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Can the IRS Take My Texas Home If I Owe Back Taxes?
The IRS does have the power to seize and sell a Texas home for unpaid federal taxes, but this is rare and only occurs when other assets or payment options
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Does Putting Assets in a Trust Protect Them from Medical Debt in Texas?
Yes, transferring assets into a properly structured trust can shield them from most unsecured creditor claims, including medical debt, in Texas. As…
NewHow Do I Protect My Texas Construction Business from MCA Lenders Freezing My Bank Accounts?
If your Texas construction business is paying tens of thousands a month to merchant cash advance (MCA) lenders and you’re worried they could freeze…
NewSued by Portfolio Recovery Associates in Texas? How to Respond
A lawsuit from Portfolio Recovery Associates, LLC (often shortened to PRA) means a debt buyer has taken an old account to court. PRA is one of the…
NewSued by Midland Credit Management in Texas? What to Do Next
If you were served with a lawsuit from Midland Credit Management or Midland Funding, LLC, you are dealing with one of the largest debt buyers in the
NewSued by LVNV Funding in Texas? What It Means and What to Do
Many people who are sued by LVNV Funding, LLC have never heard of it. That is normal. LVNV does not issue credit cards or make loans. It buys accounts
NewSued by Crown Asset Management in Texas? Check the Date First
Crown Asset Management, LLC is a debt buyer based in Georgia. It buys charged-off consumer accounts, usually credit cards and personal loans, and…
All articles by topic
Chapter 7 Bankruptcy
44 articlesNew Bankruptcy Debt Limits: What H.R. 7730 Means in Texas
Congress has passed H.R. 7730, the Bankruptcy Threshold Adjustment Act. Once the President signs it, Chapter 13 will have a single debt limit of
Should I Wait to File Bankruptcy While Social Security Reviews My Disability Benefits?
Often, yes. If Social Security is reviewing your disability benefits and might decide you were overpaid, waiting for the decision usually leads to a
Can I Recover Attorney's Fees When a Creditor Violates the Automatic Stay in Texas?
Often, yes. When you file bankruptcy, the automatic stay stops collection and litigation against you. If a creditor keeps suing you anyway, an…
Texas Homestead Exemption in Chapter 7 Bankruptcy
Texas provides one of the strongest homestead protections in the United States. Unlike many states that limit the amount of home equity that can be…
Texas Chapter 7 Means Test Calculator (2026): Do You Qualify?
Free Texas Chapter 7 means test calculator. Instantly check your household income against the 2026 Texas median limits to see if you qualify for…
Can Bankruptcy Protect Me from a Deficiency Lawsuit on Equipment Loans in Texas?
Yes, bankruptcy can protect you from a deficiency lawsuit on business equipment loans in Texas, even if you didn't list the loan in your previous…
Can You Keep Your Home? Texas Bankruptcy Exemptions 2026
The full 2026 list of Texas bankruptcy exemptions — protect your home, car, retirement, and personal property. See exactly what you keep in…
How to File Bankruptcy in Texas: Step-by-Step Guide
To file bankruptcy in Texas: complete credit counseling within 180 days, file your petition and schedules, then attend the 341 meeting 20-40 days…
Keep Your Home in Bankruptcy | Texas Homestead Protection Guide
Texas protects unlimited home equity in bankruptcy if you stay within the acreage limits: 10 acres urban, 100 or 200 rural. See how to keep your…
Can You Pass the 2026 Texas Chapter 7 Means Test?
2025 Texas Chapter 7 Income Limits | Qualify Today | Free Calculator
How Much Is Chapter 7 Bankruptcy in Texas? 2026 Breakdown
See what Chapter 7 bankruptcy really costs in Texas in 2026 — attorney fees, court filing costs, and payment plans, plus how to file with little…
Can You Protect Your Real Estate Assets in a Texas Bankruptcy?
In Texas, you can protect your primary residence (homestead) during bankruptcy thanks to the state’s unlimited homestead exemption under Texas…
2026 Texas Bankruptcy Checklist: Documents You Need
Before filing Chapter 7 in Texas, gather 6 months of pay stubs, recent tax returns, bank statements, and a list of your assets, debts and recent…
Can My Ex-Husband Discharge Debts Owed to Me in Chapter 13 Bankruptcy?
In many cases, debts arising from divorce decrees, such as property settlements or alimony, cannot be easily discharged in a Chapter 13 bankruptcy.…
The 341 Meeting of Creditors: What to Expect in Chapter 7
The 341 Meeting of Creditors is a required hearing in every Chapter 7 bankruptcy case. It is named after Section 341 of the Bankruptcy Code. Despite…
Student Loan Debt and Chapter 7 Bankruptcy: What Texas Filers Need to Know
Student loan debt is one of the most difficult obligations to discharge in bankruptcy. Under current federal law, student loans are generally not…
Rebuilding Your Credit After Chapter 7 Bankruptcy
Chapter 7 bankruptcy remains on a credit report for up to ten years. However, the practical impact on credit diminishes significantly over time, and…
Is Your 401k and Retirement Protected in Chapter 7 Bankruptcy?
One of the most common concerns during bankruptcy consultations is whether retirement savings will be lost. The short answer for most Texas filers is…
How Much Does Chapter 7 Bankruptcy Cost in Texas?
Filing Chapter 7 bankruptcy involves several cost components. Understanding these costs upfront helps individuals plan and avoid surprises during the…
How Chapter 7 Bankruptcy Stops Lawsuits and Judgments in Texas
One of the most powerful features of Chapter 7 bankruptcy is the automatic stay. The moment a bankruptcy petition is filed, the court issues an order…
Filing Chapter 7 Bankruptcy with Your Spouse in Texas
Married couples in Texas can file Chapter 7 jointly or individually. The decision depends on the nature of the debts, each spouse's income and…
Eliminating Medical Debt Through Chapter 7 Bankruptcy in Texas
Medical debt is unsecured debt. It is treated the same as credit card balances, personal loans, and other obligations not backed by collateral. This…
Eliminating Credit Card Debt Through Chapter 7 Bankruptcy in Texas
Credit card debt is one of the most common reasons individuals consider Chapter 7 bankruptcy. Because credit cards are unsecured obligations…
Chapter 7 Means Test Explained (Texas)
The Chapter 7 means test is the financial screening mechanism used to determine whether a debtor qualifies for Chapter 7 bankruptcy or must instead…
Car Repossession and Deficiency Balances: How Chapter 7 Helps
When a vehicle is repossessed and sold, the sale price often does not cover the remaining loan balance. The difference between what was owed and what…
Can You Keep Your House in Chapter 7? Mortgage and Homestead in Texas
Texas provides one of the strongest homestead protections in the country. Unlike most states that cap the dollar amount of equity protected, Texas…
Can You Keep Your Car in Chapter 7 Bankruptcy in Texas?
In most cases, yes. Many individuals filing Chapter 7 in Texas are able to keep their vehicles. Whether a car is protected depends on the equity in…
Automatic Stay in Chapter 7 Bankruptcy
The automatic stay is one of the most powerful protections provided by bankruptcy law. Immediately after a bankruptcy petition is filed, the court…
Navigating Chapter 7 Bankruptcy in Texas with $50,000 in Unsecured Debt
Facing $50,000 in unsecured debt can feel like an insurmountable obstacle for anyone. In this detailed exploration, we mirror a real-life scenario of…
Chapter 7 vs Chapter 13 Bankruptcy in Texas: Which is Right for You?
Chapter 7 vs Chapter 13 Bankruptcy in Texas: Which is Right for You?
$270K SBA Loan + $16K Credit Cards = Zero After Chapter 7
$270K SBA Loan + $16K Credit Cards = Zero After Chapter 7
Chapter 7 vs 13: Which Bankruptcy Saves You More? | 2-Min Quiz
Chapter 7 or Chapter 13 in Texas? Compare timelines, eligibility, what you keep and what you pay, and use the quick decision tool to see which…
Job Loss Health Crisis Bankruptcy Recovery Dallas | Real Story
A job loss and a health crisis can drain savings fast. Follow John's path from mounting medical debt to a fresh start through bankruptcy, and see…
Student Loan Discharge in Chapter 7 Bankruptcy: Texas 2025 Updates
Student Loan Discharge in Chapter 7 Bankruptcy: Texas 2025 Updates
Medical Debt Bankruptcy in Texas: Andrei's Journey from Crisis to Recovery
Medical Debt Bankruptcy in Texas: Andrei's Journey from Crisis to Recovery
Texas Chapter 7 Bankruptcy Income Limits 2025 - Complete Guide
Texas Chapter 7 Bankruptcy Income Limits 2025 - Complete Guide
Real Bankruptcy Success Stories - Dallas Clients
Real Bankruptcy Success Stories - Dallas Clients
Medical Debt Bankruptcy Attorney Dallas | Eliminate Hospital Bills | Chapter 7
Medical Debt Bankruptcy Attorney Dallas | Eliminate Hospital Bills | Chapter 7
Free Bankruptcy Analysis Tools
Free Bankruptcy Analysis Tools
Emergency Bankruptcy Filing Dallas | Same Day Filing | Stop Foreclosure Today
Emergency Bankruptcy Filing Dallas | Same Day Filing | Stop Foreclosure Today
Chapter 7 vs Chapter 13 Bankruptcy | Which is Right for You? | Dallas Attorney
Chapter 7 vs Chapter 13 Bankruptcy | Which is Right for You? | Dallas Attorney
Bankruptcy After Divorce in Dallas, Texas
Bankruptcy After Divorce in Dallas, Texas
Free Chapter 7 Bankruptcy Eligibility Calculator
Free Chapter 7 Bankruptcy Eligibility Calculator
How to File Chapter 7 Bankruptcy in Dallas TX: Complete 2025 Guide
How to File Chapter 7 Bankruptcy in Dallas TX: Complete 2025 Guide
Chapter 13 Bankruptcy
23 articlesShould I Choose Debt Settlement or Chapter 13 Bankruptcy in Fort Worth?
If you’re overwhelmed by credit card and loan lawsuits in Fort Worth, debt settlement may offer a lower monthly payment and more flexibility than…
Is a Chapter 13 Repayment Plan Worth It If I Can’t File Chapter 7 Again in Texas?
If you’re blocked from Chapter 7 in Texas due to a recent discharge and your income is too high, a Chapter 13 repayment plan often won’t deliver real
Can Filing Chapter 13 Bankruptcy in Arlington, TX Protect My Business From MCA Lenders and Contract Loss?
Filing Chapter 13 bankruptcy in Arlington, TX will not directly protect your business entity itself, but if you’re a sole proprietor or personally…
Can Chapter 13 Bankruptcy Stop a Texas Commercial Property Surrender or Receivership?
No, Chapter 13 bankruptcy cannot stop a lender from taking a Texas commercial property when the lender already holds a valid, perfected deed of trust…
What Happens to Settlement Funds in a Texas Chapter 13 Bankruptcy?
In Texas Chapter 13 bankruptcy, settlement funds (like personal injury awards) are usually considered property of the bankruptcy estate unless the…
What Should I Do Before Filing Chapter 13 Bankruptcy in Arlington, TX?
Before filing Chapter 13 bankruptcy in Arlington, TX, you need a detailed inventory of your assets, liabilities, and cash flow projections—especially…
When Should I Stop Paying Credit Cards Before Filing Chapter 7 in Texas?
If you’re planning to file Chapter 7 bankruptcy in Texas, stop paying your credit cards and other unsecured debts as soon as you know you’ll
Stop Foreclosure in Texas: Bankruptcy & Legal Options
Chapter 13 bankruptcy triggers an automatic stay that stops a Texas foreclosure the day you file, even days before auction. Compare all your legal…
Can a Divorce Property Settlement Be Discharged in Chapter 13 Bankruptcy?
When someone files Chapter 13 bankruptcy after a divorce, one of the most common questions is whether a property settlement debt can be wiped out.
What Is a Domestic Support Obligation in Bankruptcy?
When someone files bankruptcy after a divorce, certain debts receive special protection under federal law.
When an Ex-Spouse Files Chapter 13 Bankruptcy: What Happens to Divorce Debt in Texas?
If your ex-spouse files Chapter 13 bankruptcy, you may be worried that the money they owe you from your divorce will disappear.
How to File a Proof of Claim for Divorce Debt in a Chapter 13 Bankruptcy
If your former spouse files Chapter 13 bankruptcy while owing money under a divorce decree, one of the most important steps you may need to take is…
Protecting Cosigners With Chapter 13 Bankruptcy: The Co-Debtor Stay
When someone cosigns a loan, they agree to be equally responsible for the debt. If the primary borrower files bankruptcy, the cosigner is normally…
Paying Off Tax Debt Through Chapter 13 Bankruptcy in Texas
Tax debt is one of the most stressful financial obligations a person can face. The IRS has collection powers that most creditors lack — including…
How Chapter 13 Stops Foreclosure and Saves Your Home in Texas
For Texas homeowners facing foreclosure, Chapter 13 bankruptcy may provide the only realistic path to keeping the home.
Cramdown and Lien Stripping in Chapter 13: Reducing What You Owe
Two of the most powerful tools in Chapter 13 bankruptcy are cramdown and lien stripping. Both allow debtors to reduce the amount they owe on secured…
Converting Chapter 13 to Chapter 7: When Your Plan Isn't Working
Life does not pause during a Chapter 13 bankruptcy. Over the course of a three-to-five-year repayment plan, circumstances can change dramatically…
Chapter 7 vs Chapter 13 Bankruptcy: Which Is Right for You?
Chapter 7 and Chapter 13 are the two most common forms of personal bankruptcy. Both provide legal relief from overwhelming debt, but they work in…
Chapter 13 Repayment Plans Explained: What You Pay and For How Long
The repayment plan is the foundation of every Chapter 13 bankruptcy case. It determines how much the debtor pays each month, how long payments…
Chapter 13 Disposable Income: How Your Plan Payment Is Calculated
The most common question from people considering Chapter 13 bankruptcy is simple: how much will I have to pay each month?
Car Loan Cramdown in Chapter 13: How to Lower Your Vehicle Payments
Vehicle financing is one of the most common sources of financial stress for consumers. High interest rates, negative equity, and underwater loans can…
Teacher with $30K Medical Debt Saves Home with Chapter 13 - 70% Reduction
Teacher with $30K Medical Debt Saves Home with Chapter 13 - 70% Reduction
Texas Chapter 13 Calculator 2026: What’s Your Payment?
Estimate your Texas Chapter 13 monthly payment with our free 2026 calculator. See income limits and how disposable income sets your plan payment.
Debt Relief & Lawsuits
34 articlesSued by Portfolio Recovery Associates in Texas? How to Respond
A lawsuit from Portfolio Recovery Associates, LLC (often shortened to PRA) means a debt buyer has taken an old account to court. PRA is one of the…
Sued by Midland Credit Management in Texas? What to Do Next
If you were served with a lawsuit from Midland Credit Management or Midland Funding, LLC, you are dealing with one of the largest debt buyers in the
Sued by LVNV Funding in Texas? What It Means and What to Do
Many people who are sued by LVNV Funding, LLC have never heard of it. That is normal. LVNV does not issue credit cards or make loans. It buys accounts
Sued by Crown Asset Management in Texas? Check the Date First
Crown Asset Management, LLC is a debt buyer based in Georgia. It buys charged-off consumer accounts, usually credit cards and personal loans, and…
Sued by Capital One in Texas? Your Options Before the Deadline
Capital One files a large number of credit card lawsuits in Texas, most of them in justice court. Unlike a debt buyer, Capital One is the original…
What Happens After You Sign Up for Debt Settlement in Texas?
The first few months of a debt settlement program set up everything that follows. You list every debt you owe, start saving monthly into an account…
Can I Protect a Life Insurance Payout From Creditors and Bankruptcy in Texas?
Yes, Texas law often exempts life insurance proceeds from creditors and bankruptcy—if the policy and beneficiary designations are set up correctly.…
How Do I Protect My Texas Business Bank Account from a Merchant Cash Advance Creditor?
If your Texas business has defaulted on a merchant cash advance, open a new business bank account and set up a new merchant account at a different
Debt Responsibility After Divorce in Texas
Divorce is challenging enough without the added stress of dividing debts. In Texas, a community property state, both spouses may find themselves…
What Happens If Creditors Threaten You During Texas Debt Settlement Negotiations?
If creditors threaten you or demand payment under extreme pressure during Texas debt settlement, you may have legal claims under both Texas law and…
Can I Negotiate a Walkaway on My Texas Home if I Can’t Afford the Mortgage or SBA Loan?
Yes, you can negotiate a walkaway—such as a deed in lieu of foreclosure or a short sale—with your mortgage lenders and the SBA in Texas if you can’t…
Can a Merchant Cash Advance Freeze My Business Account in Texas?
Yes—a merchant cash advance (MCA) lender can freeze your business bank or merchant account in Texas if you default, especially if you signed a…
Texas Credit Repair: Why Most Services Are Scams in 2026
Most credit repair services in Texas promise fixes they cannot legally deliver. Learn how to spot the scams and rebuild your credit for free in 2026.
I’m in Dallas—Is It Smart to Stop Paying Creditors for Settlement?
Stopping payments to force a settlement can backfire in Texas: lawsuits, judgments, frozen bank accounts, even contempt. What happens, and when it…
Texas Debt Collection Laws 2026: Your Rights & Stop Harassment
Know your rights under Texas debt collection law in 2026 — what collectors can't do, how to stop harassing calls, and how to fight illegal collection.
How Much Does a Debt Settlement Lawyer Cost in Texas?
A debt settlement attorney in Texas typically charges 15–25% of the total debt enrolled, with flat-fee options ranging from $2,500 to $10,000+ for…
How Long After Debt Settlement Can I Buy a House in Texas?
If you’ve recently settled your debts in Texas, you can typically qualify for an FHA or VA mortgage just 12 months after settlement, provided you’ve…
Does Debt Settlement Hurt Your Credit Score?
Yes, debt settlement does hurt your credit score, but for most people considering settlement, the damage has already been done by late payments and…
What Does Wage Garnishment Mean in Texas?
Wage garnishment means a creditor takes money directly from your paycheck before you receive it—but in Texas, most private creditors cannot do this at
Your Rights Against Debt Collectors in Texas: FDCPA Protection
The Fair Debt Collection Practices Act (FDCPA) is a federal law that restricts how third-party debt collectors can contact and communicate with…
Texas Statute of Limitations on Debt: When Creditors Can No Longer Sue
Texas gives creditors four years to sue on most debts. A payment alone doesn't restart the clock, debt buyers can't sue on time-barred debt, and if…
Tax Consequences of Debt Settlement: Understanding 1099-C and Forgiven Debt
Debt settlement can dramatically reduce the amount owed to creditors, but many people are surprised to learn that forgiven debt may have tax…
Settling Credit Card Debt in Texas: What to Expect and How Negotiations Work
How credit card settlement works in Texas: when card companies and debt buyers settle, realistic results (often about 60 cents on the dollar)…
Medical Debt in Texas: Settlement, Bankruptcy, and Other Options
Medical debt is one of the leading causes of financial distress in the United States. Unlike credit card debt or personal loans, medical debt is…
Dealing With a Judgment Against You in Texas: Your Legal Options
Receiving notice that a creditor has obtained a judgment against you can be alarming. A judgment is a court order confirming that a debt is legally…
Are Your Retirement Accounts Protected From Creditors in Texas?
For many Texans, retirement accounts represent their largest financial asset outside of a home. The good news is that Texas provides some of the…
Navigating Debt Settlement: A Texas Business Owner's Path Away from Chapter 11 Bankruptcy
In the realm of business, financial disputes can escalate quickly, leading companies down a path fraught with legal complexities.
Settled $30K Medical Debt for $9K - No Bankruptcy Needed (6-Month Plan)
Settled $30K Medical Debt for $9K - No Bankruptcy Needed (6-Month Plan)
Life Crisis Debt Settlement Recovery Dallas Texas | Real Client Story
Life Crisis Debt Settlement Recovery Dallas Texas | Real Client Story
Overcoming Debt Crisis: A Guide to Debt Relief Solutions
Facing a debt crisis in Texas? Compare Chapter 13 restructuring, Chapter 7, and settlement, and see how a court-approved repayment plan actually…
Practice Areas
Practice Areas
Texas Debt Settlement Toolkit
Texas Debt Settlement Toolkit
Stop Wage Garnishment Dallas | End Paycheck Deductions NOW | Texas Attorney
Stop Wage Garnishment Dallas | End Paycheck Deductions NOW | Texas Attorney
Debt Settlement vs Bankruptcy in Texas: 2026 Cost Guide
Debt settlement or bankruptcy in Texas? Compare what each costs, how long it takes, how it affects your credit, and which one fits your debts and…
Business Law & MCA
44 articlesHow Do I Protect My Texas Construction Business from MCA Lenders Freezing My Bank Accounts?
If your Texas construction business is paying tens of thousands a month to merchant cash advance (MCA) lenders and you’re worried they could freeze…
Should I Surrender My Restaurant Lease to Avoid an SBA Loan Lawsuit in Texas?
If your Texas restaurant has closed and you’re facing default on an SBA loan, surrendering the lease—when the landlord agrees not to pursue deficiency
What Happens to Business Equipment If I Close My Business During Bankruptcy in Texas?
If your business can't support a repayment plan and you decide to close, your bankruptcy case usually ends one of two ways. It is dismissed, which…
What Deadlines Apply When Distributing Oil and Gas Royalties in a Texas Estate?
In Texas probate, the executor is responsible for acting promptly to distribute oil and gas royalties, but the law does not require them to meet…
Should I Hire a Texas Business Attorney to Settle MCA Debt or Keep Negotiating Myself?
If you’ve already negotiated principal reductions on merchant cash advance (MCA) debts but want airtight settlements and stronger negotiating power,
Can a Creditor Garnish My Business Bank Account If the Contract Lists the Wrong Entity Name or EIN?
If a creditor tries to garnish your Texas business bank account but their contract or UCC statement lists the wrong entity name or EIN, you have a…
How to Form an LLC in Texas
Starting a business can be both exciting and overwhelming, especially when considering the legal structure. If you're in Texas and contemplating…
Should I Open a New Business Bank Account If a Lender Has Access? (Texas Business Owners)
If your lender has direct access to your business bank account, opening a new account at a different Texas bank—under the same entity—is a critical…
How Do I Protect California Home Sale Proceeds After Relocating My Business to Texas?
If you sold your California home and moved to Texas, you can protect those proceeds by keeping the funds uncommingled and using them to buy a Texas
Do I Have to File Both Personal and Business Bankruptcy If My Texas LLC Has Personally Guaranteed Debt?
If you own a Texas LLC with business debts that you personally guaranteed, you almost always need to file both personal and business bankruptcy to…
How Do I Protect My Business Bank Account From an MCA Lender in Texas?
If your Texas business is in trouble with a merchant cash advance (MCA) lender, open a brand-new bank account immediately and redirect all incoming
Am I Personally Liable for My Trucking Business Debt in Texas?
If you signed personal guarantees for your trucking business debt—even if the loan or credit card was under your LLC—you are likely personally liable…
Should I Settle or Fight an Adversary Proceeding Over Construction Trust Claims in Texas Bankruptcy?
If you’re facing a construction trust claim in a Texas bankruptcy adversary proceeding, your best move is usually to file a motion to dismiss all…
Does Closing My Texas Business End My Personal Liability for EIDL Loans?
No, closing your Texas business does not automatically end your personal liability for EIDL loans. If you personally guaranteed the loan, you remain
Can I File Chapter 11 to Save One Business Location and Abandon Another in Texas?
Yes, you can file Subchapter V Chapter 11 in Texas to restructure business debt and protect a profitable location, while potentially abandoning an
SBA Loan Default and Bankruptcy: Options for Texas Business Owners
Small Business Administration (SBA) loans helped millions of businesses start and grow. However, when a business struggles financially, SBA loans can…
Can a Texas LLC File Chapter 11 If All Its Rental Properties Are in Mississippi?
A Texas LLC can technically file Chapter 11 bankruptcy in Texas, but if nearly all its rental properties are in Mississippi, the bankruptcy court may
Chapter 11 Subchapter 5 Bankruptcy for Texas Equipment Loans
In our 15+ years of experience as Texas business attorneys, we've encountered numerous situations where business owners face the daunting task of…
Can I Stop Foreclosure on My Texas Business Property Without Bankruptcy?
If your Texas business property is facing foreclosure, you may be able to stop or delay it without filing bankruptcy. Common strategies include…
Should I Settle or File Bankruptcy if My Texas Business Can’t Pay Loans With Personal Guarantees?
If your Texas business is out of cash and you’re personally on the hook for business loans, you usually have two viable options: negotiate a…
What Should I Do If My Texas Business Lawyer Stops Responding During a Financial Crisis?
If your Texas business lawyer stops responding while your business faces liens, account freezes, or urgent financial threats, document every contact
Can a Texas Business Owner Rebrand and Restart After Bankruptcy?
Yes, a Texas business owner can rebrand and restart their business after filing for bankruptcy. This strategy involves careful planning and…
What Happens to an LLC in Chapter 7 Bankruptcy
Limited liability companies are designed to separate business liabilities from the personal assets of the owner. In theory, this means business…
What Happens to an LLC in Bankruptcy? Texas Business Owner Guide
Many business owners believe forming an LLC automatically protects them if the business fails.
Texas House Bill 700: New Legal Protections Against Predatory MCA Lenders
In 2025, Texas Governor signed House Bill 700 into law, creating the state's first comprehensive regulation of commercial sales-based financing…
Starting a New Business After Bankruptcy in Texas
Many entrepreneurs fear that bankruptcy permanently destroys their ability to run a business.
SBA Loans and Chapter 7 Bankruptcy
Small Business Administration loans commonly require personal guarantees from the business owner. This means that if the business fails, the owner…
Personal Guarantees in Business Bankruptcy: What Texas Business Owners Need to Know
One of the biggest surprises business owners face during financial distress is discovering that their LLC or corporation may not fully protect them…
Merchant Cash Advances and Bankruptcy: How Texas Business Owners Can Get Relief
Merchant cash advances (MCAs) have become one of the most dangerous financing products for small businesses.
MCA Usury Defense: Voiding Predatory Rates Under Texas and New York Law
The single most powerful defense against a merchant cash advance is usury. When an MCA is recharacterized as a loan, the effective interest rate…
MCA Settlement and Negotiation Strategies for Texas Businesses
Most MCA disputes do not go to trial. They settle. The question is whether you settle from a position of weakness — paying the full claimed balance…
MCA Personal Guaranty Defense: What You Actually Owe
When you signed a merchant cash advance agreement, the funder almost certainly required you to sign a personal guaranty. Now the business is…
Is Your Merchant Cash Advance Actually a Loan? The Recharacterization Defense
Most merchant cash advance agreements are written to look like a purchase of future receivables. But if your MCA has fixed daily payments, a personal…
Filing Bankruptcy With a Spouse When Business Debt Is Involved
When business owners face financial distress, their spouse is often affected as well.
Equipment Loans and Leases in Business Bankruptcy
While financing allows businesses to expand, these loans can become a major burden during financial distress.
Emergency TRO: Stopping MCA Collections and Protecting Your Business
When an MCA funder is draining your bank account through daily ACH debits, or a judgment creditor has frozen your operating funds through…
Defending Against Confessions of Judgment in MCA Cases
A confession of judgment is one of the most dangerous weapons in an MCA funder's arsenal. It is a pre-signed document that allows the funder to walk…
Commercial Lease Obligations in Bankruptcy: Can Texas Business Owners Walk Away?
Commercial leases are one of the biggest financial risks for small business owners.
Closing a Business with Debt in Texas: Your Legal Options
When a business becomes financially unsustainable, owners often face a difficult decision: continue struggling or close the company.
Blocking Out-of-State MCA Judgments in Texas (UEFJA Defense)
When an MCA funder gets a judgment against your business in another state — usually New York — their next move is to domesticate that judgment in…
Attacking UCC Liens and Unauthorized Security Interests in MCA Cases
MCA funders routinely file UCC-1 financing statements claiming a blanket lien on every asset your business owns — and sometimes on assets belonging…
10 Red Flags in Your MCA Contract: A Defense Checklist
Every MCA defense case starts with the contract. The terms inside that agreement — often buried in dense legal language — determine what defenses you…
How Texas Business Owners Can Navigate $180,000 SBA Debt and Bankruptcy
When facing a staggering $180,000 in SBA debt and the potential collapse of two franchises, the fear of losing everything can be paralyzing. For a…
Chapter 7 Bankruptcy for Texas Business Owners with SBA Debt
Facing a staggering $180,000 SBA debt and the terrifying prospect of losing your home can feel like an insurmountable challenge. You're not alone.…
Chapter 11 & Subchapter V
12 articlesCan Filing Chapter 11 Really Stop a Commercial Property Foreclosure in Texas?
Yes, filing an emergency Subchapter V Chapter 11 bankruptcy in Texas automatically stops a commercial property foreclosure—if it’s filed before the
Can You File Bankruptcy on an SBA Loan in Texas? 2026 Update
Yes — SBA loans can sometimes be discharged in personal bankruptcy, particularly when the loan includes a personal guarantee. However, the outcome…
Subchapter V Chapter 11 Bankruptcy for Small Businesses in Texas
Subchapter V of Chapter 11 was designed specifically for small businesses needing to reorganize debt while continuing operations.
LLC vs Series LLC for Texas Rental Property Investors
Real estate investors in Texas often ask whether they should use a traditional LLC or a Series LLC to hold rental properties.
How Business Owners Use Chapter 7 Bankruptcy to Shut Down Debt and Start Over
Many business owners assume bankruptcy means the end of their entrepreneurial career.
Chapter 11 Bankruptcy for Bars and Restaurants Facing Lease and Loan Debt
Restaurants and bars operate on thin margins. When rent arrears or loan obligations grow too large, bankruptcy can become a strategic option.
What Happens When a Med Spa Falls Behind on Equipment Payments in Texas
Texas med spa behind on laser or body contouring equipment payments? Learn what happens when a lease default turns into litigation, and how to…
Chapter 7 vs Chapter 11 vs Subchapter V: Which Bankruptcy Option Is Right for Your Business?
When a business experiences financial distress, bankruptcy may provide a path forward.
$1.5M Lawsuit? Emergency Business Bankruptcy Stops Collections in 24 Hours
$1.5M Lawsuit? Emergency Business Bankruptcy Stops Collections in 24 Hours
Texas Chapter 11 Subchapter V: Save Your Small Business in 2025
Texas Chapter 11 Subchapter V: Save Your Small Business in 2025
Texas Legal Playbook - Smart Business & Family Protection
Texas Legal Playbook - Smart Business & Family Protection
Business Bankruptcy in Texas: Chapter 7 vs Chapter 11
Chapter 7 liquidates a Texas business that cannot continue; Chapter 11 restructures debt under a court-approved plan so you keep operating. Compare…
IRS Tax Debt
30 articlesCan the IRS Take My Texas Home If I Owe Back Taxes?
The IRS does have the power to seize and sell a Texas home for unpaid federal taxes, but this is rare and only occurs when other assets or payment…
IRS Payment Plans for Texas Residents
If you’re a Texas resident grappling with IRS tax debt, understanding your payment plan options is crucial. In our 15+ years of experience helping
What Documents Do I Need to Fight IRS Wage Garnishment in Texas?
If you’re facing IRS wage garnishment in Texas, you need every document showing where your income came from, where it went, and exactly how much you
What Happens If I Haven’t Filed All My Tax Returns Before an IRS Offer in Compromise?
You cannot submit an Offer in Compromise (OIC) to the IRS if any required tax returns are missing or incomplete—your offer will be automatically…
Will Filing Taxes Separately Protect My Spouse From IRS Debt in Texas?
Filing taxes separately in Texas can protect your spouse from being on the hook for IRS debt caused by your income, such as early retirement…
Will a Demand Letter Actually Get My Student Loans Discharged in Texas?
A well-drafted demand letter to your student loan servicer can open the door to discharge discussions, especially if your loans meet certain criteria
How Do I Know If IRS Tax Debt Is Assessed to Me Personally or My Business in Texas?
To confirm whether IRS tax debt is assessed to you personally or just your business, log into your IRS.gov account using your Social Security number.…
Can the IRS Garnish My Wages in Texas If I Can’t Pay Back Taxes?
Yes, the IRS can garnish your wages in Texas if you owe back taxes and don’t set up a payment arrangement. Unlike most creditors, the IRS is not
How Can I Protect My New Business from IRS Wage Garnishment in Texas?
If you’re forming a new business in Texas and worried about IRS wage garnishment, the right legal structure and compliance steps can shield your
Can a Texas Business Settle Back Taxes with an IRS Offer in Compromise?
Yes—a Texas business can resolve back taxes through an IRS Offer in Compromise (OIC), even if operating as a sole proprietorship with minimal assets…
How Fast Can the IRS Garnish Wages in Texas? (What You Need to Know)
The IRS can start garnishing your wages in Texas within weeks of sending final notices—sometimes even faster if you ignore their letters. Unlike other
How Texas Business Owners Can Stop IRS Wage Garnishment with Expert Help
You’ve invested your life into your business, but now you’re facing mounting IRS tax debt. The looming threat of wage garnishment is real, and it…
How Do I Stop IRS Wage Garnishment in Texas Without Filing Bankruptcy?
Facing IRS wage garnishment in Texas? Learn how to stop it without filing bankruptcy — installment agreements, offers in compromise, CNC hardship…
Can IRS Debt Be Discharged in Chapter 7 Bankruptcy in Texas?
Some IRS debt can be discharged in Chapter 7 bankruptcy in Texas, but only if it meets strict requirements under 11 U.S.C. § 523(a)(1). The tax debt…
The IRS 10-Year Collection Statute (CSED): When Tax Debt Expires
The IRS does not have forever to collect a tax debt. Under federal law, the IRS generally has 10 years from the date of assessment to collect. After…
Payroll Tax Debt and the Trust Fund Recovery Penalty in Texas
Payroll tax debt is treated differently from every other type of IRS debt — and the consequences are more severe. When a business fails to remit…
Payroll Tax Debt and Business Bankruptcy: What Business Owners Must Know
Payroll tax debt is one of the most dangerous financial liabilities for business owners.
IRS Tax Debt for Business Owners: Bankruptcy and Other Options
When revenue declines or cash flow becomes unstable, many business owners fall behind on tax obligations while trying to keep operations running.
IRS Tax Debt and Chapter 7 Bankruptcy in Texas
Many people assume that tax debt can never be eliminated in bankruptcy. That is not entirely accurate. Certain income tax obligations can be…
IRS Penalty Abatement: How to Get IRS Penalties Removed
When taxpayers see their IRS balance, they are often shocked to discover that penalties and interest make up a significant portion of the total —
IRS Payment Plans and Installment Agreements in Texas
If you owe the IRS money but cannot pay the full balance immediately, an installment agreement allows you to pay the debt in monthly payments over…
IRS Passport Denial Due to Tax Debt: What Texas Taxpayers Need to Know
Most people do not realize that owing the IRS enough money can cost you your passport. Under the FAST Act (Fixing America's Surface Transportation…
IRS Offer in Compromise in Texas: Settling Tax Debt for Less
An Offer in Compromise (OIC) allows a taxpayer to settle IRS tax debt for less than the full amount owed. It is one of the most powerful resolution…
IRS Levies and Wage Garnishment in Texas
When the IRS issues a levy, it is not sending another notice — it is taking your property. An IRS levy can seize money from your bank account, take a
IRS Federal Tax Liens in Texas: What They Are and How to Remove Them
A federal tax lien is one of the IRS's most powerful collection tools. When you owe taxes and do not pay after the IRS sends a notice and demand for
Currently Not Collectible (CNC) Status: When You Cannot Afford to Pay the IRS
If you owe the IRS but genuinely cannot afford to make any payment — even a small monthly installment — the IRS may place your account in Currently…
Can You Discharge IRS Tax Debt in Bankruptcy in Texas?
One of the most common questions we hear is: Can bankruptcy eliminate my IRS tax debt?
IRS Wants $106K? File Chapter 7 Today, Stop Seizures Tomorrow
IRS Wants $106K? File Chapter 7 Today, Stop Seizures Tomorrow
Texas IRS Resolution Toolkit - Free IRS Calculators
Texas IRS Resolution Toolkit - Free IRS Calculators
Navigating IRS Tax Issues: A Texas Business Owner's Guide
In our 15+ years of experience as Texas debt relief attorneys, we've encountered numerous clients facing confusion and frustration with IRS tax liabil
Estate Planning
22 articlesDoes Putting Assets in a Trust Protect Them from Medical Debt in Texas?
Yes, transferring assets into a properly structured trust can shield them from most unsecured creditor claims, including medical debt, in Texas. As…
Should I Use a Trust and LLCs to Protect Real Estate Investments in Texas?
Yes, using a revocable trust and LLCs—especially when layered with a Wyoming holding company—can provide strong probate avoidance, privacy, and asset
What to Do When a Bank Refuses Your Power of Attorney in Texas
If you've ever faced the frustration of a bank refusing to honor a power of attorney in Texas, you're not alone. This situation can be incredibly
Estate Planning Strategies for Texas Business Owners
As a Texas business owner, you're no stranger to the demands of running a successful enterprise. But have you considered what happens to your…
Can I Enforce an Oral Agreement to Receive My Parent’s House in Texas?
In Texas, oral agreements to transfer real estate—such as a promise to put a parent’s house into a trust for your benefit—are not legally enforceable
How Do I Update My Power of Attorney in Texas Without Complicating My Estate Plan?
To update your financial or medical power of attorney in Texas, you’ll need to sign new documents that clearly name the right agents and specify…
What Property Is Exempt from Debt Collectors in Texas?
In Texas, your primary residence (homestead), many personal belongings, retirement accounts, and certain vehicles are protected from most debt…
Should I Put My House in a Trust for Asset Protection in Texas?
Putting your house in a Texas revocable living trust can help avoid probate and streamline inheritance, but it does not shield your home from personal
Should I Set Up a Trust or Just a Will for My Inheritance in Texas?
If you’ve inherited significant assets—especially securities and cash—and want to avoid probate, keep control, and make things easier for your…
Should I Use a Trust for My Texas Estate If I Have Substantial Inherited Assets?
If you've inherited significant assets in Texas, creating a trust can spare your family from probate, reduce conflict, and maintain privacy—without
What Is the Texas Bankruptcy Wildcard Exemption and How Does It Work?
The Texas bankruptcy wildcard exemption allows you to protect certain property that isn’t covered by other specific exemptions when filing bankruptcy…
Can a Revocable Trust Help Protect My Home and Business Assets in Texas?
Yes—a revocable trust in Texas can help keep your home and business assets out of probate, simplify estate administration for your family, and lay the
How Do I Avoid Probate on My Home and Bank Accounts in Texas?
To avoid probate in Texas for your home, land, and bank accounts, you need to use a living trust, update your beneficiary designations, and ensure…
Can I Name a Minor as Successor Trustee or Executor in Texas?
No, you cannot legally name a minor as a successor trustee or executor in Texas. Texas law requires trustees and executors to be legal adults. If you…
Texas Will Requirements 2025: Complete Estate Planning Checklist
A valid Texas will must be in writing, signed, and witnessed by two credible adults. Learn the rules, when a handwritten will counts, and why oral…
Wills, Powers of Attorney, and Advance Directives in Texas
Every adult in Texas should have three essential estate planning documents: a last will and testament, a power of attorney, and an advance directive.
Using LLCs for Asset Protection in Texas: Entity Structuring Strategies
A Limited Liability Company (LLC) is one of the most versatile tools for asset protection in Texas. When structured properly, an LLC creates a legal…
Texas Homestead Exemption: How It Protects Your Home From Creditors
The Texas homestead exemption is one of the most powerful asset protections available anywhere in the United States. Unlike most states that cap the…
Pre-Lawsuit Asset Protection Planning in Texas: Protecting What You Have Before Problems Arise
The most effective asset protection happens before any legal threat exists. Once a lawsuit is filed, a creditor obtains a judgment, or a business…
Irrevocable Trusts for Asset Protection in Texas
While revocable living trusts are the most common estate planning tool, they do not protect assets from the grantor's creditors. For individuals…
Navigating Divorce and Estate Planning: Protecting Your Assets for Texas Residents
In July 2024, Amanda found herself at a crossroads, facing the threat of losing her home due to her ex-husband's actions, compounded by her own…
Estate Planning for Texas Investors: How to Protect Real Estate, Brokerage Assets, and Privacy
Most investors spend decades building wealth — but very few structure their estate in a way that actually protects it.
Probate
23 articlesWhat Happens If a Will Is Missing During Probate in Texas?
If a will is missing during probate in Texas, the estate may be treated as if no will existed—unless you can prove the will’s contents and that it…
Can a Texas Executor Pay Attorney Fees From the Estate When Facing a Motion for Removal?
No, if there’s a pending motion to remove you as executor in Texas probate, you cannot pay attorney fees from the estate account until that motion is
How to Contest a Will in Texas: A Step-by-Step Guide
If you’re grappling with the loss of a loved one and believe something is amiss with their will, you're not alone. Contesting a will in Texas involves
What Happens to Debt When Someone Dies in Texas?
When a loved one passes away, the emotional burden can be overwhelming, especially when coupled with the responsibility of managing their financial
Simplifying Texas Probate: Small Estate Affidavit, Muniment of Title, and Affidavit of Heirship
Facing the passing of a loved one is emotionally taxing, especially when you're left to navigate the complexities of probate in Texas. Many are…
Which Debts Does an Executor Pay First in Texas Probate?
You’ve been named the executor of your late parent's estate, and amidst the grief, you’re now tasked with deciphering which debts need immediate
Texas Probate Deadlines: Understanding Key Time Limits
Navigating the probate process in Texas can feel overwhelming, especially when you're grieving and dealing with family dynamics. Understanding the
What Evidence Can Disprove a Common Law Marriage in a Texas Probate Dispute?
To dispute an alleged common law marriage in Texas probate court, you'll need credible evidence that the relationship never met the legal…
What Happens to a Joint Bank Account in Texas Probate?
In Texas, a joint bank account passes to the surviving account holder only if the account paperwork contains a written right of survivorship signed…
What Happens if I’m Disinherited by a Will in Texas Probate?
If you’re facing Texas probate and a will seeks to disinherit you, your options depend on whether that will is valid under Texas law. If the court…
How Do I Finalize a Texas Estate Settlement Agreement When My Sibling Won’t Cooperate?
If your sibling is dragging their feet on a Texas estate settlement—even after mediation—the solution is a clear, enforceable agreement with strict
How Do I Assign a California Judgment to Myself as Executor in a Texas Probate?
If you’re the executor and sole beneficiary of a Texas estate with a California judgment asset, you can assign the judgment to yourself, but it must…
Can We Use Muniment of Title to Transfer a House in Texas If the Only Asset Is the Home?
Yes, if the only significant asset in a Texas estate is the house and all heirs agree, you can often use a muniment of title instead of full probate.…
Will My Future Interest in Inherited Property Be Taken in Chapter 7 Bankruptcy?
If you’ve inherited a future interest in property—like a home you’ll receive only after your parents pass—this interest counts as a non-exempt asset…
Do I Need to Wait for a Death Certificate to Sell a House in a Texas Trust?
Yes, you need the original death certificate before you can legally sell a house owned by a Texas trust. The death certificate proves the settlor’s…
Do I Need a Determination of Heirship in Texas If There’s a Disputed Heir?
Yes, if there’s any dispute over who should inherit from a loved one who died without a will in Texas, you’ll need a formal court determination of
Will the House Sale Proceeds Be Released Before My Divorce Trial in Texas?
If your marital home is being sold during a pending divorce in Texas and a new trial is scheduled, the proceeds are often held by the receiver until…
What Happens If There Is No Will in Texas Probate?
If there’s no will, Texas law decides who inherits the estate through intestate succession. The court must appoint an administrator, and assets can’t…
Can You Use a Small Estate Affidavit in Texas If the Estate Has Debt?
Usually not. A Texas small estate affidavit is only available when the person died without a will and the estate's assets are worth more than its…
Transfer-on-Death Deeds in Texas: Passing Real Property Without Probate
Texas allows property owners to use a transfer-on-death deed (TODD) to pass real property directly to a beneficiary upon the owner's death — without…
The Probate Process in Texas: What to Expect and How to Prepare
When someone passes away in Texas, their estate typically goes through probate — the court-supervised process of validating the will, paying debts…
Revocable Living Trusts in Texas: Avoiding Probate and Protecting Your Family
A revocable living trust is one of the most effective estate planning tools available in Texas. It allows assets to pass to beneficiaries without…
Texas Probate Process: Timeline, Costs & Requirements
Texas Probate Process: Timeline, Costs & Requirements