Experienced Lufkin Law Firm

Serving Clients Throughout All of East Texas

Interest never sleeps. While many well-meaning people work to pay their debts on time, there is a real possibility that you will not be able to keep up with your bills, no matter how diligent you may be. If you have reached a place where paying off your debts is no longer possible, call the Lufkin bankruptcy attorney at the Law Offices of W. David Stephens.

We can provide you with a free consultation to learn more about the legal options you have available and how you can use them to give yourself the freedom you need. Call today.

Get started on your bankruptcy case by dialing (936) 298-5388 or contacting our East Texas bankruptcy attorneys online. We have handled hundreds of cases per year throughout East Texas.

Should You File for Bankrupcty?

If you are considering filing for bankruptcy, you may be worried about what it will do to your credit. Worse, what if your property gets repossessed due to outstanding balances? What good is freeing yourself from debt if it leaves you in ruins? Thankfully, there are options to clear your debts without ruining your life.

Types of Bankruptcy for Clearing Debt:

Chapter 7: When your debts are simply overwhelming, this type of bankruptcy can help you clear all your accounts without having to repay anything. This option can provide you with a fresh start to you move forward without worrying about the debts behind you.
Chapter 13: This option is good for people paying off debts who still have a stable source of income. You will work with the bankruptcy court to establish a payment plan that incorporates different sources of debt, such as credit cards and house payments, allowing you to get out of debt without dealing with harassment from creditors demanding payment.

Do You Need a Bankruptcy Attorney?

If bankruptcy is not the option for you, there are other ways to handle debt that do not involve paying off your debts in full.

An experienced Bankruptcy lawyer can help you with:

The Law Offices of W. David Stephens has extensive experience building strategies that help our clients get through these difficult times. With over 40 years of experience, Attorney W. David Stephens has the in-depth knowledge and insights to help you plan your future effectively and move forward with your case.

Navigate Bankruptcy with Local Support in Lufkin

Living in Lufkin, you know that financial challenges can arise unexpectedly, whether due to medical emergencies, job loss, or other unforeseen circumstances. The Law Offices of W. David Stephens is here to help you navigate these tough times with a deep understanding of the local economic landscape and the specific challenges faced by residents of Angelina County.

Our firm is well-acquainted with the resources available in Lufkin and the surrounding areas. For instance, the City of Lufkin and Angelina County offer various support services that can complement your bankruptcy process. While we don't partner directly with these entities, we can guide you on how to leverage local resources to your advantage.

Guiding Clients Through Bankruptcy Challenges

One common pain point for Lufkin residents is the threat of foreclosure. If you're struggling to keep up with mortgage payments, filing for bankruptcy can provide a much-needed reprieve. Similarly, wage garnishment is a significant concern for many working in the local industries. Bankruptcy can halt these garnishments, allowing you to regain control of your finances.

We understand the unique financial pressures faced by our community, from the high cost of healthcare at St. Luke's Health-Memorial Lufkin to the economic fluctuations impacting local businesses. Our goal is to provide you with tailored solutions that address these specific challenges, helping you pursue a fresh financial start. Let us help you explore your options and find the best path forward for your financial future.

Our Lufkin Bankruptcy Lawyer Can Help

We understand that your situation feels tense and stressful. Schedule a free consultation with our firm and get started. Mr. Stephens has been rated AV Preeminent - Peer reviewed for highest level of professional excellence, and a Distinguished - Peer reviewed for high professional achievement, by Martindale-Hubbell® and is Board Certified in Consumer Bankruptcy Law. His unique insights and helpful guidance can help you move toward a more stable financial future.

Dial (936) 298-5388 now and get started on solving your debt problems.

Commonly Asked Questions

What are the benefits of filing for bankruptcy in Lufkin?

Filing for bankruptcy in Lufkin can offer several benefits, including relief from overwhelming debt, protection against creditor harassment, and the possibility of stopping foreclosure, repossession, and wage garnishment. It can provide a fresh start by discharging eligible debts or reorganizing them into a manageable payment plan. The Law Offices of W. David Stephens offers experienced guidance to help you navigate the bankruptcy process and work towards a more stable financial future.

Can filing for bankruptcy in Lufkin stop creditor harassment?

Yes, filing for bankruptcy in Lufkin can stop creditor harassment. Once you file for bankruptcy, an automatic stay goes into effect, which prohibits creditors from contacting you or taking any collection actions against you. This means no more calls, letters, or legal threats related to your debts. The Law Offices of W. David Stephens can help enforce this protection and provide you with the peace of mind you need during the bankruptcy process.

Why should I choose the Law Offices of W. David Stephens for my bankruptcy case in East Texas?

Choosing the Law Offices of W. David Stephens for your bankruptcy case in East Texas means you'll be working with a firm that has years of experience and a track record of professional excellence. The firm's commitment to providing personalized strategies and guidance makes it a reliable choice for those seeking to navigate the complexities of bankruptcy and achieve financial stability.

Real People. Real Cases. Real Results.

Our Client Success Stories

"My Aunt needed help filing for bankruptcy. She is 73. He took the time to explain everything, so she completely understood the process. He was always quick to respond to my emails with any questions we had."
Debbi S.
"110% recommend Mr. Stephens if you need to file for bankruptcy. He helped me through a very stressful time in my life. His experience in bankruptcy is second to none in East Texas."
Dirk P.
"Mr. Stephens helped us in one of the most stressful times we’ve ever dealt with in life. Every time I left his office, I felt refreshed. Where I thought there was no hope, hope was always found."
Brandon A.