The term “consumer bankruptcy” includes both Chapter 7 and Chapter 13 bankruptcies. It can also include any bankruptcy proceeding in which an attorney represents an individual debtor, rather than a business or an entity.

Once the decision is made by a consumer to declare bankruptcy, the Bankruptcy Code provides for two primary alternatives. First, Chapter 13 allows for the reorganization of the obligations through debt adjustment. For a Chapter 13 bankruptcy, the debtor is required to pay at least part of the debts that he or she owes. A Chapter 13 proceeding is initiated by a voluntary action by the debtor.

Second, Chapter 7 of the Bankruptcy Code allows for the liquidation of the debtor’s non-exempt assets and distribution of the proceeds to the creditors. An action under Chapter 7 may be initiated voluntarily by the debtor or involuntarily by the debtor’s creditors. The clerk of the bankruptcy court must provide notice to the debtor of his or her option to proceed under Chapter 7 or Chapter 13.

Attorney for Consumer Bankruptcy in Plano, TX

If you are considering filing for consumer bankruptcy in Dallas, TX, under either Chapter 7 or Chapter 13, then seek out the services of the experienced attorneys at Littlefield Law Firm. With an office located in Plano, TX, we help consumer bankruptcy debtors settle their debts effectively.

At Littlefield Law Firm, we can help you adhere to all of the applicable clerk’s office and court-imposed deadlines, the court’s local rules and procedures, and the requirements of the bankruptcy code. Our experienced attorneys are familiar with all of the required laws and policies, including the Federal Rules of Bankruptcy Procedure, the Local Court Rules, and the United States Bankruptcy Code.

Linda Littlefield is experienced in filing different types of bankruptcy petitions in the United States Bankruptcy Court for the Northern District in the Dallas Office and for the Eastern District in the Plano Office.

At Littlefield Law Firm, our bankruptcy attorneys represent clients throughout Dallas County, Collin County, Denton County, Kaufman County, Rockwall County, Ellis County, Grayson County and other areas throughout Dallas, Texas.

Call (972) 812-0900 today.

Consumer Bankruptcy

Debts Discharged in a Consumer BankruptcyConsumer bankruptcy deals with debts that are non-business in nature. Consumer debts are incurred for personal, family, or household purposes without any motive of making a profit.The most common examples of consumer debt includes paying for any of the following:

  • rent or a mortgage for your home or primary residence;
  • personal auto loan;
  • a personal or family vacation;
  • entertainment such as going to the movies;
  • household utilities;
  • cable bills;
  • groceries;
  • eating out at restaurants; or
  • clothing for yourself and your family.

A bankruptcy attorney in Plano, TX, at Littlefield Law Firm can help you decide whether to file Chapter 7 or Chapter 13 bankruptcy. Learn more about the differences between these types of bankruptcy actions when you call our office at (972) 812-0900 to schedule a consultation to see what is the best way for you to get your fresh start.

Linda Littlefield also represents clients in bankruptcy cases in the United States Bankruptcy Court Eastern Division of Texas in the Plano office.  Let us put our experience to work for you.

Call (972) 812-0900 today.