You are not alone. Over 64,677 cases have been filed in the Western District of Texas since 2008. This free guide will help you understand your options, know what to expect, and make informed decisions.
Chapter 7 eliminates most unsecured debts in about 3-4 months. You must pass a means test.
Chapter 13 lets you keep your property while repaying debts over 3-5 years. No means test required.
Not sure which chapter fits? Compare them in detail.
Out of 64,677 cases filed since 2008, only 37.4% achieved a discharge. The prior filer rate is 32.0%.
The Western District of Texas has a 62.6% dismissal rate based on 64,677 cases. Full statistics.
Chapter 7: $338 filing + $1,000-$2,000 attorney fees. Chapter 13: $313 + $2,500-$4,500. Full breakdown.
Texas homestead exemption: Unlimited (up to 10 acres urban / 100 acres rural). In Chapter 13, you keep your home. Exemptions.
Texas vehicle exemption: Fully exempt if needed for work. Learn more.
Chapter 7: 3-4 months. Chapter 13: 3-5 years. Full timeline.
Use the free 1328(f) screener to check whether a prior discharge affects your eligibility.
Free Discharge ScreenerYour Next Questions
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Chapter 7 vs Chapter 13
Compare chapters before you choose
chapter7vs13.org →
How Much Does It Cost?
Attorney fees and filing costs by chapter
howmuchdoesbankruptcycost.com →
Exemptions by State
Your state exemptions for vehicles, homes, and more
bankruptcyexemptionsbystate.com →
What Is a Bankruptcy Mill?
Avoid high-volume firms with poor outcomes
bankruptcymill.org →
Open Bankruptcy Project provides free educational information. We are not a law firm. Nothing on this site constitutes legal advice. For advice about your specific situation, consult a licensed attorney.
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If you cannot afford a bankruptcy attorney, free help is available. Legal aid organizations, law school clinics, and court self-help programs can assist you at no cost.
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