Texas Bankruptcy Attorneys

Texas Bankruptcy Attorneys

Bankruptcy is a legal way to get relief when bills become too much. It’s not about failure. It’s about taking a hard situation and finding a way out. Whether you’re an individual drowning in credit card debt or a business that can’t keep up with expenses, bankruptcy can stop the pressure and offer a fresh start. In Texas, filing for bankruptcy means the court steps in to help manage or erase your debt, depending on your situation.

How Bankruptcy Affects Individuals

For people struggling to pay personal bills, there are usually two paths—Chapter 7 and Chapter 13 bankruptcy. Both types immediately stop creditors from calling, suing, or garnishing wages as soon as you file.

Chapter 7 can wipe out many debts quickly. Most people who qualify don’t pay anything to creditors because their assets are exempt under state or federal law. General unsecured debt, like credit cards and loans, is typically discharged. Secured debts—such as home or auto loans—can often be reaffirmed, allowing the person to keep the property and continue payments.

Chapter 13 is more like a structured payment plan. A person pays only what they can afford over time, and any dischargeable debt that can’t be paid is wiped out at the end of the plan. You typically keep your property under this option.

Why The Right Lawyer Changes Everything

Bankruptcy law isn’t easy. It’s full of forms, rules, and deadlines. A mistake can cost you money or your case. That’s why having someone who knows the law—and knows how the courts work in Texas—matters. At McCarty-Larson, PLLC, we don’t just file paperwork. We sit down with you, help you understand your options, and walk with you every step of the way.

Why People Choose McCarty-Larson, PLLC

We understand how stressful money problems can be. Many of our clients come to us feeling ashamed, scared, or just stuck. We don’t judge. We listen. Then we help them build a way forward. People trust us because we speak clearly, work fast, and stay honest.

4 Benefits of Filing for Bankruptcy

• Put an end to creditor harassment.
• Get the opportunity to rebuild your credit.
• Stop processes such as foreclosure and repossession.
• As a confidential process, no one has to know you filed.

Common Mistakes to Avoid in Bankruptcy

Many people across Texas feel the pressure of debt. When money gets tight, it’s easy to feel overwhelmed, and even easier to make the wrong move without knowing it. Bankruptcy is not a sign of failure. It’s a legal tool that helps families and individuals find a way out. But what you do before you file matters just as much as the filing itself. At McCarty-Larson, PLLC, we’ve worked with people from all walks of life. Over time, we’ve noticed the same mistakes showing up again and again. These mistakes can cost you time, money, and peace of mind. Knowing what not to do can keep your case on track and give you the fresh start you’re hoping for.

Waiting Too Long to Ask For Help

One of the most common mistakes is waiting too long to ask for help. Many people delay talking to a lawyer because they feel ashamed or hopeful that things will somehow work themselves out. But time doesn’t usually fix debt. Instead, bills pile up, interest grows, and collection calls get worse. The longer you wait, the fewer options you may have. Early action gives you more room to make smart choices and can lead to better results. When you sit down with our Texas Bankruptcy Attorneys at McCarty-Larson, PLLC, we walk through your options together. Whether it’s Chapter 7 or Chapter 13, or maybe even a way to avoid bankruptcy altogether, we help you understand your best path forward.

Using Retirement to Pay Debt

Another big mistake people make is taking money from their retirement to pay off credit cards or loans. We understand why—there’s a strong desire to do the right thing and pay off what you owe. But that can hurt you in the long run. Most retirement accounts are protected in bankruptcy, which means creditors can’t touch them. Once that money is gone, though, you can’t get it back. It’s meant to be there for you in your later years, not used up trying to solve a problem that bankruptcy could already fix. Before you touch your savings, talk to someone who knows how bankruptcy laws work here in Texas.

Giving Away Property

Trying to protect what you own by giving it away can also create big problems. We often see people move a car title to a relative or transfer property to a friend, thinking that it will be safe. But the bankruptcy court will look back and review those transfers. If it sees something that looks like you were hiding assets, it can delay your case or worse—deny your discharge altogether. The court wants honesty and a clear record. Giving things away before filing often causes more trouble than it solves. What feels like a shortcut can quickly turn into a dead end.

Leaving Out Important Information

Honesty is another key part of filing. Everything you tell the court must be true, complete, and clear. That includes your income, your property, and your debts. Even if you leave something out by accident, it can hurt your case. If the court finds that you were not truthful, you could lose the chance to wipe out your debt. Bankruptcy is built on trust. You tell the full story, and the court helps you get a clean slate. That only works if your paperwork is right from the beginning. When you work with McCarty-Larson, PLLC, we make sure everything is in order before your case is ever filed.

Filing Without a Lawyer

Filing without a lawyer might sound like a good way to save money, but it’s often the most expensive mistake you can make. Bankruptcy law is not simple, and the rules can change depending on where you live and what kind of case you file. People who try to do it on their own often miss key steps, lose property they could have kept, or end up having their case thrown out. Having the right team on your side helps you avoid those costly mistakes. Our Texas Bankruptcy Attorneys have helped many families get back on track, and we’re here to help you too.

Texas Bankruptcy Client Story

This client story is for educational purposes only. Daniel used to be strong. He took care of his family, worked hard, and paid his bills on time. But when his hours got cut and his wife got sick, things changed fast. He didn’t tell anyone, but he stopped eating lunch just to keep the lights on. His mailbox filled with bills he couldn’t pay. His phone rang with numbers he didn’t know—and didn’t want to answer. He felt stuck. He felt ashamed. And worst of all, he felt alone. Daniel thought about bankruptcy but didn’t know where to start. The word itself scared him. What if it made things worse? What if he lost everything? What if people found out? One night, after another letter from a credit card company showed up, Daniel sat at his kitchen table and searched for Texas Bankruptcy Attorneys. That’s when he found McCarty-Larson, PLLC. He clicked on their site, heart pounding. But something felt different. They weren’t talking over him. They weren’t throwing out fancy words or making big promises. They were just…human. They talked like they understood what it felt like to be scared. Like they’d helped people like him before. So he picked up the phone. The voice on the other end didn’t rush him. They didn’t judge. They listened. Then they told him what he needed to hear: “We can help you get through this.” From the first meeting, Daniel knew he’d made the right call. The team at McCarty-Larson walked him through the bankruptcy process in plain words. They took care of the paperwork. They explained what to expect. They made sure he knew they were right there with him, every step of the way. It wasn’t magic. But it was steady. It was kind. It was clear. Today, Daniel’s life looks different. He’s not afraid to check the mail. He’s not dodging calls. He’s not worried every time he swipes his debit card. He’s getting back on his feet—and it all started with one simple step.

Don’t Wait to Get The Help You Need

Financial stress can feel overwhelming. If you’re behind on bills, worried about losing your home, or getting calls from creditors, you don’t have to carry the weight alone. There’s a way forward, and you don’t have to figure it out by yourself.

Talk to Someone Who Knows The Law And Understands Your Options

At McCarty-Larson, PLLC, we’ve helped many people across Texas take control of their financial future. We understand how bankruptcy laws work here and how they can give you the fresh start you need. Whether you’re looking at Chapter 7, Chapter 13, or just exploring your options, we’ll listen, explain what’s possible, and guide you step by step.

Your First Step is a Call Away

If debt is making life hard, the best time to talk to a Texas Bankruptcy Attorney is now. When you call McCarty-Larson, PLLC, you’ll speak with someone who cares and knows what to do. We’ll answer your questions and help you understand your next steps. Call today to schedule your appointment. The sooner we talk, the sooner you’ll feel better.

Why Hire Our Firm?

• Free, Confidential Bankruptcy Consultations
• Convenient Payment Options Available
• Low All-Inclusive Fees
• Free Consultation
• Take the First Step Toward Financial Freedom!