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Expert Bankruptcy Attorneys in Austin, Texas

Filing for bankruptcy is a serious decision. In many cases, it can absolve you from large debts that you’re unable to pay and end harassment from bill collectors. However, a bankruptcy in your credit history can have long-lasting impacts on your financial future. Our attorneys at Alex R. Hernandez Jr. PLLC are experts in Texas bankruptcy law. We will gladly review your situation with no pressure or judgment, then advise you on whether bankruptcy may be advantageous.

What is Bankruptcy? 

Although filing for bankruptcy sounds like a daunting measure, it’s often the first step toward regaining control of your life or saving your small business. A bankruptcy attorney in Austin can help you restructure your debts, in some cases allowing you to save your home or continue operating your business. In Texas, filing for bankruptcy will grant you relief from unmanageable levels of debt and satisfy your creditors by offering them some repayment.

It’s a complicated legal process, but our team knows the ins and outs of Texas bankruptcy law. Our goal is to give you freedom from the crushing weight of debt.

Common Reasons to File for Bankruptcy

Bankruptcy is not the best decision in every circumstance. Some common financial situations that may warrant filing for bankruptcy include:

  • Unmanageable debt from medical expenses
  • Credit card bills or personal loans you are unable to repay
  • Past-due rent or utility bills with no means to catch up
  • Auto loans, mortgages, or other consumer debts that outpace your income
  • A small business unable to operate because of past-due expenses

Bankruptcy laws do not allow you to escape every financial burden—for example, you still must pay child support—but most debts can be restructured or removed in bankruptcy.

Filing for Bankruptcy in Texas

Although filing for bankruptcy is usually covered under federal laws, there are specific conditions to fulfill if you’re filing in Texas.

  • Credit Counseling & Debt Education

Under certain chapters, you’ll be required to take a 180-day credit counseling course before filing for bankruptcy. After this, you’ll also need to take a debt education course. 

  • Means Testing

Your income will be compared to the median income of the average Texas household. If you’re above the median level, our Texas bankruptcy attorneys will help you qualify at one of the median levels in Austin by deducting all your eligible expenses.

  • Exemptions

Luckily, Texas bankruptcy law lists several exemptions you can benefit from, like housing costs, childcare, and food. Your attorney will help you list the appropriate expenses.

This makes it important to work with a trustworthy bankruptcy attorney who can ensure that you’re benefiting from deductions and meeting the current guidelines.

How Our Bankruptcy Attorneys in Austin Will Help

At Alex R. Hernandez Jr. PLLC, we make sure that our team of bankruptcy attorneys checks all the boxes so that we can serve you better:

  • Firstly, we’ll make sure you fulfill the Texas law requirements to file for bankruptcy.
  • Then we’ll help you figure out which chapter to file under. 
  • We’ll ensure that you benefit from all the exemptions you’re eligible for.
  • If needed, we’ll represent you in court.
  • Lastly, you can leave the paperwork to us.

Things to Know While Filing for Bankruptcy

Although our bankruptcy attorneys in Austin are thoroughly experienced with Texas law, you may have a few questions before starting this process. Here are some things to know when filing for bankruptcy:

High-Priority Debts & Non-Dischargeable Debts

While there are different levels of debt depending on various creditors, some are altogether non-dischargeable. There are numerous such high-priority debts which may include:

  • child support
  • alimony and spousal support 
  • certain tax obligations

Advantages & Disadvantages of Filing for Bankruptcy in Austin

Although filing for bankruptcy releases you from being harassed by creditors, it can lead to a significant lifestyle change. It is an uphill task to rebuild credit and to secure future loans after filing. But consulting an experienced attorney will ensure that your assets are managed appropriately, and you’ll soon be on the path to financial security.

The First Step Toward a Fresh Financial Start

Stop making payments you can’t afford. If you know that you’ll never be able to repay your debts, speak with our attorneys now so we can move quickly to protect your remaining assets.

Filing for bankruptcy could be the fresh start you’ve always wanted. It’s important to keep your eyes forward and maintain a hopeful attitude. When you feel overwhelmed, Alex Hernandez and his team of attorneys in Austin, Texas will be there to support you. Call us today to schedule your consultation. 

Main Office, Corpus Christi:


921 N. Chaparral Suite 100
Corpus Christi, Texas 78401

Phone: 361-792-3811

Austin Office:


9600 Great Hills Trail Suite 150
Austin Texas 78759

512-640-4099

Victoria Office


101 W. Goodwin Suite 750
Victoria, Texas 77901

Phone 361-575-3101

Port Lavaca Office


402 W. Main St.
Port Lavaca, Texas 77979

Phone 361-552-3100

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