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Are your finances so out of control that if you stacked up all the unpaid bills you would literally be drowning in debt? Are you tossing and turning at night due to the non-stop phone calls and threats from creditors and collectors?
Do you need a fresh start now and not a second later? If any of this sounds familiar, Bankruptcy can help.
📚 Related legal guides
Background reading on the practice areas this attorney handles.
bankruptcy
Wage Garnishment Defense in Texas
Texas 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.
bankruptcy
Debt-Collection Defense in Texas
Texas 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.
bankruptcy
Student-Loan Discharge in Bankruptcy in Texas
Texas 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.