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Best Bankruptcy Attorneys in Grand Prairie

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Acker Warren logo
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Acker Warren

2205 West Division Street, Arlington, TX 76012
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Chapter 11 Bankruptcy

Business Description

Acker Warren is a bankruptcy law firm that provides debt options for individuals and business owners in the Grand Prairie area. The firm's bankruptcy lawyers represent clients who need to file chapter 13 bankruptcy petitions, which aim to repay child support, mortgage, and vehicle arrears over a set period of time. It also assists in filing chapter 11 bankruptcy to reorganize debts, assets, and business affairs. Filing of chapter 7 bankruptcy is also available to eliminate unsecured debts such as signature loans, utility bills, and credit cards.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (48)
Facebook
5.0 / 5 (12)

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5.0
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Hunt Law Firm logo
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Hunt Law Firm

2010 North Hampton Road, DeSoto, TX 75115
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Hunt Law Firm is a bankruptcy law firm and debt relief agency that offers its services to Grand Prairie. Gwendolyn E. Hunt has been practicing bankruptcy law for almost 35 years, handling chapters 7 and 13 bankruptcy cases. She provides consultation services to individuals who are considering bankruptcy. She asks about their income, debts, and assets to determine which bankruptcy chapter is the most appropriate solution. Hunt is currently a Chapter 13 Trustees Board Member in the Northern District of Texas.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
4.8 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Law Office of Marilyn D. Garner logo
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Law Office of Marilyn D. Garner

2001 East Lamar Boulevard, Arlington, TX 76006
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Chapter 11 Bankruptcy

Business Description

The Law Office of Marilyn D. Garner serves clients in Grand Prairie, Arlington, and the surrounding areas. Garner is a bankruptcy lawyer who started practicing law in 1983. Together with her team, they help clients decide whether their situation falls under a chapter 7, 11, or 13 bankruptcy, and offer alternatives whenever applicable. They also deal with collections defense, exemptions, foreclosures, loan modification, and repossessions. Aside from bankruptcy, they also handle estate planning.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (88)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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The Law Office of Vicki McCarthy logo
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The Law Office of Vicki McCarthy

114 South 5th Street, Midlothian, TX 76065
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Founded in 1988, The Law Office of Vicki McCarthy represents individuals and businesses in chapters 7 and 13 bankruptcy cases in Grand Prairie. A chapter 7 bankruptcy filing is for complete discharging of all debts and a chapter 13 bankruptcy filing is for the reorganization of one's payment plan with a more manageable payment schedule. Its principal lawyer, Vicki McCarthy, also works on auto and truck accidents, construction site accidents, and death claim cases. The Law Office of Vicki McCarthy is located in Midlothian.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Wadsworth Law Firm logo
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Wadsworth Law Firm

606 West Wheatland Road, Duncanville, TX 75116
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Wadsworth Law Firm is a team of bankruptcy attorneys serving Grand Prairie and nearby areas. The professionals from this business offer debt relief options to help protect clients from creditor harassment, eliminate their medical bills and IRS debts, and stop home foreclosures. The firm has experience in both business and consumer bankruptcy, specifically with chapters 13 and 7. The firm's founder, Wally Wadsworth, has more than 25 years of bankruptcy law experience.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Wadsworth Law Firm logo
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Wadsworth Law Firm

606 West Wheatland Road, Duncanville, TX 75116
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Wadsworth Law Firm is a bankruptcy law firm led by Wally Wadsworth that serves the Grand Prairie area. Wadsworth has been practicing bankruptcy for more than 30 years now. He has in-depth knowledge and experience with business and consumer bankruptcy under chapters 7 and 13. He personally meets with potential clients to help them understand bankruptcy and its process and to determine whether bankruptcy is right for them. Wadsworth also helps protect his clients from creditor harassment and foreclosures. He can also scale down or cancel medical bills and IRS debt.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
5.0 / 5 (5)
Avvo
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Frequently Asked Questions

What does a bankruptcy attorney do?

Bankruptcy attorneys help clients understand whether they qualify for bankruptcy and what their best options are. They also prepare and file petitions, answer questions during the proceedings, and educate clients about potential best steps for a positive bankruptcy outcome. Bankruptcy attorneys might also file motions or paperwork if creditors dispute the bankruptcy, or to stop creditors from taking collections actions forbidden by the bankruptcy.

What happens when you file bankruptcy?

Bankruptcy is a formal process that individuals, married couples, or businesses can enact when they are no longer able to pay creditors. In a bankruptcy proceeding, filers are allowed to reduce debt to more manageable levels to best pay off money owed.

Once the bankruptcy process is initiated, debt collectors can no longer seek repayments outside of the arrangements detailed in the bankruptcy settlement. Some forms of bankruptcy result in the liquidation of assets to pay back debts, while others allow filers to retain most of their possessions and investments. Many types of unsecured debt can be managed with bankruptcy filings, but not all.

Can you file bankruptcy on student loans?

Under most circumstances, student loans aren't dischargeable and aren't included in bankruptcy proceedings. In rare cases, it may be possible to eliminate student loans through bankruptcy, but only if the courts determine that continuing to pay the loans would impose an undue hardship. Meeting the criteria for undue hardship is challenging, and most bankruptcy filers don't qualify.

What is bankruptcy fraud?

Bankruptcy fraud is a blanket term that refers to any kind of dishonest bankruptcy proceeding, which can include:

  • Hiding assets by transferring them to another person or entity
  • Intentionally omitting assets when reporting to the court
  • Destroying or withholding required documents
  • Knowingly making false statements to bankruptcy trustees or creditors

How long is bankruptcy on public record?

How long bankruptcy stays on public record depends on the kind of bankruptcy filing in question. Chapter 7 bankruptcy remains on the record for 10 years as there isn't necessarily a repayment component. Chapter 13 bankruptcy remains on the record for seven years as some obligations are repaid following filing based on the terms of a discharge settlement.

Does bankruptcy clear tax debt?

Bankruptcy can clear tax debt, depending on the circumstances. Taxes are dischargeable under Chapter 7 bankruptcy, not Chapter 13, and only if the tax debt is:

  • Federal income tax debt related to current properly filed tax returns
  • Honestly incurred with no fraud or evasion
  • At least three years old
  • Assessed at least 240 days before bankruptcy filings

Existing liens are not eliminated with bankruptcy.


Can they take my car in Chapter 7 bankruptcy?

In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.

How bad is it to file bankruptcy twice?

Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn't recommended. Filing multiple times puts a serious burden on one's credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.

Note that filing for bankruptcy isn't something that can be done at a filer's leisure. There are time limits following bankruptcy cases that dictate when it's permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.

Can anyone file bankruptcy?

Anyone can file bankruptcy, but there are limitations regarding which form of bankruptcy is permissible. Qualifying for Chapter 7 requires a means test that evaluates income, debt levels, and income left over each month after paying basic obligations. Income over the median set by the court and monthly income that allows meaningful payments toward unsecured debt can disqualify filers from Chapter 7, which is generally the preferred form of bankruptcy due to the possibility of a full discharge. Anyone can file Chapter 13 bankruptcy, but the terms are less favorable. In most cases, some debts must be repaid following a successful filing. Chapter 13 is also more likely to result in asset forfeiture.

How will bankruptcy affect my credit score?

Bankruptcies are noted on credit reports. How much a bankruptcy might drop a person's credit score depends on how high the score was to begin with, but generally speaking, the hit can be as much as 100 to 200 points. Often scores are already dropping because people filing for bankruptcy may have already missed payments on debts. Chapter 13 bankruptcies are listed on credit reports for seven years from the filing date, while Chapter 7 bankruptcies are listed for 10 years from the filing date. This is because Chapter 13 bankruptcies require at least partial payment of debts owed.

What are the benefits of filing for bankruptcy?

Filing a bankruptcy petition causes an automatic stay. This legally stops creditors from taking further action to collect debt, including garnishing wages or foreclosing on property. Going through a bankruptcy successfully means that debts included in the bankruptcy are discharged and don't have to be paid back, except as provided in a Chapter 13 repayment plan. Bankruptcy can help someone recover from financial duress so they can make better decisions and improve financial situations in the future. Disadvantages can include temporary lower credit scores and limitations on spending and financing.

What's the difference between debt settlement and bankruptcy?

Debt settlement occurs when people negotiate with individual creditors. The creditor agrees to take a payment that's lower than what someone owes and call the debt “paid in full.” Bankruptcy is a legal process that causes debts to be dismissed after someone proves they don't currently have the means to pay their debts as owed. Typically, someone can't enter into bankruptcy and also settle some debts, because the court would see that as favoring one creditor over another.

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