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I Want to File a Chapter 7 Bankruptcy in Texas Without an Attorney

“Dear Steve,

Been out of work for years, working temp opps as much as possible. Am very frugal! I have a mountain of debt on charged-off credit cards, moved in the last year from CA to TX. Will definitely be filing for C7 bankruptcy. Currently no income, and no ability to pay an attorney…

Is there a way to do this withOUT an attorney? In Texas? Anyone know how? The Nolo Press Book is vague on Texas specifics… Thank you for any help!!

Bamboo”

Dear Bamboo,

I guess under the heading of anything is possible, it is possible to file a chapter 7 bankruptcy yourself in Texas. But my advice is to think long and hard before doing that.

The two bankruptcy court videos below are from North Carolina but the same bankruptcy advice holds true in Texas.


“Most people that file their own bankruptcy fail to complete their bankruptcy.”

Over the years I’ve seen so many mistakes made by people that want to file bankruptcy themselves. Even the bankruptcy courts in different parts of the country warn people against doing that.


Some attorneys offer payment plans to help people in a similar situation.

My advice is unless you have some pressing reason to have to file now I’d wait till you can afford a bankruptcy attorney and do this the right way so you don’t have to wonder if it was filed right from limited guidance and best guesses.

It’s so much cheaper cheaper to do it right the first time than have to go back and fix it later.

You can always click here to find a local bankruptcy attorney and discuss your situation with them. Who knows, maybe they’ll help you with your forms, for a nominal fee.

Please post your responses and follow-up messages to me on this in the comments section below.

READ  How Chapter 7 Bankruptcy Works
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Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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