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Arlington Chapter 7 Bankruptcy Lawyers

Erase Debts & Claim a Clean Slate in Texas

Every year, millions of Americans find themselves burdened by credit card debt they can never realistically pay back. Chapter 7 bankruptcy – also known as liquidation – offers a path to eliminating unsecured debts. For those who qualify, Chapter 7 bankruptcy protection paves the way toward new beginnings and a clean slate.

Get in touch with our team by contacting us online or calling (817) 500-9433.

Do I Qualify for Chapter 7?

Since 2005, individuals must qualify for Chapter 7 or be forced to pay their disposable income to creditors for three to five years.

Debtors may qualify for Chapter 7 bankruptcy in any of the three following ways:

  • Having an income less than the average income for their household size.
  • Having the majority of debt be “non-consumer”. This can be tricky because a mortgage is considered consumer debt and can often cause the struggle. Large judgments that come from a lost civil trial will often push individuals into a position where they qualify. This calculation is sometimes difficult to predict and takes some skill.
  • Passing the “Means Test.” The Means Test is a calculation that seeks to determine a bankruptcy debtor’s disposable income, based on some real-world expenses such as mortgage and car payments and IRS allowances that sometimes are less realistic. If a debtor can pass the Means Test by showing he has insufficient funds to pay back any appreciable amount of money to his unsecured creditors, he can file a Chapter 7 bankruptcy petition.

Individuals who have an income too high to qualify for Chapter 7 can still obtain debt relief through Chapter 13. Both types of bankruptcy act as a shield against creditors. Our bankruptcy attorneys in Dallas-Fort Worth also offer other types of debt relief service, including fair debt collection practices claims that assist those who are targets of overzealous creditors.

Can I file Chapter 7 as an Individual?

For individuals who qualify, Chapter 7 personal bankruptcy can permanently eliminate most types of unsecured debt in just a few months.

Usually, these bankruptcies are due to debts such as:

  • Credit card debt
  • Medical bills
  • Utility bills
  • Leases
  • Personal loans
  • Certain types of business debts

Can I file Chapter 7 as a Business?

Not every business needs to file Chapter 7 bankruptcy upon ending. Non-bankruptcy solutions, such as a simple dissolution, may be more appropriate. However, businesses may benefit from pursuing Chapter 7 to wrap up their affairs in an orderly manner. Businesses do not discharge their debts in bankruptcy as an individual does – the debt just becomes uncollectible.

To learn more about whether filing for Chapter 7 bankruptcy protection can benefit you or your business, call Norred Law at (817) 500-9433.

As Texas business owners for more than 15 years, we are particularly attuned to the concerns that small businesses face. We draw on this first-hand experience to help our small-business clients achieve their long-term goals. Our lawyers in Arlington, TX can determine whether Chapter 7, Chapter 11, or non-bankruptcy solutions will best meet your needs. If you are a business owner pursuing Chapter 7 bankruptcy, our bankruptcy attorneys can help you wind down a dying business, allowing you to move on toward new ventures with a clean start.

At Norred Law, we assist clients with both personal and business bankruptcies. Our firm prides itself on offering personalized, one-on-one client service. We do not run a high-volume business that depends on overwhelming the market with advertising and impersonal service – instead, we emphasize quality over quantity to provide our clients with accessible and responsive service. We are conveniently located in Arlington and serve clients throughout the Dallas-Fort Worth Area.

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The Differences

Between Frustration & Peace of Mind
  • Transparency

    Our clients can access an electronic communication system to check the status of their cases.

  • Availability

    We do our best to respond to all queries within 24 hours of receiving them.

  • Quality

    We establish reasonable expectations and work tirelessly to exceed them.

  • Commitment

    We work to create long-term relationships with our clients through helpful representation.