A fresh start, done right
Bankruptcy & Debt Relief
Clear guidance for individuals, families, and business owners facing unmanageable debt — from weighing your options to filing the case that gives you a genuine fresh start.
Bankruptcy in Texas
Bankruptcy is not failure; it is a federal tool, written into law, for resolving debt that has become unmanageable. The moment a case is filed, an automatic stay generally stops most collection efforts in their tracks — foreclosures, lawsuits, garnishments, and creditor calls all pause, giving an individual or business room to breathe and a structured way forward. The federal Bankruptcy Code provides the framework; Texas law fills in the crucial details, including the property you are allowed to keep.
Choosing the Right Path
The right relief depends on who is filing and what they need to protect.
For most individuals seeking a clean slate, Chapter 7 offers a discharge of most unsecured debts. A trustee may sell non-exempt assets, but Texas’s exemptions are among the most generous in the country — frequently allowing filers to keep their homestead, vehicles, retirement accounts, and personal property. In practice, many Chapter 7 filers lose little or nothing.
For those with regular income who want to keep assets and catch up over time, Chapter 13 reorganizes debt into a structured three- to five-year repayment plan. It is the path most often used to stop a foreclosure and cure missed payments while holding onto a home.
For businesses and individuals with substantial debt, Chapter 11 allows obligations to be restructured while operations continue, with the goal of emerging as a viable enterprise.
Two Protections Behind Every Filing
Texas exemptions and the automatic stay are what make a fresh start possible.
The thread connecting all three chapters is Texas’s protective exemption scheme — among the most generous in the country, frequently letting filers keep their homestead, vehicles, retirement accounts, and personal property — together with the immediate relief of the automatic stay, which pauses foreclosures, lawsuits, garnishments, and creditor calls the moment a case is filed. Understanding how those protections apply to your situation is the first step toward deciding whether bankruptcy is the right move.
How We Help
Carmona Hull Law Group helps individuals, families, and businesses across Texas confront financial difficulty and find stable footing. We help our clients:
- Evaluate their situation honestly to determine eligibility and the relief that best fits their goals.
- File Chapter 7 cases from petition through discharge, applying Texas exemptions to protect property.
- Handle uncontested Chapter 13 cases, preparing confirmable repayment plans that cure arrearages and protect assets like the family home.
- Invoke the automatic stay and available exemptions to halt collection and safeguard what matters most.
Facing debt takes courage; resolving it takes diligence and care. Our job is to give you a clear, lawful path forward and the confidence of a genuine fresh start.
Wondering whether bankruptcy is the right step?
A confidential consultation is the simplest way to understand your options. We will listen, explain the path that fits your situation in plain language, and help you decide on the next step with confidence — in English or Spanish.
Schedule a ConsultationThis page is a general overview and is educational in nature. It is not legal advice and does not create an attorney–client relationship. Results depend on the facts of each case; no particular outcome is guaranteed.