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Debt has a way of taking over your life. Bills pile up, phone calls from creditors never stop, and the stress follows you everywhere. If you’ve found yourself buried in debt with no way to pay it off, Chapter 7 bankruptcy may be a fresh start.
At The Gulley Law Firm, LLC, we’ve worked with individuals and families in Sugar Land and Fort Bend County who felt overwhelmed by financial struggles. Filing for Chapter 7 isn’t about giving up—it’s about giving yourself a second chance. We’ll guide you through the process step by step, so you can move forward with less stress and more clarity.
Learn more about us at www.gulleylawgroup.com.
Chapter 7 bankruptcy—sometimes called “liquidation bankruptcy”—is a legal process that allows individuals to eliminate most unsecured debts. Unlike Chapter 13 bankruptcy, which involves setting up a repayment plan, Chapter 7 is designed to wipe the slate clean and give you a fresh start.
Unsecured debts that can typically be discharged include:
Not all debts can be erased. Student loans (in most cases), child support, alimony, and certain taxes usually remain. But for many people, Chapter 7 bankruptcy provides relief from the crushing weight of everyday debt.
Not everyone qualifies automatically. To file, you must pass a means test that looks at your income, expenses, and debt levels. Generally, you may qualify if your income is below the median for your household size in Texas, or if your disposable income after expenses is limited.
Other factors that determine eligibility include:
At The Gulley Law Firm, LLC, we’ll review your finances and explain whether Chapter 7—or another option—makes sense for you.
Filing may sound intimidating, but breaking it into steps helps:
The entire process typically takes about 3–6 months from start to finish.
One of the biggest fears people have is losing everything they own. The reality is that most Chapter 7 filers in Texas keep most (if not all) of their property thanks to exemptions.
Texas exemptions are generous and may protect:
In some cases, non-exempt property may be sold to pay creditors, but many clients don’t lose anything at all. We’ll explain how exemptions apply to your case and help protect what matters most.
Filing for Chapter 7 can provide immediate and long-term relief, including:
The fresh start isn’t just financial—it’s emotional. We’ve seen clients in Sugar Land finally sleep at night after filing, knowing the constant stress of debt was lifted.
One of the most common concerns is how bankruptcy will affect your future. While Chapter 7 does stay on your credit report for up to 10 years, many people are surprised to learn they can start rebuilding credit almost immediately.
Within a year or two, many filers qualify for car loans, and some even purchase homes within a few years. The key is using your fresh start wisely—budgeting, saving, and living within your means.
We hear a lot of misconceptions about Chapter 7, such as:
The truth is, bankruptcy is a tool designed to give people a fair chance at recovery.
Filing for bankruptcy is a serious decision, and the process involves detailed paperwork and strict deadlines. Having a lawyer makes the process smoother and helps you avoid mistakes that could jeopardize your case.
At The Gulley Law Firm, LLC, we:
We know how stressful financial struggles can be. Our goal is to make the process as straightforward and supportive as possible.
Sugar Land is a growing, family-centered community—but like everywhere else, financial struggles happen here too. We’ve worked with clients from all walks of life: small business owners overwhelmed by debt, parents hit with unexpected medical bills, and individuals who lost jobs and couldn’t catch up.
Bankruptcy isn’t about failure. It’s about resilience. We’ve seen how a fresh start can bring relief, stability, and even new opportunities for families right here in Fort Bend County.
If debt has taken over your life, Chapter 7 bankruptcy may be the relief you need. It won’t solve everything, but it can give you the breathing room to rebuild.
Reach out to The Gulley Law Firm, LLC today. Visit www.gulleylawgroup.com to schedule a consultation and learn how we can help you explore bankruptcy options.
You don’t have to face debt alone. With the right guidance, a fresh start is possible.