A bankruptcy lawyer helps you get out from under debt you can't pay — stopping collections, lawsuits, garnishment and foreclosure — and decides with you whether Chapter 7, Chapter 13 or another option fits best.

Questions to ask before you hire

Am I eligible for Chapter 7 or Chapter 13?
What happens to my house and car?
Which debts will be wiped out?
What's your total fee, including filing?
How soon can collection calls stop?

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Doerr Knudson Attorneys At Law

·Portales, NM·Attorneys

Doerr Knudson Attorneys At Law in NM.

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Christensen Law

·Portales, NM·Attorneys

Christensen Law in NM.

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New Mexico Bankruptcy guides

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Plain-English guides to the law. General information, not legal advice.

The Automatic Stay in New Mexico Bankruptcy

New Mexico bankruptcy automatic stay (11 U.S.C. § 362) immediately halts most collection actions, lawsuits, foreclosures, and wage garnishments the moment a bankruptcy is filed.

Chapter 11 Business Reorganization in New Mexico

New Mexico businesses can use Chapter 11 to reorganize debt while continuing operations. Subchapter V (small-business) streamlines for businesses with debt under ~$7.5M.

Chapter 13 Bankruptcy in New Mexico

Chapter 13 ("reorganization" bankruptcy) lets New Mexico debtors keep their assets and repay debts under a 3- or 5-year court-supervised plan. The state's median household income (~$94,000 for a family of 4) controls plan length.

Chapter 7 Bankruptcy in New Mexico: Exemptions and Eligibility

New Mexico bankruptcy uses EITHER state OR federal exemptions. Homestead: $60,000 ($120,000 married joint).

Debt-Collection Defense in New Mexico

New Mexico consumers facing debt-collection lawsuits have powerful defenses — federal FDCPA, state consumer protection laws, statutes of limitations, and proof requirements that collectors often can't meet.

Debts That Survive Bankruptcy in New Mexico

Bankruptcy is federal — but not all debts get discharged. New Mexico cases are filed in U.S. Bankruptcy Court for the District of New Mexico. Several debt categories survive bankruptcy.

Bankruptcy Means Test in New Mexico

New Mexico bankruptcy means test compares debtor income to median family income (currently ~$94,000 for a family of 4). Below median = automatic Chapter 7 eligibility.

Student-Loan Discharge in Bankruptcy in New Mexico

New Mexico student loans CAN be discharged in bankruptcy under the "undue hardship" Brunner test, plus DOJ's 2022 guidance has made it dramatically easier. Other federal options — IDR, PSLF, forgiveness — also relevant.

Wage Garnishment Defense in New Mexico

New Mexico wage garnishment is capped at federal limits (25% of disposable income or 30× minimum wage) — and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.

Attorneys near Clovis

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Frequently Asked Questions

Will bankruptcy stop collection calls and garnishment?

Filing triggers the automatic stay, which generally stops most collection actions, lawsuits, garnishments and foreclosures right away.

Chapter 7 or Chapter 13?

Chapter 7 wipes out most unsecured debt in a few months if you qualify. Chapter 13 sets up a 3–5 year payment plan and can help you keep a home or car.

How much does a bankruptcy lawyer in Clovis cost?

Chapter 7 is usually a flat fee; Chapter 13 fees are often partly paid through the plan. Ask for the total, including court filing costs.

How many bankruptcy lawyers are listed in Clovis?

There are currently 2 bankruptcy lawyers listed in Clovis on CGMIMM.