistakes: Bankruptcy law is filled with potential pitfalls. Individuals who attempt to file bankruptcy on their own may inadvertently make mistakes that can have serious consequences. These mistakes can lead to the loss of property, denial of discharge, or other adverse outcomes. An attorney’s expertise can help you avoid these errors.
8. Guidance Beyond Bankruptcy: A bankruptcy attorney can provide valuable guidance not only during the bankruptcy process but also in rebuilding your financial life after bankruptcy. They can offer advice on budgeting, managing debt, and improving your credit score post-bankruptcy.

Ultimately, consulting with a qualified bankruptcy attorney in Texas is a wise step to take when considering bankruptcy. They can assess your specific financial situation, provide personalized guidance, and help you make informed decisions that align with your long-term financial goals.

Cost to File Chapter 7 Bankruptcy in Texas

The cost to file for Chapter 7 bankruptcy in Texas consists of several components, including court filing fees, mandatory credit counseling and financial management course fees, and attorney fees if you choose to hire legal representation. It’s essential to understand the breakdown of these costs before initiating the bankruptcy process:

1. Court Filing Fees: The primary expense associated with filing for Chapter 7 bankruptcy in Texas is the court filing fee. These fees can change, so it’s crucial to check the current fee schedule on the official website of the U.S. Bankruptcy Court for the Southern District of Texas or consult with your attorney for the most up-to-date information.
2. Credit Counseling and Financial Management Courses: Before filing for bankruptcy, you are required to complete two educational courses:
   • Credit Counseling: This course typically costs between $26 to $60 and is intended to provide you with financial counseling and budgeting advice. You must complete this course from an approved credit counseling agency within 180 days before filing your bankruptcy petition.
   • Financial Management Course: After filing for bankruptcy, you must take a financial management course, which also costs between $24 to $57. This course is designed to help you better manage your finances after bankruptcy.

These fees are generally paid directly to the course providers, and low-income individuals may qualify for fee waivers or reduced costs.

3. Attorney Fees (If Applicable): Hiring a bankruptcy attorney in Texas is an additional cost. Attorney fees can vary widely based on factors such as the complexity of your case, the attorney’s experience, and your location within Texas. It’s essential to discuss fees with potential attorneys upfront and ensure that you have a clear understanding of the scope of services they will provide.

Bankruptcy attorneys typically charge a flat fee for Chapter 7 bankruptcy cases, which can range from $1,260 to $3,780 or more. This fee covers legal representation throughout the bankruptcy process, including preparing and filing your bankruptcy petition, attending meetings of creditors, and providing guidance and support throughout the process. Some attorneys may offer payment plans or reduced fees for individuals with limited financial resources.

Before proceeding with a Chapter 7 bankruptcy filing in Texas, it’s advisable to consult with an experienced bankruptcy attorney. They can provide a detailed breakdown of the costs specific to your case, help you explore your options, and guide you through the entire bankruptcy process, ensuring that you receive the necessary legal assistance while managing the associated expenses.

Cost to File Chapter 11 Bankruptcy in Texas

Filing for Chapter 11 bankruptcy in Texas is a complex and expensive process primarily designed for businesses and individuals with substantial assets and debts. The cost of filing for Chapter 11 bankruptcy can vary significantly based on the complexity of the case, the size of the business, and the nature of the debts. Below, we will break down some of the key expenses associated with filing for Chapter 11 bankruptcy in Texas:

1. Court Filing Fees: The initial court filing fee for a Chapter 11 bankruptcy case can be substantial. These fees can change over time, so it’s essential to check the current fee schedule on the official website of the U.S. Bankruptcy Court for the Southern District of Texas or consult with your attorney for the most up-to-date information.
2. Legal Fees: One of the most significant costs associated with a Chapter 11 bankruptcy case is legal fees. Chapter 11 bankruptcy cases are intricate and require specialized legal expertise. Businesses and individuals typically hire experienced bankruptcy attorneys to navigate the complexities of the process.

The cost of legal representation in a Chapter 11 case can vary widely, depending on factors such as the size and complexity of the debtor’s estate, the extent of creditor involvement, and the level of negotiation required. Legal fees for Chapter 11 bankruptcy cases can range from tens of thousands to hundreds of thousands of dollars or more.

3. Professional Fees: In addition to attorney fees, Chapter 11 cases often require the involvement of other professionals, such as financial advisors, accountants, and appraisers. These professionals assist in the preparation of financial statements, the development of a reorganization plan, and the valuation of assets and liabilities. The fees for these professionals can also be substantial.
4. Court Costs: Throughout the Chapter 11 process, there may be additional court costs associated with motions, hearings, and other legal proceedings. These costs can add up, especially in complex cases with numerous legal actions.
5. Debtor-in-Possession Costs: In many Chapter 11 cases, the debtor continues to operate its business under the supervision of a debtor-in-possession (DIP). The costs associated with DIP management, including salaries, legal fees, and administrative expenses, are typically paid from the debtor’s estate.
6. Plan Confirmation Expenses: Once a reorganization plan is proposed, there may be costs associated with obtaining approval for the plan. This can include the cost of soliciting votes from creditors and the fees for professionals involved in the plan confirmation process.

Given the complexities and costs involved in Chapter 11 bankruptcy, it is strongly recommended to consult with experienced bankruptcy attorneys and financial professionals who can assess your specific situation, provide guidance, and help you navigate the process effectively. These professionals can also provide you with a more accurate estimate of the costs associated with your Chapter 11 case, taking into account the unique factors of your financial situation.

Cost to File Chapter 13 Bankruptcy in Texas

Filing for Chapter 13 bankruptcy in Texas involves various costs, including court filing fees, mandatory credit counseling and financial management course fees, and attorney fees if you choose to hire legal representation. Understanding the breakdown of these costs is crucial before proceeding with a Chapter 13 bankruptcy filing:

1. Court Filing Fees: The primary expense when filing for Chapter 13 bankruptcy in Texas is the court filing fee. Check the current fee schedule on the official website of the U.S. Bankruptcy Court for the Southern District of Texas or consult with your attorney for the most up-to-date information.
2. Credit Counseling and Financial Management Courses: Similar to Chapter 7 bankruptcy, individuals filing for Chapter 13 bankruptcy in Texas are required to complete two educational courses:
   • Credit Counseling: This course typically costs between $28 to $58 and provides financial counseling and budgeting advice. You must complete this course from an approved credit counseling agency within 180 days before filing your Chapter 13 bankruptcy petition.
   • Financial Management Course: After filing for Chapter 13 bankruptcy, you must take a financial management course, which also costs between $32 to $65. This course is designed to help you manage your finances effectively during and after the bankruptcy process.

These fees are generally paid directly to the course providers, and low-income individuals may qualify for fee waivers or reduced costs.

3. Attorney Fees (If Applicable): Many individuals choose to hire a bankruptcy attorney to guide them through the Chapter 13 bankruptcy process. Attorney fees for Chapter 13 cases can vary based on factors such as the complexity of your case, your location within Texas, and the attorney’s experience. Attorneys typically charge a flat fee for Chapter 13 representation, which can range from $2,682 to $4,320 or more.

Hiring an attorney can be particularly beneficial in Chapter 13 cases, as they can help you develop a feasible repayment plan, negotiate with creditors, and navigate the legal complexities of the process.

4. Trustee’s Fees: In a Chapter 13 bankruptcy, a trustee is appointed to oversee your case and distribute payments to creditors under your court-approved repayment plan. The trustee is entitled to a fee, which is typically a percentage of the payments made to creditors. These fees are included in your Chapter 13 plan payments, and you don’t pay them directly.
5. Plan Payments: In a Chapter 13 bankruptcy, you are required to make monthly plan payments to the trustee, who then distributes these payments to your creditors as outlined in your court-approved repayment plan. The amount of your plan payments will depend on your income, expenses, and the terms of your plan.

It’s important to consult with a qualified bankruptcy attorney in Texas if you are considering Chapter 13 bankruptcy. They can provide a detailed breakdown of the costs specific to your case, help you create a feasible repayment plan, and guide you through the entire bankruptcy process, ensuring that you have the necessary legal assistance while managing the associated expenses.

Reliable Bankruptcy Attorneys in Texas

Below is a list of reputable bankruptcy attorneys in Texas. They can help you with both personal and business bankruptcy information.

Lee Bankruptcy Law Firm
4228 N Central Expy Suite 340, Dallas, TX 75206, United States

Erin B. Shank, PC.
1711 E Central Texas Expy, Killeen, TX 76541, United States

Law Office of Marilyn D. Garner
2001 E Lamar Blvd #200, Arlington, TX 76006, United States

Fred E. Walker, Attorney at Law
108 Wild Basin Rd S Suite 250, Austin, TX 78746, United States

Allmand Law
8350 N Central Expy Suite 1200, Dallas, TX 75206, United States

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Austin

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San Antonio

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Dallas

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Houston

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El Paso

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Fort Worth

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Denton

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McAllen

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Plano

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Garland

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Arlington

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Laredo

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McKinney

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Irving

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Amarillo

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Frisco

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Grand Prairie

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Pearland

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Brownsville

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Killeen

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Pasadena

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Waco

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Carrollton

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Midland

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78871, 75770, 78561, 75849, 78843, 75166, 79530, 79053, 77573, 78873, 78641, 78645, 78946, 75451, 78122, 79054, 77350, 79240, 78050, 79749, 75850, 75452, 76654, 79336, 75067, 75077, 75057, 78947, 77575, 78642, 76061, 78948, 75771, 75563, 76250, 78563, 76462, 79056, 77454, 75068, 76554, 79339, 77577, 77351, 78643, 78644, 79241, 76852, 77971, 76853, 76854, 75453, 75668, 75669, 75604, 75605, 75602, 75601, 75603, 79342, 78564, 79532, 76655, 79343, 78565, 78566, 78567, 76656, 77455, 75851, 76460, 79533,

75904, 75901, 78648, 77657, 78569, 78052, 75147, 77864, 77354, 77355, 75148, 76660, 78652, 78653, 76063, 77578, 79344, 79842, 78654, 78657, 79843, 75566, 78124, 77456, 76661, 77865, 75670, 75672, 76664, 78655, 79535, 76856, 79058, 79244, 77457, 78368, 75567, 78656, 76857, 76064, 79752, 79534, 78650, 76657, 75071, 75069, 75565, 78123, 79243, 77973, 79057, 79345, 78055, 76370, 75454, 76858, 79245, 76859, 79754, 78570, 76940, 76665, 79536, 76666, 76941, 75150, 75149, 75181, 75180, 76667, 77974, 79059,

78056, 77458, 79755, 76065, 75852, 75959, 76556, 76861, 76670, 76862, 76066, 75773, 78125, 76067, 76463, 78369, 78572, 78574, 78573, 77459, 77489, 79061, 79756, 77580, 76251, 75853, 77356, 77316, 76557, 78057, 76464, 76671, 79062, 79346, 75960, 77975, 76673, 75681, 75455, 75457, 78058, 76252, 78949, 79347, 76864, 77867, 76371, 75778, 76253, 75964, 75965, 75961, 75962, 77460, 75568, 75569, 78059, 76127, 77868, 79063, 75779, 77627, 77461, 76070, 75173, 75570, 78130, 78132, 77357, 79350, 75682, 75780,

78950, 77358, 76071, 76372, 75966, 78140, 76255, 79537, 76559, 77629, 78141, 77871, 78142, 76180, 76182, 77872, 76865, 79759, 79538, 77976, 79539, 77359, 78951, 78060, 75855, 79247, 78370, 79762, 79763, 79761, 79764, 79765, 79766, 79351, 76561, 78371, 76373, 79540, 76466, 78575, 76374, 79064, 75571, 77360, 77630, 77632, 78372, 77464, 75683, 79770, 79541, 75684, 76943, 79248, 78659, 76866, 77465, 75803, 75801, 75152, 76484, 79065, 78143, 79068, 78144, 76073, 75460, 75462, 77466, 75468, 78145, 78061,

75469, 79772, 76676, 78576, 75856, 79353, 76486, 79070, 79250, 76377, 78146, 75470, 78660, 78577, 75471, 77467, 76258, 77362, 75968, 78063, 75686, 77977, 79355, 79072, 77363, 78064, 77468, 75472, 77978, 77364, 75969, 76259, 76869, 76487, 78373, 77642, 77640, 77650, 78578, 77979, 78598, 77651, 77982, 77365, 78374, 79356, 78065, 78147, 75076, 76565, 75473, 75153, 76678, 78661, 77446, 78375, 79845, 76870, 75407, 78579, 75078, 76679, 76566, 76469, 79777, 79251, 79252, 75572, 78877, 75474, 79255, 75783,

76077, 79357, 75475, 76470, 79778, 79366, 75858, 75476, 78580, 76680, 78376, 75154, 78662, 79846, 75573, 78377, 75784, 76078, 75155, 77873, 75080, 75081, 75082, 76681, 76871, 77407, 77469, 77406, 76682, 76261, 78879, 78582, 78583, 78066, 76093, 76471, 77367, 78379, 76262, 79256, 76945, 78380, 79543, 76872, 79544, 77470, 76567, 78382, 78880, 75087, 75032, 76873, 76569, 78584, 77368, 76874, 79358, 78953, 79545, 76570, 77471, 77583, 75157, 76263, 79546, 78663, 78664, 78681, 78954, 76875, 75089, 75088,

75477, 75189, 79547, 79548, 78151, 75785, 77369, 78881, 77655, 75048, 75788, 76264, 78152, 76265, 76571, 78585, 79847, 75478, 76904, 76901, 76903, 76905, 75972, 78586, 78384, 79849, 77473, 78588, 78589, 78666, 78590, 76877, 78067, 79848, 78383, 78665, 79078, 76266, 76878, 78591, 77510, 77517, 78592, 78593, 76472, 79780, 77585, 78385, 76685, 75479, 78154, 78956, 76573, 76379, 75480, 75158, 77586, 77983, 75159, 79359, 77474, 78594, 78155, 79360, 76380, 79363, 79079, 79781, 75973, 77371, 76311, 77475,

75090, 75092, 77984, 77876, 76474, 79851, 77656, 76949, 79257, 75574, 77476, 78387, 79080, 78389, 79364, 78159, 78957, 79367, 77878, 79549, 78069, 77879, 76950, 77659, 76481, 77587, 78597, 79258, 76092, 76268, 79369, 79081, 78669, 77372, 77379, 77373, 77386, 77388, 77382, 77389, 77381, 77380, 78070, 79082, 76082, 79370, 77660, 77477, 79553, 79782, 78670, 76401, 76402, 76951, 79083, 78160, 78671, 77661, 79084, 76475, 75859, 79371, 77479, 77478, 78595, 75481, 75482, 79085, 75486, 79372, 75182, 79086,

76270, 78161, 77480, 77987, 79556, 79560, 78390, 79373, 75487, 76882, 78883, 79783, 75691, 76574, 75860, 76686, 75488, 77988, 79259, 76502, 76504, 76501, 76508, 75974, 75861, 76953, 79852, 75160, 75161, 75501, 75503, 77590, 77591, 79087, 75056, 77374, 77481, 76577, 76687, 76578, 78071, 76483, 78072, 75975, 76271, 77990, 79376, 76476, 75489, 77375, 77377, 79853, 78672, 79785, 79561, 75490, 75163, 75862, 75789, 76579, 78162, 79088, 79261, 79562, 79563, 75703, 75701, 75702, 75707, 75706, 75704, 75708,

75709, 75705, 78391, 79091, 78148, 78150, 78884, 78801, 78802, 79854, 76884, 76689, 76885, 76272, 75790, 75495, 79855, 77482, 76955, 77991, 78885, 79092, 76084, 76384, 77901, 77904, 77905, 77662, 77663, 76887, 78073, 76888, 77376, 77483, 78959, 79093, 76957, 77484, 77485, 77597, 76690, 77664, 77880, 75692, 76958, 75165, 75167, 79094, 76087, 76086, 76088, 76085, 77598, 77993, 78962, 76388, 79377, 79095, 79378, 75976, 78596, 76691, 77486, 78963, 79565, 77994, 77488, 79096, 79097, 75693, 79379, 75791,

76273, 75491, 79380, 76692, 78075, 76490, 76308, 76310, 76306, 76301, 76302, 76309, 76305, 79788, 75977, 79098, 77378, 77318, 78675, 75169, 75172, 79381, 78676, 75492, 76389, 75493, 79566, 79789, 77665, 75494, 75792, 79567, 75978, 75496, 79382, 78393, 76491, 75979, 76712, 76693, 78677, 75098, 78886, 75497, 77995, 78164, 78076, 75980, 76890

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