Texas Chapter 7 Bankruptcy Attorneys
Offering Reliable Chapter 7 Support Across the State of Texas.
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Thank you so much, McCarty-Larson, PLLC! You are such a great lawyers and your professionalism was excellent. The staff at the office was awesome, polite and kind. They understand a client's financial situation and works through the process patiently with great courage. Once again, thank you so much McCarty-Larson, PLLC!
- P.E.
McCarty-Larson, PLLC was very helpful and patient explaining our options after my wife lost her job and creditors were taking her to court. They outlined a plan for us and everything worked out very well for us. I would recommend McCarty-Larson, PLLC to anyone that is in need of legal help.
- Aaron Herrera
I met with McCarty Larson after many attempts to find a lawyer. They were very professional, straight to the point and polite. They accepted my case with no problems. With only one day to prepare for my case, McCarty Larson accepted my case, explained my options and attended the hearing on my behalf. They did all of this with only a one day notice. I normally do not write reviews, but this one had to be written. They are the best! You will not be sorry for hiring this firm.
- S.C.
When you choose McCarty-Larson, you're choosing a legal team that will stand by you every step of the way.
Learn MoreTexas Chapter 7 Bankruptcy Attorneys
If you’re feeling buried by debt and unsure where to turn, you’re not alone. Many people across Texas find themselves in the same place—trying their best but falling further behind. That’s when Chapter 7 bankruptcy may be the fresh start you need. It’s not about giving up. It’s about taking a step toward relief and a more stable future.
Chapter 7 bankruptcy is a legal way to clear many types of unsecured debt like credit card bills, medical expenses, payday loans, and even some past-due utility bills. If you qualify, the court may wipe out these debts, which can give you breathing room and a chance to rebuild your life. There’s no repayment plan. In most cases, the process is quicker than other forms of bankruptcy. Many people get a discharge in just a few months.
What Filing Chapter 7 Looks Like For Individuals
When you file Chapter 7, you’re telling the court you can’t pay your debts. You’ll list what you own, what you owe, and your monthly income and expenses. Some of your assets may be sold to help pay creditors, but Texas law protects many items—like your house, car, clothes, and personal belongings—depending on their value. Most of the people we help keep everything they own.
The process starts with paperwork, credit counseling, and a meeting with a court-appointed trustee. It sounds intimidating, but that’s where we step in. Once the court grants a discharge, your eligible debts are gone for good. And creditors must stop calling, writing, or taking any action to collect.
Who Can File Chapter 7
To file Chapter 7 in Texas, you must pass a means test, which compares your income to the state average. If you earn less than the median income for your household size, you likely qualify. If you earn more, you may still qualify after allowed expenses are considered. Each case is different, and the rules can get complicated fast.
What Are the Exemptions When Filing for Chapter 7?
With Chapter 7 bankruptcy, you are essentially liquidating all of your non-exempt assets in order to be forgiven your unsecured debt. However, most of our clients discover that most, if not all, of their assets are exempt. The proceeds of these assets go towards paying back your creditors.
Property which is exempt from liquidation following filing for Chapter 7 bankruptcy may include:
- Clothing and personal effects
- Furniture
- Insurance policies
- One automobile per licensed driver in the household
- Your home
- Retirement assets
Bankruptcy Automatic Stay
What Does an Automatic Stay Protect You From?
An automatic stay protects you from the following:
- Debt collection phone calls
- Foreclosure
- Repossessions
- Lawsuits
- Wage garnishments
Why McCarty-Larson, PLLC Should be Your Next Call
Chapter 7 is a powerful tool—but only if it’s done right. That’s why having one of our Texas Chapter 7 Bankruptcy Attorneys by your side matters so much. We walk with you through every step, explain what’s happening in plain language, and help you make the best decisions for your future. There’s a lot at stake. One mistake in your paperwork can delay your case or even lead to a denial. You don’t need that stress.
At McCarty-Larson, PLLC, we’ve helped people across Texas take back control of their lives. We know how hard it is to ask for help, but that’s what we’re here for. We’ll listen to your story and find out if Chapter 7 is the right fit for you. No pressure, just clear answers and a solid plan.
Non Dischargeable Debt in Chapter 7
Experienced Chapter 7 Bankruptcy Filing Support in Texas
Our Chapter 7 Bankruptcy attorneys in Texas understand that you may be going through one of the most stressful times you have ever experienced; however, you do not have to give up hope. When you work with our experienced attorneys, our goal is to make your bankruptcy process as simple as possible.
Understanding the Chapter 7 Bankruptcy Filing Procedure
Chapter 7 begins by submitting a petition to your local bankruptcy court. They then issue an automatic stay that protects you from collection agencies. The automatic stay goes into effect right away, once your petition has been accepted.
Chapter 7 Bankruptcy Exemptions in Texas Explained
With Chapter 7 bankruptcy, you are essentially liquidating all of your non-exempt assets in order to be forgiven your unsecured debt. However, most of our clients discover that most, if not all, of their assets are exempt. The proceeds of these assets go towards paying back your creditors.
Property which is exempt from liquidation following filing for Chapter 7 bankruptcy may include:
- Clothing and personal effects
- Furniture
- Insurance policies
- One automobile per licensed driver in the household
- Your home
- Retirement assets
- Understanding the Protection of an Automatic Stay in Bankruptcy
- Comprehensive Protection Offered by an Automatic Stay
An automatic stay protects you from the following:
- Debt collection phone calls
- Foreclosure
- Repossessions
- Lawsuits
- Wage garnishments
- Child support and past-due child support (You cannot get rid of past-due domestic support payments by filing a bankruptcy case)
- Alimony (spousal support) debt
- Divorce property division debts
- Some attorney fees
- Some types of credit card purchases that are considered “luxury” purchases made within the previous 90 days before filing for bankruptcy
- Debts in a personal injury lawsuit (If it involved drunk driving)
- Fines, penalties, and restitution you owe for breaking the law
- Debts resulting from causing injury to another individual
- Debt arising from fraud or false pretenses
- Homeowners association fees
- Debts you did not include in your bankruptcy forms
How McCarty-Larson, PLLC Can Help
Filing for bankruptcy may seem simple, but there are many important decisions you will need to make. You will also need to have a large assortment of paperwork and documents to fill out the required forms. Our Texas Chapter 7 bankruptcy lawyers can help you every step of the way to guide you towards the best financial decisions. We want to help you have the greatest chance for a successful outcome.
Common Mistakes People Make in Chapter 7 Bankruptcy
When someone’s facing bankruptcy, it’s easy to feel scared and unsure. At McCarty-Larson, PLLC, our team of Texas Chapter 7 Bankruptcy Attorneys have helped many people through this process. But we’ve also seen the same avoidable mistakes happen again and again. If you’re thinking about filing under Chapter 7, here are some common errors that can make a tough situation even harder.
Waiting Too Long to Get Help
Many people put off talking to a bankruptcy attorney because they feel ashamed or think they can handle things alone. By the time they reach out, they may have already lost property, drained retirement accounts, or taken on more debt. The sooner you call our firm, the more options we can offer you.
Hiding Information or Being Dishonest
Some people think it’s smart to leave out details about their income, property, or recent financial decisions. But the court takes honesty very seriously. Leaving things out or being dishonest can get your case thrown out—or worse. Always tell the full truth so your case has the best chance to move forward.
Giving Away or Transferring Property
Sometimes people give things to family or friends before filing, hoping to protect them. But this move can backfire. The court may see it as hiding assets, which can delay or block your case. Before you move money or property, talk to us first. We’ll help you protect what’s allowed under Texas law without risking your case.
Running Up Debt Before Filing
Once someone decides they might file, it’s tempting to charge up credit cards or take out new loans. This is a big mistake. The court may see this as fraud and make you pay that money back. If you’re thinking about bankruptcy, stop using credit right away and call us to talk through your options.
Filing Without a Lawyer
It’s legal to file on your own, but it’s rarely a good idea. Bankruptcy laws are strict and complex. One wrong step could cost you money, time, or your chance at a fresh start. Our team knows the process inside and out, and we’re here to guide you through every step with care and skill.
Frequently Asked Questions About Chapter 7 Bankruptcy
If you’re feeling buried by debt, Chapter 7 bankruptcy might feel like a last resort. But it can also be a turning point. Many people just like you have used it to stop the stress and get a clean start. Below are some of the questions we hear most often at McCarty-Larson, PLLC. We hope they give you a clearer picture of what’s ahead.
Chapter 7 is a legal way for individuals to eliminate unsecured debts, like credit card balances, medical bills, personal loans, and utility arrears. It’s often referred to as “liquidation” bankruptcy, but that term can be misleading. You’re not selling off everything you own. In most cases, especially here in Texas, people keep all or most of their property. What Chapter 7 really does is give you a fresh financial start. Once your case is discharged, those qualifying debts are gone—and creditors can’t come after you for them anymore.
To file under Chapter 7, you need to meet certain income requirements. This is called the “means test.” The court looks at your household income compared to the median income for a similar-sized household in Texas. If you’re below that threshold, you can usually file. If you’re above it, we dig deeper into your expenses and financial obligations to see if you still qualify. Many people are surprised to learn they do qualify, even if their income looks too high at first glance. As Texas Chapter 7 Bankruptcy Attorneys, we walk you through each step so you know exactly where you stand before you file.
This is one of the biggest fears people have, but in most cases, it just doesn’t happen. Texas has some of the strongest exemption laws in the country. That means you can often protect your home, your car, your personal belongings, and even things like retirement accounts. There are limits, but they’re more generous than many expect. Most of our clients don’t lose any property at all. Before you file, we’ll sit down with you and go over what you own and what you’re allowed to keep under Texas law.
The typical Chapter 7 case moves quickly. From the day your case is filed, it usually takes about 90 to 120 days to receive a discharge. During that time, there will be one short meeting with a trustee, but there’s no courtroom trial or drawn-out legal battle. We handle all the paperwork and communication with the court, so you can focus on moving forward. Once the discharge is granted, those debts are permanently wiped out.
It will show up on your credit report, yes—but for many, credit begins to improve soon after filing. If you’re already missing payments or dealing with collections, your score may already be low. Bankruptcy can stop the bleeding and give you a chance to rebuild. Most people start receiving new credit offers within a few months of discharge. You’ll also be in a better position to qualify for future loans once your debt-to-income ratio improves. Filing for Chapter 7 doesn’t end your financial future—it’s the first step toward a healthier one.
No. One of the strongest protections in bankruptcy is the “automatic stay.” As soon as your case is filed, the court orders all collection efforts to stop. That means no more calls, no more threatening letters, and no more lawsuits. If a creditor tries to contact you after your case is filed, you let us know. We’ll make sure they stop. This protection alone brings a lot of relief to our clients.
Filing for bankruptcy involves more than just filling out forms. It’s about protecting your assets, making sure your case is done right, and knowing what to expect every step of the way. As experienced Texas Chapter 7 Bankruptcy Attorneys, we’ve helped hundreds of people just like you get the relief they needed. We know the local rules, we know the exemptions, and we know how to guide you through it without surprises. We don’t just file your case—we make sure you feel confident and informed from start to finish.
Start with a conversation. You don’t have to decide everything today. Just reach out to our office and schedule a consultation. We’ll take a look at your situation, answer your questions, and explain your options in plain language. No pressure. No judgment. Whether you move forward with Chapter 7 or explore other solutions, you’ll have the facts you need to make the right decision for you and your family.
Student loans cannot be discharged in a bankruptcy proceeding in the majority of cases, but there may be a chance that you can get your student loan debt discharged if you are able to provide that you:
- Have made a reasonable effort to pay your student loan debt
- Are facing a financial situation that most likely will not change in the immediate future
- Would not be able to maintain a minimum standard of living while paying these debts
Texas Chapter 7 Bankruptcy Attorneys Client Story
This client story is for educational purposes only.
Steven used to be a hard worker. He still is. But life doesn’t always care how hard you try.
A few years ago, Steven had a good job, a modest home, and a simple plan: work, save, and take care of his family. Then, one injury changed everything. The hospital bills stacked up fast. He tried to keep up, but the medical debt grew larger than his paycheck. Then came the credit cards. He needed them to buy groceries and gas. Before long, the interest piled up too.
Then Steven’s hours at work were cut. Some days he skipped meals to feed his kids. Other days, he just sat at the kitchen table, staring at bills, not knowing which one to pay first. He felt like he was sinking in quicksand. Every time he paid something, two more problems popped up.
He started avoiding the mailbox. The phone rang nonstop. He didn’t answer. He felt shame, fear, and the heavy silence of not knowing what to do next. He was losing sleep, losing hope, and almost losing himself. Steven didn’t want to file for bankruptcy. Like many people, he thought it meant failure. But what he really needed was a fresh start. A way out.
That’s when he found McCarty-Larson, PLLC.
From the first phone call, Steven felt something shift. They didn’t talk over him. They didn’t use big words or throw papers at him. They just listened. Really listened. Then they explained how Chapter 7 bankruptcy could help. They showed him a way to protect what he still had. A way to stop the calls. A way to start over.
McCarty-Larson, PLLC guided Steven every step of the way. They answered every question. They treated him with respect. They helped him file for Chapter 7 bankruptcy, and just like that, the mountain of debt started to disappear.
Now, Steven is rebuilding. He’s not living in fear anymore. He’s not afraid to answer the phone or check the mail. He’s focused on his kids, his work, and his future. For the first time in years, he feels free.
Steven knows now that asking for help isn’t failure. It’s courage. And for anyone in Midlothian, TX feeling like he once did, he wants you to know—there’s a way out.
Why You Don’t Have to Face This Alone
When you’re deep in debt, it can feel like the walls are closing in. The calls won’t stop. The bills keep piling up. And the weight of it all just won’t let you breathe. At McCarty-Larson, PLLC, we know what that’s like. We’ve helped countless individuals across Texas find solid footing again through Chapter 7 bankruptcy.
A Clear Path Forward Starts With a Call
If you’re struggling to keep up and wondering how to make it through another month, it may be time to talk to someone who knows the law and knows how to help. As Texas Chapter 7 Bankruptcy Attorneys, we take time to listen to your story. We’ll walk you through what bankruptcy could mean for your future—and just as importantly, what it doesn’t mean. There’s a way through this. We’re here to help you find it.
Let’s Talk About Your Next Step
You don’t need to have everything figured out before calling. That’s what we’re here for. At McCarty-Larson, PLLC, we believe everyone deserves a second chance. If you’re ready to take the next step toward a fresh start, call our office to schedule your appointment. We’ll answer your questions and help you understand your options. You’re not alone anymore. Let’s work together on a plan to move forward.
Client Reviews
This office saved me an immeasurable amount of stress. They got my case dismissed and I didn’t even have to go to court! My cousin used them in the past for different needs and she sings their praises too! They never made me feel anything other than taken care of!!! Thank you so much McCarty-Larson!!!
Casey Harmon
We Can Help.
Our dedicated team is here to help you reclaim your future.
By working with our experienced bankruptcy attorneys, you can achieve a fresh financial start through Chapter 7 or Chapter 13 bankruptcy, empowering you to rebuild your credit, protect your assets, and pursue employment, housing, and life goals free from the burden of overwhelming debt.
We Proudly Serve the Following Communities
Ellis County including the cities of Ennis, Waxahachie, Midlothian, Red Oak, Ferris, Palmer, Italy, Milford, Maypearl, Garrett, Pecan Hill, Alma, Oak Leaf, and Bardwell.
Johnson County including the cities of Cleburne, Burleson, Joshua, Keene, Alvarado, Godley, Grandview, Venus, Rio Vista, Briaroaks, Cross Timber, Coyote Flats, and Joshua.
Tarrant County including the cities of Fort Worth, Arlington, Grand Prairie, Mansfield, Euless, North Richland Hills, Bedford, Grapevine, Haltom City, Keller, Hurst, Southlake, Colleyville, Saginaw, Watauga, White Settlement, Azle, Forest Hill, Lake Worth, Richland Hills, River Oaks, Sansom Park, Westworth Village, Benbrook, Crowley, Blue Mound, Edgecliff Village, Everman, Pantego, Dalworthington Gardens, and Kennedale.
Dallas County including the cities of Dallas, Garland, Irving, Grand Prairie, Mesquite, Carrollton, Richardson, Rowlett, DeSoto, Duncanville, Cedar Hill, Lancaster, Farmers Branch, Balch Springs, Coppell, Seagoville, Glenn Heights, Sachse, Wilmer, Hutchins, Addison, Sunnyvale, Cockrell Hill, Highland Park, and University Park.
