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Best Bankruptcy Attorneys in Lubbock

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Clinton W. Cook Attorney at Law logo
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Clinton W. Cook Attorney at Law

8008 Slide Rd Suite #9, Lubbock, TX 79424
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Clinton W. Cook Attorney at Law has been assisting clients in Lubbock on various legal matters. He has been assisting clients to save their homes from foreclosures by guiding them through the debt relief process. He assesses the clients' financial situations and advises whether they file chapter 7 or chapter 13 petitions. He also handles probate cases, drafts wills, and helps injury victims get compensation. Cook's practice areas also cover commercial litigation and transactions.

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
Google
3.8 / 5 (6)

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
Responsiveness
Friendliness
Helpfulness
Detail
Elizabeth S. Huffman, Attorney at Law logo
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Elizabeth S. Huffman, Attorney at Law

1706 14th Street, Lubbock, TX 79401
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Based in Lubbock, Elizabeth S. Huffman, Attorney at Law is a debt relief agency helmed by bankruptcy attorney Elizabeth S. Huffman that specializes in helping clients achieve relief from debt. Elizabeth S. Huffman is the only female attorney in Lubbock that has been certified in consumer bankruptcy by the Texas Board of Legal Specialization, which certified her in 2000. The debt relief agency assists with filing chapter 7 or 13 bankruptcy proceedings while guiding clients every step of the way.

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
Google
4.8 / 5 (4)

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
Responsiveness
Friendliness
Helpfulness
Detail
Fargason, Booth, St. Clair, Richards & Wilkins, LLP logo
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Fargason, Booth, St. Clair, Richards & Wilkins, LLP

4716 4th St Ste 200, Lubbock, TX 79416
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement
  • Chapter 11 Bankruptcy

Business Description

Fargason, Booth, St. Clair, Richards, and Wilkins LLP is a law firm in Lubbock, Texas, that provides businesses, individuals, couples, and farmers with legal counsel in matters relating to bankruptcy. The firm handles Chapter 7 filings, helping clients discharge unsecured debts in exchange for non-exempt property. Attorneys also handle Chapter 11, 12, and 13 cases, developing plans to restructure businesses and pay off unsecured debts over time. Other practice areas include real estate and family law.

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.
4.4
Google
4.4 / 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
Responsiveness
Friendliness
Helpfulness
Detail
Sam C. Gregory, PLLC logo
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Sam C. Gregory, PLLC

2742 82nd St L, Lubbock, TX 79423
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Sam C. Gregory PLLC is a bankruptcy attorney based in Lubbock, Texas, that has been practicing law for over 20 years. He represents creditors and debtors filing for Chapter 7 and Chapter 13 bankruptcy. He is also practicing Student Loan Debt and IRS Tax Debt. Services generally involve helping the client discharge unsecured debts by liquidation or repay debts under the supervision of the court by submitting a payment plan. Mr. Gregory is certified in consumer bankruptcy by the Texas Board of Legal Specialization.

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
5.0 / 5 (3)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Tanya L. Boucher, PC logo
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Tanya L. Boucher, PC

8008 Slide Rd, Ste 20, Lubbock, TX 79424, Lubbock, TX 79424
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • IRS Tax Debt

Business Description

Tanya L. Boucher, PC is a bankruptcy law firm in Lubbock helmed by Tanya Boucher Conn, Attorney at Law. The firm represents individuals and businesses in matters of bankruptcy law, helping with evaluating for Chapter 7 and Chapter 13 bankruptcies. The firm offers services including but not limited to loan-free debt consolidation, debt repayment plans or reductions, and credit restoration. In some cases, Tanya L. Boucher, PC also helps clients to discharge unwanted debts and stop wage garnishments and IRS liens.

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
3.8 / 5 (5)
Avvo
5.0 / 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
Responsiveness
Friendliness
Helpfulness
Detail
Tarbox Law, P.C. logo
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Tarbox Law, P.C.

2301 Broadway L, Lubbock, TX 79401
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement
  • Student Loan Debt
  • Corporate Restructuring
  • Chapter 11 Bankruptcy

Business Description

Tarbox Law PC is the sole practice of bankruptcy attorney Max R. Tarbox, serving residents of the Lubbock, Texas, metro area for over 20 years. Mr. Tarbox works primarily in business and consumer bankruptcy, handling Chapters 7, 11, 12, and 13. The attorney helps individuals liquidate their assets and businesses and family farmers to reorganize debts and obtain post-bankruptcy loans. Mr. Tarbox is certified by the American Bankruptcy Board in Business and Consumer Bankruptcy.

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.
4.5
Google
4.4 / 5 (7)
Avvo
5.0 / 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
Responsiveness
Friendliness
Helpfulness
Detail
The Moster Law Firm logo
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The Moster Law Firm

4920 S Loop 289 Ste 102 L, Lubbock, TX 79414
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Corporate Restructuring
  • Chapter 11 Bankruptcy

Business Description

The Moster Law Firm has been practicing bankruptcy and business law for over 30 years, serving clients in Lubbock, Amarillo, and Georgetown, Texas. Mr. Moster and his legal team work with startup companies and multinational corporations in Chapter 11 proceedings. The firm assists creditors with filing proof of claims, rejection of executory contracts, and relief from stay motions. It also provides creditor enforcement and helps clients purchase assets in section 363 sales.

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

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
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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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