Frequently Asked Bankruptcy Questions
General answers about Chapter 7, Chapter 13, creditor calls, property concerns, consultations, and bankruptcy options in the Dallas/Fort Worth area.
Bankruptcy questions often come at a stressful time.
The answers below are general information only. The right answer in any case depends on the facts, including income, debts, assets, timing, and prior filings.
What is the difference between Chapter 7 and Chapter 13?
Chapter 7 is often focused on discharging eligible debts, while Chapter 13 involves a court-approved repayment plan. Chapter 7 may be shorter, while Chapter 13 may help people catch up on certain debts over time. The right option depends on eligibility, income, property, debt type, and goals.
Can bankruptcy stop creditor calls?
In many cases, filing bankruptcy triggers an automatic stay that can stop many collection actions. The automatic stay has limits and exceptions, especially if there have been prior bankruptcy filings or certain types of debts.
Can bankruptcy stop a lawsuit or wage garnishment?
Bankruptcy may stop many lawsuits and garnishments through the automatic stay, but timing and details matter. If there is an active lawsuit or garnishment, speak with an attorney promptly.
Can bankruptcy stop foreclosure or repossession?
Bankruptcy may help in some foreclosure or repossession situations, especially when timing allows and the selected chapter fits the facts. Chapter 13 may be considered when someone needs time to catch up on payments. Do not wait until a deadline has passed.
Will I lose my house or car?
Not necessarily. Property outcomes depend on exemptions, equity, liens, loan status, payment history, and the chapter filed. This should be reviewed carefully before filing.
Do I need to know whether I want Chapter 7 or Chapter 13 before calling?
No. Many people start with questions. An attorney can help you understand what information is needed to evaluate available options.
What debts can be discharged?
Many unsecured debts may be dischargeable, but not all debts are treated the same. Certain taxes, domestic support obligations, student loans, criminal fines, and debts involving fraud or other exceptions may require special review.
How long does bankruptcy take?
Chapter 7 is often shorter than Chapter 13. Chapter 13 generally involves a multi-year repayment plan. The exact timeline depends on the chapter, court requirements, case complexity, and whether issues arise.
Is the consultation free?
Yes. The office offers a free initial consultation. The consultation is a general information meeting to discuss the situation and identify what information may be needed to evaluate possible options. Contacting the office or attending a consultation does not by itself create an attorney-client relationship.
What should I have ready before contacting the office?
Helpful information may include a list of debts, income sources, major assets, lawsuits or garnishment notices, mortgage or vehicle payment status, recent tax information, and any prior bankruptcy filing history.
Does contacting the office create an attorney-client relationship?
No. Viewing the website or contacting the office does not create an attorney-client relationship. An attorney-client relationship is created only after the office agrees to represent you and any required engagement steps are completed.
Where is the office located?
John R Lawson Attorney at Law is located at 15851 Dallas Parkway, Suite 600, Addison, TX 75001.
Request a Free Consultation
If you have questions about bankruptcy, creditor activity, or whether Chapter 7 or Chapter 13 may apply, contact John R Lawson Attorney at Law to request a free consultation.
214-699-9981 | intake@johnrlawson.com
15851 Dallas Parkway, Suite 600, Addison, TX 75001
Disclaimer: The information on this page is for general informational purposes only and is not legal advice. Viewing this website or contacting the office does not create an attorney-client relationship. Bankruptcy options depend on the facts of each case. Please consult an attorney about your specific situation.