Bankruptcy Services for Individuals and Families in Dallas/Fort Worth Metroplex
Clear guidance on Chapter 7, Chapter 13, and practical debt-relief questions.
Understanding your bankruptcy options
When debt becomes difficult to manage, it can be hard to know which step to take first. Bankruptcy may provide a legal path to address certain debts, stop many collection actions, and create room to move forward. The right option depends on your income, assets, debt type, goals, and overall financial situation.
John R Lawson Attorney at Law helps people in the Dallas/Fort Worth Metroplex and surrounding areas understand consumer bankruptcy options, including Chapter 7 and Chapter 13.
Chapter 7 Bankruptcy
Chapter 7 bankruptcy is often considered by people who are dealing with unsecured debts such as credit cards, medical bills, personal loans, or collection accounts. For eligible individuals, Chapter 7 may result in a discharge of many qualifying debts.
Eligibility, property exemptions, recent financial activity, and prior bankruptcy filings must be reviewed carefully before filing.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy may be an option for people who need time to catch up on certain debts through a court-approved repayment plan.
It may be considered when a person is behind on mortgage payments, vehicle payments, taxes, or other obligations and wants a structured way to address those issues over time.
Not sure which chapter applies?
Many people are not expected to know whether Chapter 7 or Chapter 13 is the right fit before speaking with an attorney. The two chapters serve different purposes. A consultation can help identify what information is needed and which options may be available.
Common situations people ask about
- Credit card debt
- Medical bills
- Collection lawsuits
- Wage garnishment
- Creditor harassment
- Vehicle repossession concerns
- Mortgage arrears or foreclosure pressure
- Prior bankruptcy filings
- Tax debts or other debts requiring special review
What to expect
- Share basic information about your situation.
- Discuss income, debts, assets, creditor activity, and urgent deadlines.
- Review whether Chapter 7, Chapter 13, or another path may be appropriate.
- If bankruptcy is appropriate, learn what documents and next steps may be required.
Licensed Texas Bankruptcy Attorney
John R. Lawson is licensed by the State Bar of Texas and is admitted to practice before the United States District Court for the Northern District of Texas, the Eastern District of Texas, and the District of Colorado.
Request a Free Consultation
Contact John R Lawson Attorney at Law to request a free consultation and learn what information may be needed to evaluate your options.
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.