Bankruptcy Attorney in Sulphur Springs, Texas

Professional Representation

Years of experience filing cases in U.S. Bankruptcy Courts ensures you are properly represented.

Personal Attention

When you hire J. Brian Allen, he is your attorney. You’ll work with him directly not passed from one lawyer to another.

Compassionate Guidance

Born and raised in East Texas, Brian Allen combines legal knowledge with compassion for his clients.

J. Brian Allen Is The Bankruptcy Attorney That Can Help You Through Financial Hardship

Bankruptcy can result from divorce, job loss, medical bills, or overwhelming credit card debt. Ignoring these problems only makes them worse, but with the guidance of J. Brian Allen, you’ll receive a personal review of your situation and honest advice on whether Chapter 7 or Chapter 13 is the right path for you. His years of experience ensure you understand the impact on your financial future, from avoiding foreclosure to regaining stability.

Why Choose J. Brian Allen?

  • Local expertise: born and raised in Northeast Texas, Brian understands our community and its courts.
  • Personal attention: you will work directly with Brian from your first consultation through case resolution.
  • Comprehensive support: we help you evaluate whether Chapter 7 or Chapter 13 bankruptcy is right for you and guide you through each step.

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Our Practice Areas

We stand ready to deliver creative and tailor-made solutions and provide exceptionally high-quality advice in all major practice areas.

A clipboard labeled "Chapter 7 Bankruptcy" sits next to a gavel, a red book, and a pen—tools often used by a bankruptcy attorney in Sulphur Springs to guide clients toward debt relief.

Chapter 7 Bankruptcy

Chapter 7 bankruptcy can discharge unsecured debts and help you start fresh. We assess your eligibility, explain exemptions and protect your home and belongings.

A clipboard with "Chapter 13 Bankruptcy" written on paper, a pen, a gavel, and a red legal book sit on a desk—ideal for illustrating topics like chapter 7 bankruptcy or finding a bankruptcy attorney in Sulphur Springs.

Chapter 13 Bankruptcy

If you have regular income but need relief from overwhelming debt, Chapter 13 bankruptcy allows you to restructure your debts into an affordable repayment plan. We negotiate terms that fit your budget while safeguarding your assets.

Bankruptcy Courses Near Sulphur Springs

Before your bankruptcy case can be completed, you’ll need to take two simple credit counseling courses from approved providers. These courses help you better understand your financial situation and prepare for a fresh start.

A notebook with "Online Course" written on the page lies on a wooden desk beside a keyboard, magnifying glass, and a cup of coffee—perfect for anyone researching chapter 7 bankruptcy or looking for a bankruptcy lawyer near me.

Course 1

DebtorCC
Website
or
Abacus via telephone

A wooden judge's gavel rests on a laptop keyboard, symbolizing the intersection of law and technology, often navigated with the help of a bankruptcy lawyer near me for chapter 7 or chapter 13 bankruptcy cases.

Course 2

DebtorEdu
Website
Or
Sage via telephone

Bankruptcy FAQ – J. Brian Allen, Attorney at Law

Will bankruptcy stop creditor calls and garnishments?

In most cases, filing starts an automatic stay that stops most collection actions, including lawsuits, wage garnishments, and phone calls. Some actions may still proceed in limited circumstances. We will review your situation during your free consultation.

Should I file Chapter 7 or Chapter 13?

Chapter 7 is typically for qualifying individuals who want to discharge unsecured debts. Chapter 13 reorganizes debt into a manageable plan to catch up on past-due amounts. Eligibility depends on your income, assets, and goals. We will help you choose the right path.

Can I keep my home and car?

Property exemptions can protect certain equity in a homestead and personal property. Many clients keep their home and vehicle if they stay current or use a Chapter 13 plan.

How long does the process take?

Most Chapter 7 cases take about three to four months from filing to discharge. Chapter 13 plans generally last three to five years. Timing can vary based on your case.

Will I have to go to court?

You will attend a brief meeting with the trustee, usually about one month after filing. It is not a formal courtroom hearing. Additional appearances are uncommon unless issues arise.

What happens to my credit?

A bankruptcy will appear on your credit report for a period, but many clients begin rebuilding credit within months by using secured cards and paying all bills on time.

Do both spouses have to file together?

No. One spouse can file alone, but community property and joint debts may affect the strategy. We will review whether a joint or individual filing is better for your household.

Take Control of Your Financial Future

Debt doesn’t have to control your life. Whether you’re facing foreclosure, credit card debt, or unsure if bankruptcy is right for you, J. Brian Allen will work with you personally to find the best solution.

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Client Testimonials