In both Chapter 7 and Chapter 13 bankruptcies in Texas, there are certain debts that cannot be discharged. If you opt for Chapter 7 bankruptcy, these debts will remain your responsibility even after the discharge of other debts. In the case of Chapter 13 bankruptcy, these debts must be fully covered in your repayment plan. If they are not fully paid off, the remaining balance will persist after your case concludes. It’s important to note that if you wish to retain any secured property, such as a house or car, you must continue to make payments towards the associated secured debts. [see statute 11 523(a)]

In Texas, the following debts cannot be discharged in either Chapter 7 or Chapter 13 bankruptcies¹:

In the context of discharging student loans through bankruptcy in Texas, “undue hardship” is a specific legal term. To prove undue hardship and attempt federal student loan discharge, you must file an adversarial proceeding in bankruptcy court against the lender and prove the following:

The following debts may be declared non-dischargeable by a bankruptcy judge in Chapter 7 if the creditor challenges your request to discharge them:

You should consult with a legal professional, such as Barron & Barron Bankruptcy Attorneys, for advice tailored to your specific circumstances. This information is intended to be a general guide and may not cover every situation.

Get the Experienced Texas Bankruptcy Attorney You Deserve!

Are you tired of Debt? Are you behind on your house, vehicle, and other secured debts? Don’t let bankruptcy fears paralyze you and keep you from getting the legal relief you need. Federal law can allow you an opportunity to save your home and cure your mortgage arrears through a repayment plan. Federal law can allow you to restructure your vehicle notes. Federal law may allow you to eliminate your credit card debt by filing for bankruptcy!

Our Law Firm will analyze each financial situation and help determine which Chapter is best for you. We have helped thousands get rid of, reduce, and/or reorganize their debt the right way AND the best way for each individual situation.

Barron & Barron, LLP has filed more bankruptcy cases than any other attorney in the Eastern District of Texas in the last 24 years. We have over 60 combined years in the Bankruptcy field. One of our cases has even reached the United States Supreme Court. We have had numerous cases presented to the United States Fifth Circuit. We will fight to protect your rights to give you the best results.

Our attorneys have over 30 years of
Bankruptcy Law experience.

Bankruptcy is a very scary proposition. Although scary, bankruptcy for many individuals can provide a huge relief and a way out of debt and a fresh financial start. Whether or not you think filing a bankruptcy is in your best interest depends on an allotment factors and your individual circumstances as well. One of the main things to consider if you are thinking about filing for bankruptcy is which one is right for you, whether it be Chapter 7 or Chapter 13 bankruptcy (the two most common) or another form of bankruptcy.

It’s a good idea to assess your options before deciding if your going to file for a bankruptcy. First thing to do before you file your bankruptcy case, is to think about the types of debt you have and the overall outcome you want to achieve by filing for your bankruptcy. A bankruptcy discharge doesn’t eliminate all types of debt . This basically means that filing for bankruptcy may not always be in your best interest based on your personal situation if all you want to do is wipe out debts that might not be able to be discharged in bankruptcy.

Get the Experienced Texas Bankruptcy Attorney You Deserve!

Are you tired of Debt? Are you behind on your house, vehicle, and other secured debts? Don’t let bankruptcy fears paralyze you and keep you from getting the legal relief you need. Federal law can allow you an opportunity to save your home and cure your mortgage arrears through a repayment plan. Federal law can allow you to restructure your vehicle notes. Federal law may allow you to eliminate your credit card debt by filing for bankruptcy!

Our Law Firm will analyze each financial situation and help determine which Chapter is best for you. We have helped thousands get rid of, reduce, and/or reorganize their debt the right way AND the best way for each individual situation.

Barron & Barron, LLP has filed more bankruptcy cases than any other attorney in the Eastern District of Texas in the last 24 years. We have over 60 combined years in the Bankruptcy field. One of our cases has even reached the United States Supreme Court. We have had numerous cases presented to the United States Fifth Circuit. We will fight to protect your rights to give you the best results.

Our attorneys have over 30 years of
Bankruptcy Law experience.

Are you tired of Debt? Are you behind on your house, vehicle, and other secured debts? Federal law can allow you an opportunity to save your home and cure your mortgage arrears through a repayment plan. Federal law can allow you to restructure your vehicle notes. Federal law may allow you to eliminate your credit card debt by filing for bankruptcy!

Our Law Firm will analyze each financial situation and help determine which Chapter is best for you. We have helped thousands get rid of, reduce, and/or reorganize their debt the right way AND the best way for each individual situation.

Our Law Firm has filed more bankruptcy cases than any other attorney in the Eastern District of Texas in the last 24 years. We have over 60 combined years in the Bankruptcy field. One of our cases has even reached the United States Supreme Court. We have had numerous cases presented to the United States Fifth Circuit. We will fight to protect your rights to give you the best results.

Get the Experienced Texas Bankruptcy Attorney You Deserve!

Are you tired of Debt? Are you behind on your house, vehicle, and other secured debts? Don’t let bankruptcy fears paralyze you and keep you from getting the legal relief you need. Federal law can allow you an opportunity to save your home and cure your mortgage arrears through a repayment plan. Federal law can allow you to restructure your vehicle notes. Federal law may allow you to eliminate your credit card debt by filing for bankruptcy!

Our Law Firm will analyze each financial situation and help determine which Chapter is best for you. We have helped thousands get rid of, reduce, and/or reorganize their debt the right way AND the best way for each individual situation.

Barron & Barron, LLP has filed more bankruptcy cases than any other attorney in the Eastern District of Texas in the last 24 years. We have over 60 combined years in the Bankruptcy field. One of our cases has even reached the United States Supreme Court. We have had numerous cases presented to the United States Fifth Circuit. We will fight to protect your rights to give you the best results.

Our attorneys have over 30 years of
Bankruptcy Law experience.

If you cannot repay debts as you pay for your day-to-day expenses, bankruptcy is something to be considered sooner rather than later. Contrary to popular opinion, bankruptcy isn’t the end of the world. Depending on your situation, it may even be good for you. It’s certainly better for peace of mind as it stops collection calls, lawsuits and wage garnishments. Your debt is eliminated and may even help your credit scores.

If you don’t qualify for a Chapter 7, a Chapter 13 requires a three to five-year repayment plan, which most people don’t complete. (Half of Chapter 13s filed between 2007 and 2013 were dismissed, and an additional 12 percent were converted to Chapter 7s or other types of bankruptcy, according to an American Bankruptcy Institute analysis of Justice Department figures.)

One piece of advice is certain: Don’t wait too long to learn more about your bankruptcy (and other) options. The first place to start is to read Liz Weston’s (of Nerdwallet.com) entire article, When Bankruptcy is the Best Option.

Get the Experienced Texas Bankruptcy Attorney You Deserve!

Are you tired of Debt? Are you behind on your house, vehicle, and other secured debts? Don’t let bankruptcy fears paralyze you and keep you from getting the legal relief you need. Federal law can allow you an opportunity to save your home and cure your mortgage arrears through a repayment plan. Federal law can allow you to restructure your vehicle notes. Federal law may allow you to eliminate your credit card debt by filing for bankruptcy!

Our Law Firm will analyze each financial situation and help determine which Chapter is best for you. We have helped thousands get rid of, reduce, and/or reorganize their debt the right way AND the best way for each individual situation.

Barron & Barron, LLP has filed more bankruptcy cases than any other attorney in the Eastern District of Texas in the last 24 years. We have over 60 combined years in the Bankruptcy field. One of our cases has even reached the United States Supreme Court. We have had numerous cases presented to the United States Fifth Circuit. We will fight to protect your rights to give you the best results.

Our attorneys have over 30 years of
Bankruptcy Law experience.

Liz Weston observes that the mystery isn’t why so many people file for bankruptcy each year, it’s why more people don’t. Only a fraction of the Americans who could benefit financially from bankruptcy actually seek relief. Economists say some don’t file because collectors aren’t aggressively pursuing them, while others may strategically delay filing because bankruptcy could benefit them more down the road. Read her article to get beyond the fear and misperceptions and learn why bankruptcy may be your solution.

View Liz Weston’s entire Fear of bankruptcy holds too many people back article. Liz Weston is a columnist for personal finance website NerdWallet

Get the Experienced Texas Bankruptcy Attorney You Deserve!

Are you tired of Debt? Are you behind on your house, vehicle, and other secured debts? Don’t let bankruptcy fears paralyze you and keep you from getting the legal relief you need. Federal law can allow you an opportunity to save your home and cure your mortgage arrears through a repayment plan. Federal law can allow you to restructure your vehicle notes. Federal law may allow you to eliminate your credit card debt by filing for bankruptcy!

Our Law Firm will analyze each financial situation and help determine which Chapter is best for you. We have helped thousands get rid of, reduce, and/or reorganize their debt the right way AND the best way for each individual situation.

Barron & Barron, LLP has filed more bankruptcy cases than any other attorney in the Eastern District of Texas in the last 24 years. We have over 60 combined years in the Bankruptcy field. One of our cases has even reached the United States Supreme Court. We have had numerous cases presented to the United States Fifth Circuit. We will fight to protect your rights to give you the best results.

Our attorneys have over 30 years of
Bankruptcy Law experience.