If you’re reading this, chances are money has been a source of stress for a while. Bills stacking up, phone calls from creditors, maybe even threats of lawsuits—it can feel like you’re running in circles with no way out. The good news? You’re not alone, and you do have options.
As a Texas bankruptcy attorney, I work with people and businesses who need a fresh start. Bankruptcy isn’t about giving up; it’s about hitting pause, reorganizing, and finding a way forward. Whether it’s through Chapter 7 bankruptcy, Chapter 13 repayment plans, or handling business debt, the right approach depends on your situation.
At the Law Offices of Keith Wier, PLLC, I’ve seen firsthand how powerful it can be to lift the weight of overwhelming debt off someone’s shoulders.
There’s a misconception that bankruptcy is only for people who were reckless with money. That couldn’t be further from the truth. Most of my clients got here because of life circumstances—job loss, medical bills, divorce, or unexpected expenses.
Bankruptcy exists to give honest people a chance to reset. It stops creditor harassment, halts lawsuits, and gives you breathing room to get back on your feet.
If you’ve ever typed “bankruptcy lawyer near me” into Google, you know there’s no shortage of attorneys offering help. So what does a bankruptcy lawyer actually do?
If your debts feel impossible to repay, Chapter 7 bankruptcy may be the solution. Often called “liquidation bankruptcy,” it allows many unsecured debts—like credit cards, medical bills, and personal loans—to be discharged.
A Chapter 7 bankruptcy attorney helps you determine if you qualify based on income and guides you through protecting exempt property, such as your home, car, or retirement accounts. For many clients, Chapter 7 provides the quickest path to true debt relief.
For people with steady income who just need a chance to catch up, Chapter 13 bankruptcy offers a way forward. It creates a repayment plan (usually three to five years) that allows you to keep important assets, like your house or car, while gradually paying off debts.
This option is especially helpful if you’re facing foreclosure or behind on secured loans. It’s not always easy, but with the right guidance, it can be life-changing.
When a business is struggling, the stakes are different. Employees, customers, suppliers—there’s more than just personal finances on the line. Depending on the circumstances, businesses may benefit from Chapter 7 (closing and liquidating) or Chapter 11 (restructuring debt to keep operating).
At the Law Offices of Keith Wier, PLLC, I provide business bankruptcy guidance to help owners decide whether winding down or reorganizing is the best move.
One of the most powerful benefits of filing for bankruptcy is the automatic stay. The moment your case is filed, creditors must stop collection efforts. That means no more calls, no more wage garnishments, and no more lawsuits moving forward. For many clients, this immediate relief is the first deep breath they’ve taken in years.
Bankruptcy isn’t the only option. Sometimes negotiating directly with creditors or exploring debt settlement strategies can make sense. As a debt relief lawyer, I always look at the full picture before recommending bankruptcy. The goal is to find the best path for your future, not just the quickest fix.
Filing bankruptcy can feel intimidating, but here’s what the process usually looks like:
Will I lose everything?
Not usually. Texas has strong exemption laws that protect many personal assets.
Will bankruptcy ruin my credit forever?
Your credit will take a hit, but many people rebuild it faster than expected once the debt is cleared.
Can I stop foreclosure?
Yes—bankruptcy can pause foreclosure and give you a chance to reorganize or catch up.
Do both spouses have to file?
Not always. It depends on your situation, but it’s possible for one spouse to file without the other.
I’ve worked with people who walked into my office feeling hopeless—like their financial future was gone. By the end of the process, many left lighter, not just because the debt was gone, but because they had a plan. Bankruptcy doesn’t erase the challenges that got you here, but it gives you the chance to start fresh. And sometimes, that’s exactly what you need.
At the Law Offices of Keith Wier, PLLC, I don’t just file cases. I sit down with clients, listen to their stories, and figure out what’s best for them. Bankruptcy is personal—it affects your family, your home, and your future. You deserve clear guidance and honest advice from someone who understands both the law and the human side of financial stress.
Learn more at www.keithwierlaw.com.
If debt has taken over your life, now is the time to take back control. Whether you’re considering Chapter 7, Chapter 13, or exploring other debt relief options, talking with a bankruptcy lawyer near me can give you clarity and peace of mind.
Reach out to the Law Offices of Keith Wier, PLLC today to start the conversation. Together, we’ll figure out the path that works best for you and your future.
Visit www.keithwierlaw.com to learn more or set up a consultation.