Chapter 13 Bankruptcy Attorney in Temple

Start Your Path Toward Financial Stability

If debt has left you wondering how to protect your house, keep your car, or finally find peace of mind, you are not alone. Many families and individuals throughout Temple are searching for a way forward when bills keep piling up and creditors keep calling. Our bankruptcy team at Erin Baker Shank, PC. understands just how overwhelming debt can be—and how uncertain the future might feel in these moments.

For more than 40 years, we have helped people right here in Central Texas regain control of their finances with clear guidance and encouragement. We know every person’s financial situation is different, and each client deserves solutions built for their unique goals. Our support is judgment-free, focused on practical relief and helping you move forward with confidence.

Choosing legal help is an important first step. Our local experience, virtual-first services, and knowledge of Temple’s challenges set us apart from other law firms. We are here to listen and help you find a solution that truly fits your life.

Don't hesitate—reach out to an experienced Chapter 13 lawyer in Temple now. Complete an online form to take the next step.

Finding Relief With Chapter 13 Bankruptcy in Temple

When debt feels inescapable—whether because you risk losing your home, face repossession, or feel weighed down by endless payments—relief can seem out of reach. Living in Temple comes with its own demands. Homeownership, supporting a family, and unexpected circumstances such as medical bills or job changes can stretch finances thin. Many in Temple are dealing with similar challenges and the fear that they are running out of options.

Chapter 13 bankruptcy gives you a real chance to reorganize debt and protect your property. More than just a court filing, it is a pathway for people who want to keep their house or car and need a way to pay down debt in affordable monthly amounts.

If you are ready to learn your options, here is what Chapter 13 in Temple can do for you:

• Pause foreclosure and repossession actions so you have time to catch up on payments
• Create a court-approved repayment plan that fits your budget
• Consolidate debts—including some tax, past-due mortgage, and car payments—into one manageable payment
• Give you breathing room from creditor calls and wage garnishments

Our team understands the Bell County court process and works closely with clients in Temple, including military personnel from Fort Cavazos and families across the region. We are familiar with the lenders and challenges unique to this community and tailor every plan to fit your needs.

Why Choose Our Team for Chapter 13 Bankruptcy?

Your financial health deserves focused, experienced support. At Erin Baker Shank, PC., we dedicate our entire practice to bankruptcy law, so every case receives the full benefit of over 40 years working with Central Texas families. This is not just our profession—it is our mission to see neighbors in Temple regain their stability and peace of mind.

We bring personalized guidance and local understanding to every case. Our fully virtual process lets you meet with us securely and conveniently from anywhere in Temple or the surrounding region. If you are active duty or retired military, our tailored approach can address your specific needs, including security clearance requirements. We provide real answers, explain every option in plain language, and are always available for your questions as your case moves through the United States Bankruptcy Court for the Western District of Texas.

What sets our team apart:

• Exclusive focus. We help clients with bankruptcy and related debt relief, never splitting our attention with unrelated areas of law
• Virtual-first service. All consultations and most filings can be completed online or by phone—maximizing your privacy and making the process more convenient
• Military-friendly support. We have decades of experience helping Fort Cavazos service members and veterans protect everything they have worked for—including their security clearance
• Central Texas roots. Our practice is built on relationships and results right here in Temple

How Chapter 13 Bankruptcy Works & What It Means for You

Chapter 13 bankruptcy helps you move from financial crisis to controlled recovery. Instead of requiring the sale of property, this option lets you propose a repayment plan to pay creditors over three to five years. During this period, you can catch up on important obligations—like missed mortgage or car payments—while also consolidating other debts into manageable payments. Your property can remain with you, provided you stick to your payment schedule.

The Chapter 13 Bankruptcy Process in Temple

Cases in Temple proceed through the United States Bankruptcy Court for the Western District of Texas. We walk you through each step, collecting the needed documents, preparing court filings, and representing you during meetings with the trustee or any required hearings. The court reviews your assets, debts, and income, then approves a monthly payment plan after considering your family’s living expenses and local costs.

Some common questions we answer during this process:

• Who qualifies? Chapter 13 is open to many people, provided you have a steady income and debts within certain legal limits
• What debts are included? Most unsecured debts (like credit cards and medical bills), and some secured debts like mortgages and cars
• How long does it last? Most plans are three to five years, based on your ability to pay
• Will I lose my house or car? The process protects these assets as long as you maintain the plan

For military families, public servants, and others with special concerns, we give additional guidance to ensure your bankruptcy filing fits your responsibilities in Temple. We believe every client should know exactly what to expect—no jargon, no surprises, just straightforward support and clear next steps.

Our Approach: Personal, Respectful & Virtual-First Service

Filing for Chapter 13 bankruptcy can be daunting, but our process is built to reduce stress and maximize comfort. From the very first call, our team is committed to treating you with respect and understanding. We offer virtual consultations and remote communication to save you time, limit travel, and give you the privacy you need. If in-person visits are needed, we coordinate with your schedule and only request them when absolutely required.

Step-By-Step, Judgment-Free Guidance

Our process is structured around your needs and circumstances. We collect information, handle the paperwork, submit filings to the United States Bankruptcy Court for the Western District of Texas, and support you throughout any hearings or required meetings. Our commitment is to answer your questions promptly and clearly, giving you the confidence to move forward. Each client is different, so we take the time to understand your specific goals—whether that is saving your home, consolidating debts, or both.

Our expert Chapter 13 attorney in Temple is ready to provide personalized legal guidance. Call (254) 690-4110 to secure your consultation.

Frequently Asked Questions

How can Chapter 13 bankruptcy help me keep my home?

Chapter 13 bankruptcy protects your home from foreclosure by allowing you to repay overdue mortgage payments over time. The court can stop foreclosure actions and give you the opportunity to catch up while continuing regular payments. Our team works with mortgage lenders and the Bell County court system so this process fits your personal circumstances. We make sure you understand every step and keep your house whenever possible.

Will filing affect my security clearance or military career?

Filing for Chapter 13 does not automatically endanger your security clearance or military status. In many cases, addressing financial problems proactively through bankruptcy is viewed more favorably than allowing debt issues to persist. We work with Fort Cavazos service members and government employees to ensure your filing is properly handled and your career is protected. Each case is unique, so we provide confidential, case-specific advice.

Do I have to come in person to your office in Temple?

Most clients in Temple can handle their entire bankruptcy process virtually. We offer remote consultations, document reviews, and filings. Physical visits are only necessary when required by law or if you feel more comfortable meeting in person. This flexibility saves you travel, time, and extra stress.

What debts are included in Chapter 13 in Texas?

Chapter 13 covers many types of debts. Most unsecured debts, such as credit cards and medical bills, are included. Certain taxes, mortgage arrears, and car payments might also be eligible for repayment through your plan. We evaluate each debt with you and apply relevant Texas bankruptcy laws to ensure your plan works in your favor.

How long does the whole Chapter 13 process take?

Most repayment plans run for three to five years, depending on your circumstances. From the first consultation to filing, we move as quickly as possible, often starting your petition within weeks. Throughout the process, we keep you updated, help you adjust your plan if your life changes, and answer all questions along the way.

Will my personal information stay private?

We protect your privacy from the very start. Bankruptcy filings in Texas are legal records, but our team limits sharing your information only to what is required. Conversations with our staff and your individual details are kept confidential. You can always count on respectful treatment and complete discretion with every aspect of your case in Temple.

If you’re dealing with debt, we are here for you. Arrange a consultation with a Chapter 13 bankruptcy attorney in Temple right away.