Experienced Bankruptcy Lawyer Serving Paris, TX
From credit card balances and medical bills to foreclosure or repossession threats, you receive straightforward answers and a practical action plan.
- Stop most creditor calls, lawsuits, garnishments, and repossessions after filing.
- Protect exempt property and plan around any non exempt items when needed.
- Choose between Chapter 7 discharge or Chapter 13 reorganization based on goals and eligibility.
- Work directly with your attorney from start to finish.
Services for Paris Residents
Chapter 7 Bankruptcy
Eliminate qualifying unsecured debts and get a fresh start. We explain the means test, exemptions, and the typical 3 to 4 month timeline for straightforward cases.
- Commonly discharged: credit cards, medical bills, personal loans, collections, bank overdrafts, and some deficiency balances after repossession or foreclosure.
- Texas and federal exemptions may protect equity in your homestead and personal property within legal limits.
Learn about Chapter 7
Chapter 13 Reorganization
Catch up past due mortgage or vehicle payments and pay what you can afford over 36 to 60 months under court supervision.
- Cure mortgage arrears and stop foreclosure while you make on time payments.
- Reduce some secured balances to collateral value where allowed and adjust interest near prevailing rates.
- Pay priority debts such as recent taxes or support arrears over time.
Learn about Chapter 13
What to Expect
- Free review: We discuss debts, income, assets, and goals.
- Plan selection: Decide between Chapter 7 or Chapter 13 based on eligibility and objectives.
- Filing and protection: The automatic stay begins and most collections must stop.
- Trustee meeting: Usually 30 to 45 days after filing.
- Resolution: Chapter 7 discharge in about 3 to 4 months for straightforward cases. Chapter 13 completion in 36 to 60 months.
Proudly Serving Paris and Lamar County
Paris and nearby Lamar County communities including Reno, Blossom, Powderly, Roxton, Deport, and surrounding areas.
Office: 430 Church Street, Suite 2, Sulphur Springs, TX 75482. Wheelchair accessible entrance and parking available. This page is informational and not legal advice.
Paris, TX Bankruptcy FAQ
Will filing stop creditor calls and lawsuits?
In most cases the automatic stay begins at filing and pauses most collections, including lawsuits and garnishments, while your case is pending.
Can I keep my home or car in Paris, TX?
Many clients keep exempt property. Texas and federal exemptions can protect certain equity. Chapter 13 can also help you catch up on past due payments and protect vehicles from repossession while you pay through the plan.
How long does the process take?
Typical Chapter 7 cases finish in about 3 to 4 months. Chapter 13 plans run 36 to 60 months depending on income and plan terms.
Which debts can be discharged?
Common examples include credit cards, medical bills, personal loans, collections, bank overdrafts, and some deficiency balances after repossession or foreclosure. Certain debts are not dischargeable by law.
Do you offer a free consultation?
Do I meet with the attorney?
Yes. You work directly with J. Brian Allen for strategy and filings from start to finish.
