Explore Chapter 7 and Chapter 13 services designed to stop most collections after filing, protect eligible assets where the law allows, and fit your budget. Work directly with J. Brian Allen to choose the path that matches your goals.
We stand ready to deliver creative and tailor-made solutions and provide exceptionally high-quality advice in all major practice areas.
| Scenario | Chapter 7 | Chapter 13 |
|---|---|---|
| High unsecured debts | Often best for discharge | Also possible, paid pro rata |
| Behind on mortgage or car | Temporary pause only | Catch up over time |
| Need to keep non exempt assets | May be at risk | Keep property and pay value |
| Income to make a plan payment | Not required | Required |
Office: 430 Church Street, Suite 2, Sulphur Springs, TX 75482. Wheelchair accessible entrance and parking available. This page is informational and not legal advice.
Provides a fresh start by eliminating unsecured debts such as medical bills and credit card.
Allows repayment of debts over time, helping clients stop foreclosure and keep their homes.
It depends on your debts, income, assets, and goals. Chapter 7 targets unsecured debt relief quickly. Chapter 13 protects property and lets you catch up on arrears with one payment. We will compare both at your free consultation.
In most cases the automatic stay starts at filing and pauses most collections. Chapter choice and your history of filings can affect how long the protection lasts.
Many clients keep exempt property. Chapter 13 can also cure past due payments and may allow interest adjustments or collateral value payments where the law permits.
Chapter 7 is typically about 3 to 4 months for straightforward cases. Chapter 13 runs 36 to 60 months depending on your plan and income.
Yes. Call (903) 439-5150 or request an appointment to get started.
