Warren & Migliaccio, L.L.P.

Dallas Family, Bankruptcy and Personal Injury Lawyers

Call For A Free Consultation (888) 550-6702
  • Home
  • Meet Us
    • Client Testimonials
    • Meet Gary
    • Meet Christopher
    • Jonathan Frederick
    • Dan Varkey
  • Bankruptcy
    • Debt Resolution
    • Chapter 7 Bankruptcy
    • Chapter 13 Bankruptcy
    • Benefits of Bankruptcy
      • Stop Creditor Harrassment
      • Keep Your Property
      • Stop Foreclosure
      • Eliminate Credit Card Debt
      • Repair Your Credit Score
    • Bankruptcy Myths Debunked
    • Creditor Harassment
    • Tax Debt
    • Wage Garnishment
    • Bankruptcy Video Center
    • Why Meet with Chris?
    • FREE Bankruptcy E-Book
  • Debt Lawsuit Defense
    • Being Sued by Debt Collector? What you need to Know.
    • What to do when you are being sued by Credit Card Company
    • Is it possible to be Judgment Proof?
  • Divorce and Family Law
    • Divorce Timeline and Roadmap
    • Child Custody
      • Types of Child Custody Orders in Texas
      • Child Support Modifications & Enforcements
      • Child Support: The Details You Should Know
    • Contested Divorce
    • Spousal Maintenance and Support
    • FREE Divorce E-Book
    • Military Divorce
    • Estate Planning
      • Last Wills and Testaments
  • Tips and Advice
    • FAQs
    • Articles
    • Blog
    • Get Tax Transcripts or Tax Returns
    • Get Your Free Credit Report
    • How to create a Skype Account for Virtual Video Meetings
    • Estate Planning Packet
  • Next Step
    • Make a Payment
    • Richardson Office
    • Dallas Office

Why should I use a bankruptcy attorney?

Post by Christopher Migliaccio

There are several reasons to hire a bankruptcy attorney, even if there are forms and kits available online. Generally speaking, it can be a very complicated process that can feel overwhelming. Missing items or errors of any kind could potentially prevent a successful filing and may even lead to further complications.

An Attorney Can Help Decide Which Type of Bankruptcy to File

There are two kinds of bankruptcy that most people will file: Chapter 7 and Chapter 13. An attorney can ensure you make the right decision when you’re considering your options. Your lawyer can thoroughly explain the pros and cons of both and which best fits your situation.

Chapter 7 discharges most debt and liquidates certain assets fairly quickly. To file successfully, petitioners must follow the proper steps and complete any and all paperwork that’s required. So in most cases an attorney would be beneficial to ensure the process goes smoothly.

A Chapter 13 bankruptcy could allow you to hold onto assets and stop foreclosures and vehicle repossessions. It requires setting up repayment plans, potentially making this type of bankruptcy even more complicated than a Chapter 7 bankruptcy. 

An Attorney Can Ensure Paperwork Is Filled Out Correctly

The paperwork itself can be daunting. Making just one mistake can negatively impact the outcome. One example is not submitting the paperwork with a certificate that shows you completed credit counseling, a required step in the process. This could lead to the case being dismissed.

Another potential complication is finding out a debt hasn’t been discharged, which can happen if you forget to list when filing. Simple mistakes can end up having huge consequences. 

A Bankruptcy Attorney Can Explain How Federal and State Laws May Apply

There are federal laws that apply to all bankruptcy cases. But there could also be state laws that apply, so it’s important to understand both. An attorney will have familiarity with all applicable laws.

For instance, in Texas you cannot file for bankruptcy without first going through a credit counseling course. You must complete it no more than 180 days before filing. As noted, you must provide evidence of completing the course with a certificate. But even after filing, you must take a second course (debt education), before receiving a bankruptcy discharge.

There are also state laws specific to Chapter 7, such as which property you may exempt. Petitioners in Dallas can choose between Texas’s bankruptcy exemptions and federal exemptions. These are just some of the laws that may apply.

An Attorney at Warren & Migliaccio Can Help Evaluate Bankruptcy Options

Get help from an attorney at Warren & Migliaccio if you’re filing for bankruptcy. We will evaluate your case and go over all of your options, and then help you file for bankruptcy to ensure you do so properly. Call us at 888-584-9614 or fill out our online contact form to set up a consultation about your case.

FAQ Category: Bankruptcy

Get Help Now!

Schedule a Free Consultation

If you need to speak with an attorney at Warren & Migliaccio, L.L.P.  submit our contact form or call either our Richardson or Dallas location to schedule a free consultation. We’re happy to meet at your convenience. Contact our firm today for legal counsel from experienced attorneys.

Practice Areas

  • Plano & Richardson, Texas – Bankruptcy Lawyers
  • Chapter 7 Bankruptcy Attorney
  • Chapter 13 Bankruptcy Lawyer
  • Child Custody Attorneys
  • Child Support
  • Dallas Divorce Attorney
  • Family Law
  • Spousal Support
  • Personal Injury

Recent Posts

  • Is Moss Law Firm Suing You? Here’s What You Should Know
  • Your Options If Sued By A Credit Card Company
  • The Statute of Limitations in Debt Lawsuits
  • What To Do When Served A Lawsuit In Texas
  • What is a Writ of Garnishment and How Can You Stop It?

Locations

Richardson/Plano Office
3600 Shire Blvd #205
Richardson, Texas 75082
(972) 684-5051

Dallas Office
10440 N Central Expy #800
Dallas Texas 75231
(214) 974-3965

Follow Us

facebook logo twitter logo youtube logo


More Resources
Blog
Articles
PaymentPortal

[google-reviews-pro place_name='Warren & Migliaccio, L.L.P.' place_id=ChIJuzINMREeTIYR5_8rdpjsVwo rating_snippet=true min_filter=5 view_mode=badge_inner]  

Pick a Topic and Empower Yourself

  • Bankruptcy
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Child Custody
  • Child Support
  • Personal Injury
  • Divorce
  • Divorce & Your Children
  • Family Law
  • Stop Foreclosure
  • Spousal Support
  • Auto Accidents
HomeDisclaimerPrivacy PolicyTerms of UseContact UsSite Map
© 2022 Warren & Migliaccio, L.L.P. All Rights Reserved