Best Bankruptcy Attorneys in Wichita Falls

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John Leonard, PLLC logo
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John Leonard, PLLC

900 8th Street, Wichita Falls, TX 76301
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

John Leonard, PLLC is a law firm that has been serving Wichita Falls and the surrounding areas since 2006. The bankruptcy attorneys at the firm represent creditors and debtors in chapters 7, 11, 12, and 13. They offer legal advice and representation at a fair cost to individuals, small and large businesses, and non-profit organizations. John Leonard, the firm's founding attorney, is Board-certified by the Texas Board of Legal Specialization in Consumer and Business Bankruptcy Law.

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John Leonard, PLLC

Law Office of Gregory A Ross, PC logo
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Law Office of Gregory A Ross, PC

4245 Kemp Boulevard, Wichita Falls, TX 76308
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  • Debt Settlement

Business Description

Law Office of Gregory A Ross PC has offered legal solutions for bankruptcy matters for clients in Wichita Falls for over 28 years. Lawyer Gregory A Ross assists creditors and debtors in Chapter 7 and 13 cases, representing them during hearings in bankruptcy courts. He helps negotiate payment schedules and principal balance interest. Ross also assists creditors and debtors with cases surrounding foreclosures, garnishments, receiverships, and collection and creditor's rights. He is a member of the National Association of Consumer Bankruptcy Attorneys.

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Law Office of Gregory A Ross, PC

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Frequently Asked Questions

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 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 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.

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