Chapter 13 Bankruptcy Attorney in Waco, TX

Every day, I see hard-working people struggling with unmanageable debt. As a Waco and Killeen Chapter 13 bankruptcy attorney, I’ve heard hundreds of stories from people who – just like you – have become overwhelmed with debt.

If you are fighting to keep your head above water, you have a couple of options. Most of our clients find that they are able to discharge their debt by filing a Chapter 7 bankruptcy case. Others employ our law firm to defend them against their creditors without filing a bankruptcy case. Some file Chapter 13 bankruptcy cases.

A Chapter 13 bankruptcy case is a three to five year wage garnishment case. Garnishment of Texas citizens’ wages is illegal under the Texas Constitution. However, if you file a Chapter 13 bankruptcy case, you are asking the Bankruptcy Court to garnish your wages for three to five years in order to pay your creditors. Since you are asking that your wages be garnished, the garnishment of your wages is legal. Most of our clients do not elect to ask the Bankruptcy Court to order a garnishment of their wages for three to five years. If you file a Chapter 13 bankruptcy case, you will actually be in an active bankruptcy case for three to five years. Your wages will be garnished during that entire time. All of your income tax refunds must be turned over to the Chapter 13 Trustee who will pay himself a commission from your income tax refund and then pay the balance to your unsecured creditors. You can not incur any debt for the next three to five years without the Bankruptcy Trustee or Bankruptcy Court’s approval. Filing a Chapter 13 bankruptcy case is a very serious decision that will have an incredible impact on your family for the next three to five years.

If you consulted with a law firm and they have suggested that you file a Chapter 13 bankruptcy case, please call us for a second opinion! We offer a free initial consultation and only very rarely recommend that our Texas clients file Chapter 13.

If debt has consumed your life, give us a call – We will be happy to help you explore your options, including Chapter 7 bankruptcy and Chapter 13 bankruptcy. I would be honored to help you eliminate your financial stress by putting my years of experience as a bankruptcy attorney to work for you!

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