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Texas Collection Laws on Debts

DebtStoppers is a Texas debt relief agency practicing bankruptcy law. We help struggling families take control of their financial situation and get another chance at a better life.

If your family is fighting to find a way out of debt, DebtStoppers can guide you down the path to financial freedom. Our experienced attorneys have dedicated their careers to helping people just like you solve their money problems. Call or text us today at 469-646-0750 to schedule a free debt analysis with a skilled Texas lawyer.

Our Law Firm’s Practice Area in Texas

DebtStoppers is a Texas law firm that helps people wipe out their debts and get back on the road to success. We assist with two different types of consumer bankruptcies: Chapter 7 and Chapter 13.

With Chapter 7, you get a financial do-over by eliminating your debts. While bankruptcy statutes allow a case trustee to liquidate your non-exempt assets to repay your debts, in practice, this rarely actually happens.

Chapter 13 reduces and reorganizes your debts instead of eliminating them altogether. You’ll typically have to pay about 10% of what you owe through a 3-to-5-year repayment plan. As long as you stick to the payment schedule, you’ll enjoy complete asset protection.

No matter which type of bankruptcy you want to pursue, DebtStoppers can lead you through each step of the process. Our dedicated Texas lawyers have been helping struggling families like yours for years, and they can customize a bankruptcy plan to help you overcome any type of financial difficulty.

The Local Laws in Texas

Even though bankruptcy is created by federal laws, it’s crucial that you seek the assistance of a local lawyer. Each state and district court interprets the rules differently, so having an experienced attorney on your side is essential. At DebtStoppers, our Texas lawyers have years of experience working with local laws, practices, and trustees. They can support you throughout the Chapter 7 or Chapter 13 process.

Frequent Sources of Debt

If you’re struggling to keep up with your bills and you keep falling farther and farther behind, it probably seems like there is no way to ever get back on track. If you feel like you’ll always be stuck with your debts, don’t despair! Bankruptcy laws enable you to eliminate your consumer debt and get a fresh start.

The laws allow you to wipe out many of your debts, such as:

  • IRS tax debts
  • Credit cards
  • Payday loans
  • Medical bills

Texas laws can also protect you from creditors and bill collectors. The moment your attorney files a petition, the court will grant you an automatic stay that will prohibit creditors from taking collection actions against you.

The stay forbids:

  • Wage garnishment
  • Repossession
  • Foreclosure
  • Creditor harassment

Your creditors won’t even be allowed to call you!

Our goal at DebtStoppers is to help hardworking people like you find freedom from debt through bankruptcy laws. We can help you wipe out your debt and move on with the rest of your life. Call or text us today at 469-646-0750 to set up a free consultation with one of our experienced Dallas Fort-Worth attorneys.

You deserve a better life! Call or text DebtStoppers today at 469-646-0750 to learn about the laws near you.