Practice Areas
Bankruptcy Cases We Handle in Austin
Bankruptcy law has specific chapters designed for specific situations. The right chapter depends on your income, your assets, and what you are trying to protect. Find your situation below. Need help finding the right attorney? Learn how our Austin attorney referral service connects you with the right bankruptcy lawyer for your specific situation.
Chapter 7 Bankruptcy
Chapter 7 liquidation eliminates most unsecured debt in three to six months. Whether you qualify depends on the means test — your income relative to Texas median income. We connect you with bankruptcy attorneys who run this analysis before you file.
Chapter 7 Bankruptcy AttorneysChapter 13 Bankruptcy
Chapter 13 restructures your debt into a three-to-five-year repayment plan. It keeps assets you'd lose in Chapter 7 — including your home and car — while stopping foreclosure and repossession immediately on filing.
Chapter 13 Bankruptcy AttorneysBusiness Bankruptcy
Small businesses in Texas often file Chapter 7 for dissolution or Subchapter V of Chapter 11 for reorganization. The right path depends on whether the business is viable and the nature of its debts.
Business Bankruptcy AttorneysDebt Negotiation
Bankruptcy is one tool. Debt settlement negotiations outside of bankruptcy can reduce balances without the long-term credit impact of a filing. Bankruptcy attorneys evaluate both paths and advise which is more advantageous for your situation.
Debt Negotiation AttorneysForeclosure Defense
Filing bankruptcy triggers an automatic stay that immediately stops foreclosure proceedings. This buys time to either sell, refinance, or propose a repayment plan in Chapter 13. The stay is not permanent — timing matters.
Foreclosure Defense AttorneysWage Garnishment
When a creditor garnishes your wages in Texas, they are collecting on a judgment. Bankruptcy stops most wage garnishments immediately through the automatic stay. Texas exemptions also protect wages from many garnishment orders even without filing.
Wage Garnishment AttorneysRepossession Defense
If your vehicle has been repossessed or repossession is imminent, Chapter 13 bankruptcy can stop the process and allow you to catch up on missed payments. Timing is critical — once a vehicle is sold at auction, recovery becomes far more difficult.
Repossession Defense AttorneysMeans Test Analysis
The means test determines your eligibility for Chapter 7. If your income exceeds the Texas median, you must pass a second part of the test showing your disposable income is below a threshold. Bankruptcy attorneys run this calculation before advising you to file.
Means Test Analysis AttorneysTexas Bankruptcy Law
What You Need to Know Before You File
The automatic stay stops collection immediately
From the moment a bankruptcy petition is filed, federal law prohibits creditors from continuing collection actions, foreclosure proceedings, wage garnishments, and most lawsuits. This is called the automatic stay, and it takes effect before any court hearing.
Texas exemptions are generous
Texas has some of the strongest bankruptcy exemptions in the country. Your homestead is fully protected with no dollar limit. A $50,000 personal property exemption applies to individuals ($100,000 for families). Most retirement accounts are fully exempt. Understanding what you keep matters as much as understanding what you discharge.
Chapter 7 and Chapter 13 serve different purposes
Chapter 7 liquidates non-exempt assets and discharges eligible debt in three to six months. Chapter 13 keeps all assets and restructures debt into a three-to-five-year repayment plan. Chapter 13 is the only option if you earn too much for Chapter 7, want to keep a home facing foreclosure, or have non-dischargeable debts you need time to pay.
The means test determines Chapter 7 eligibility
To file Chapter 7, your income must pass the means test. If your current monthly income is below the Texas median for your household size, you pass automatically. If above, you must complete a second calculation comparing income to allowable expenses. A bankruptcy attorney runs this analysis before advising you which chapter to file.
How We Work
We Connect. Attorneys Advise.
ATX Attorneys is not a law firm. We are a referral service — the direct line between Austin residents carrying debt they cannot manage and bankruptcy attorneys who know the Western District of Texas bankruptcy court, the local trustees, and how to protect as much of your financial life as the law allows.
Bankruptcy law is federal, but the trustees, judges, and filing procedures in Austin's Western District court have their own patterns. Local attorneys who file here regularly know what works and what draws scrutiny. We route your request to attorneys with that specific experience.
There is no fee to request a connection. Most bankruptcy attorneys offer a free initial consultation and then quote flat fees for the full filing process. You pay nothing until you retain one of them directly.
By the Numbers
8
Bankruptcy sub-specialties in our network
1 day
Average attorney response time after your request
$0
Cost to request a connection through ATX Attorneys
24/7
Form availability — debt does not keep business hours
Common Questions
Bankruptcy FAQs
From Our Legal Blog
Bankruptcy Guides for Austin Residents
Need help finding the right attorney? Learn how our Austin attorney referral service connects you with the right bankruptcy lawyer for your specific situation.
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Debt Does Not Have to Define Your Future. Talk to a Bankruptcy Attorney in Austin.
Bankruptcy law exists because circumstances change — job loss, medical debt, a divorce, a business that did not work. Submit your request and we will connect you with an Austin bankruptcy attorney who explains your real options.
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