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Bankruptcy Attorneys in Dallas

Debt Relief and Bankruptcy Help in Texas

Debt can put your home, your vehicle, your paycheck, and your peace of mind under pressure at the same time. When that pressure becomes too heavy to manage alone, the right legal help can change what happens next. Texas offers some of the strongest debtor protections in the country, including a powerful homestead exemption that may help protect substantial home equity when eligibility requirements are met. Our Dallas bankruptcy attorneys understand how Texas and federal bankruptcy law work together.

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Debt relief in Texas

Debt Services in Texas

We've helped thousands of Texas families face serious financial pressure with experienced bankruptcy lawyers near you and practical legal options built around real life.

Foreclosure

For many families, homeownership is the heart of the American Dream. Filing for bankruptcy may trigger the automatic stay, which can stop or delay foreclosure activity while your case is active.

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Wage Garnishment

Texas protects wages more strongly than many states. For most consumer debt judgments, current wages generally cannot be garnished from your employer, although exceptions may apply for child support, spousal support, federal taxes, and certain other debts.

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Repossession

After years of paying on time, repossession is the last thing you need. Bankruptcy may help stop repossession activity, and Texas personal property exemptions may help protect important property, depending on your case.

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Credit Cards

Buried under the weight of credit card debt? Chapter 7 may discharge qualifying balances and help break the minimum-payment cycle.

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Medical Bills

Struggling with unmanageable medical debt? You're not alone. Chapter 7 may discharge qualifying medical debt and give you a clearer path forward.

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Asset Protection

Financial difficulty can feel isolating, but Texas law may offer meaningful protection for homes, vehicles, retirement accounts, and other essential property. A Dallas bankruptcy attorney can help you understand how these protections apply to your specific situation.

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Your options

Chapter 7 or Chapter 13?

Both provide real relief, but they work in different ways. Talk to Chapter 7 attorneys near you and Chapter 13 lawyers near you to find the right fit for your income, assets, debts, and goals.

Chapter 7
Fastest path to debt relief.
Most popular

Chapter 7 can discharge many qualifying unsecured debts, including credit cards, medical bills, and personal loans, often in as little as 3 to 6 months. Many filers are able to protect exempt property. Our attorneys will explain how the process applies to your situation.

Addresses unsecured debt like cards and medical bills
No repayment plan required
Typical discharge in 3 to 6 months
Free, confidential consultation
Local attorneys who know your court
Learn more about Chapter 7
Chapter 13
Reorganize debt under court protection.
Home & car focused

Chapter 13 reorganizes your debt into a manageable 3 to 5 year repayment plan. It can help you work to protect your assets, including your home, car, and property, while catching up on past-due payments under court protection.

Works to protect your home, car, and property
Stop foreclosure and repossession
Repay a portion of unsecured debt
Structured 3 to 5 year plan
Attorney attends all hearings with you
Learn more about Chapter 13
DebtStoppers Texas

About DebtStoppers Bankruptcy Attorneys in Dallas, Texas

Get a free personal debt analysis in Texas.

DebtStoppers assists clients with serious debt issues, including home foreclosure, vehicle repossession, IRS collection pressure, creditor lawsuits, credit card debt, payday loans, and medical bills. If you’re looking for a Dallas Texas bankruptcy attorney and need steady legal guidance when debt has become unmanageable, DebtStoppers can help you understand your options under Texas and federal bankruptcy law.

DebtStoppers, The Semrad Law Firm, is certified by the Texas Board of Legal Specialization in Consumer Bankruptcy Law.

As part of our service to Texas families, we are proud to offer confidential personal debt evaluations 100% free of charge. You can meet with one of our qualified bankruptcy lawyers to discuss your financial situation and the solutions that may best meet your needs. From there, we can help you build a practical debt relief plan designed around your income, assets, debts, and family priorities.

469-646-0750
Unlimited
Texas homestead exemption
Free
Initial consultation
Local
Dallas attorneys near you
4.6 ★
Average client rating
Debt Troubles

What's keeping Texas families up at night

These are the situations we hear about every day. If any of them sound familiar, you're not alone - and there's a way through.

The problem
Car Repossession
How DebtStoppers helps

A bankruptcy filing may trigger the automatic stay, which can stop or delay qualifying repossession activity while your case is active. If the vehicle has already been taken, a DebtStoppers attorney can review the timeline, the lender’s actions, and your bankruptcy options to determine whether recovery may still be possible.

The problem
Foreclosure
How DebtStoppers helps

Chapter 13 may stop a foreclosure through the automatic stay and allow past-due mortgage payments to be repaid over time through a court-approved plan. This can give homeowners a structured way to catch up while continuing to make current mortgage payments.

The problem
Payday Loans
How DebtStoppers helps

Payday loan balances are often treated as unsecured debt in bankruptcy. Depending on your income, assets, and debt profile, Chapter 7 may help discharge qualifying payday loan debt, while Chapter 13 may place it into a structured repayment plan that gives your household room to stabilize.

The problem
Wage Garnishment
How DebtStoppers helps

Bankruptcy may stop qualifying garnishment or collection activity once the case is filed, giving you immediate breathing room from creditor pressure. A DebtStoppers attorney can also review whether the underlying debt may be discharged in Chapter 7 or included in a Chapter 13 repayment plan.

The problem
Credit Card Debt
How DebtStoppers helps

Credit card balances are usually unsecured debt. Chapter 7 may discharge qualifying balances, while Chapter 13 may reduce the pressure by placing unsecured creditors into a court-supervised repayment plan based on what you can afford under bankruptcy rules.

The problem
Medical Bills
How DebtStoppers helps

Medical bills are generally unsecured debt, which means they may be dischargeable through Chapter 7 or addressed through Chapter 13. DebtStoppers can review your medical debt alongside your income, assets, and other obligations so you understand which path may offer the strongest protection.

The problem
IRS Debt
How DebtStoppers helps

Certain older income-tax debts may be dischargeable, while other tax obligations may need to be repaid through a Chapter 13 plan. A DebtStoppers attorney can review the type of tax debt, the tax year, filing dates, and IRS collection status to help you understand whether bankruptcy may reduce, restructure, or temporarily stop collection pressure.

The solution
Chapter 7 Bankruptcy
How it works

Wondering why you should choose DebtStoppers? We have 20 years of experience, and in many cases our clients have been able to keep their vehicle when a suitable agreement with the lender is reached. We'll also help you determine which type of bankruptcy is right for your situation.

The solution
Mortgage Modifications
How it works

Foreclosure defenses are complex and require real expertise. Many homeowners believe they've been wronged but lack the resources or legal knowledge to mount a defense. That's where we step in — our DebtStoppers foreclosure attorneys can show the court whether the lender skipped required steps in filing the foreclosure.

The solution
Chapter 13 Bankruptcy
How it works

Chapter 13 helps you reorganize your debt and structure your finances for the future. At DebtStoppers we provide free consultations and support your case all the way through to discharge. We'll be by your side during your toughest times — call or text us today at 469-646-0750.

The Texas team

Lawyers Practicing in This State

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DebtStoppers has been assisting people in Texas since 2003. We have helped more than 100,000 families work toward relief from overwhelming debt.

With a Dallas office and experienced lawyers available to serve you, DebtStoppers can provide prompt, convenient, and customized representation for families across the Dallas area and surrounding Texas communities.

When people search for bankruptcy attorney Texas help, they are often looking for more than paperwork. They need someone who can explain the law, move quickly when deadlines matter, and help them protect what matters most.

Jason N. Allen

Jason N. Allen

Managing Partner TX

Location: Dallas, Texas

  

View profile of Jason N. Allen
Kurt Yao

Kurt Yao

Attorney

Location: Houston, Texas

Phone: 817-932-1697

View profile of Kurt Yao
Client stories

Real DebtStoppers Clients Real Debt Relief

In this short video, hear what just a few real Semrad clients had to say.

Watch video on YouTube
Verified Client

Verified Client

17 weeks ago
So excited for a fresh start! I paid all my bills on time but life throws us curve balls and stuff kept getting worse for me … I had no choice if I wanted to get my life back. Nick and Tony guided me through the process and it was very very smooth and it only took about 2 weeks! Thanks
Ron M

Ron M

23 weeks ago
Very informative in giving you the information you need to get all of your questions answered about their process in filing your case, which was a very fast and thorough process. You will be more than satisfied with their work, with very little effort on your part.
Meme Pinkston

Meme Pinkston

5 weeks ago
They made this process effortless for me. All of my questions were answered, and it literally took one day for me to provide all documents, complete the online course, and have my case filed. I highly recommend them.
Texas Bankruptcy Guide

Understanding Texas Bankruptcy Protections

Texas is known for strong debtor protections. If you’re considering filing bankruptcy in Texas, it helps to understand the protections that set the state apart, including the homestead exemption, personal property exemptions, and property tax relief available to qualifying homeowners.

The Texas Homestead Exemption Explained

The Texas homestead exemption is one of the strongest property protections available to homeowners. Unlike many states that place a relatively low dollar cap on protected home equity, Texas law focuses heavily on acreage and use of the property as a principal residence. Under the Texas Property Code, an urban homestead may generally include up to 10 acres, while a rural homestead may include up to 100 acres for an individual or up to 200 acres for a family. To qualify, the property must be your principal residence, and bankruptcy-specific rules or federal limits may still affect how the exemption applies. A Dallas bankruptcy attorney can confirm how the Texas homestead exemption applies to your specific property.

School Property Tax Relief for Texas Seniors & Disabled Homeowners

Texas homeowners who are 65 or older, or who have a qualifying disability, may be entitled to significant property tax relief. The general school district residence homestead exemption is $140,000, and qualifying homeowners who are 65 or older or disabled may receive an additional $60,000 school district residence homestead exemption. Even more important for many families is the school district tax ceiling, sometimes called a tax freeze. Once a homeowner qualifies, school district property taxes may be capped according to the applicable rules, even if the home’s appraised value rises later.

How These Protections Work Together in a Texas Bankruptcy

When you file bankruptcy in Texas, the homestead exemption, personal property exemptions, retirement account protections, and federal bankruptcy protections may work together to help protect what matters most. Texas personal property exemptions may protect up to $50,000 for a single adult or up to $100,000 for a family, depending on the type and value of the property. Layer in property tax relief for seniors and disabled homeowners, and many Texas families may be in a stronger position than they first feared. Our Dallas bankruptcy attorneys will review your home, income, debts, personal property, and eligibility, then explain your options in plain language.

A path forward

Texas law may give you more protection than you think.

Texas gives many bankruptcy filers strong legal protections, but knowing your rights and using them effectively are two very different things. Our Dallas attorneys have spent years helping Texas families understand what may be available under state and federal law and building cases that make the most of every protection. If you are searching for the best bankruptcy attorney in Texas, the most important thing is not a slogan. It is experience, local knowledge, clear communication, and a legal strategy built around your actual home, income, debts, and goals. One free consultation can show you the full picture.

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Chapter 7 & Chapter 13 Bankruptcy Lawyers in Texas

We do all the work for you.

Searching for bankruptcy lawyers near you? From your first free consultation to your final discharge, your DebtStoppers Texas attorney takes on the legal burden so you can focus on moving forward.

Our Texas bankruptcy lawyers can help you understand the process, prepare the required documents, deal with creditor pressure, and represent you at required hearings.

Families searching for bankruptcy lawyers Texas support often need help at a stressful moment. DebtStoppers brings the legal process into focus and gives you a team that knows how to move the case forward.

Deal with your creditors
Collect your tax returns and credit reports for you
Prepare all filing documents for you
Provide independent credit counseling right in our office
Represent you at all court hearings
Free consultation
Tell us your situation.

A local bankruptcy attorney will review your situation and reach out - free, with no obligation.

Talk To An Attorney

During office hours, we’ll reach out to you within 30 minutes. Forms submitted after hours will be answered by 9:30 on the next business day.
Frequently Asked Questions

Common questions about bankruptcy in Texas

Do I need a bankruptcy attorney in Texas to file for bankruptcy?

You are not required to have an attorney to file for bankruptcy, but working with experienced bankruptcy lawyers in Texas can help you avoid mistakes, missed deadlines, and problems with your paperwork. An attorney can also explain whether Chapter 7 or Chapter 13 is the better fit for your income, assets, debts, and goals.

What is the difference between Chapter 7 and Chapter 13 bankruptcy?

Chapter 7 is often used to discharge qualifying unsecured debts, such as credit cards, medical bills, and personal loans. Chapter 13 creates a 3 to 5 year repayment plan and may be a better option if you need to catch up on mortgage payments, stop foreclosure, protect a vehicle, or reorganize debt under court protection.

Can bankruptcy stop foreclosure in Texas?

Bankruptcy may help stop or delay foreclosure, especially through Chapter 13. Chapter 13 can allow homeowners to catch up on past-due mortgage payments through a court-approved plan while continuing to make current mortgage payments.

Can creditors garnish my wages in Texas?

Texas generally protects current wages from garnishment for most consumer debt judgments, but there are important exceptions, including child support, spousal support, federal tax debt, and certain federal student loan obligations. A bankruptcy attorney can help you understand whether bankruptcy may stop collection activity related to your specific debt.

Can I keep my home if I file for bankruptcy in Texas?

Many Texas homeowners are able to protect their primary residence through the Texas homestead exemption, subject to eligibility rules and bankruptcy-specific limits. Because homestead protection depends on acreage, residence status, liens, timing, and other legal factors, it is important to review your property with an attorney before filing.

Can I keep my car if I file for bankruptcy?

Many people are able to keep their vehicle after filing for bankruptcy, depending on the value of the car, the loan balance, available exemptions, and the type of bankruptcy filed. Chapter 13 may be especially helpful when you are behind on car payments and need a structured way to catch up.

Are medical bills and credit card debt discharged in bankruptcy?

Medical bills and credit card balances are usually treated as unsecured debt, which means they may qualify for discharge in Chapter 7. In Chapter 13, these debts may be included in a repayment plan based on what you can afford under bankruptcy rules.

How do I know if bankruptcy is the right choice for me?

Bankruptcy may be worth considering if debt is affecting your paycheck, your home, your car, or your ability to keep up with basic monthly expenses. A free consultation with DebtStoppers can help you understand your options before making a decision.

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