Dallas Bankruptcy Attorney | Judith A. Swift
30 Years Experience | Free Consultation
- board certified specialist in both consumer and business bankruptcy by the Texas Board of Legal Specialization
- Voted "One of Texas Super Lawyers" in 2003 & 2004 by SuperLawyers®, a Thomson Reuters business.
- admitted to practice in federal Tax Court
- A-V rated (awarded by the votes of fellow attorneys in recognition of outstanding legal abilities and the highest ethical standards)
- founding Master of the Dallas-Fort Worth bankruptcy Inn of Court
- former president of the Dallas Bankruptcy Bar and chaired the Courthouse Liaison Committee for that bar for a decade
- practicing in both the Northern and Eastern Districts of Texas
- devoted career to bankruptcy, thirty years experience
- bankruptcy Trustee for ten years
As a lawyer specializing in bankruptcy, I represent clients throughout North and East Texas, and have helped thousands of people, families, and business owners emerge from the pressure of overwhelming debt. They have taken back their financial futures and are enjoying a fresh start.
Unlike many attorneys who say they handle bankruptcy, I am board certified in both consumer and business bankruptcy by the Texas Board of Legal Specialization, and am A-V rated—a distinction that cites outstanding legal ability and high ethical standards. In addition, I was voted "One of Texas Super Lawyers" in 2003 & 2004 by SuperLawyers®, a Thomson Reuters business.
I have spent 30 years focusing exclusively on bankruptcy matters. Whether you live in Dallas, or anywhere in the surrounding Northern or Eastern Districts of Texas, I can help!
Are you facing personal bankruptcy?
Major life events like a job loss, illness, or divorce can wreak havoc on your personal finances. From late charges and interest rates to bill collectors and foreclosures, suddenly it seems your world has been turned upside down.
Beyond the degrees and distinctions, my own life mirrors many of your experiences. I worked my way through college and as a working wife and mother, I know all about juggling time, money, and family. I also know how difficult it can be to meet the economic demands of daily life. If you are considering personal bankruptcy in Dallas, know that there is relief, and there are options. You just need an experienced bankruptcy specialist at your side.
Is Chapter 7 right for you?
Chapter 7 helps those of modest means who, after paying their monthly living expenses, have no money left to repay debts. While Chapter 7 bankruptcy does not enable you to restructure secured debt, catch up on past-due payments, or taxes, there is no repayment plan and your personal liability on most credit card debt is discharged, providing you with a clean slate.
Chapter 11 business bankruptcy allows businesses to continue operation.
When companies file Chapter 11, they undergo a restructuring of their debt. The process requires extensive attention to detail. By renegotiating the terms of the debt with each creditor, businesses can pay the full amount, typically over an extended period of up to five years. Under Chapter 11 bankruptcy, businesses can continue operations during the repayment period, emerging debt-free at the end of the process.
Understanding Chapter 13
Chapter 13 bankruptcy is an option for people to
block foreclosures and vehicle repossessions, stop
wage garnishments and IRS levies, and reduce and
restructure their debts. Under this bill
consolidation approach, debts are repaid over three
to five years, enabling you to catch up on house
payments, child support, taxes, and other debts.
Attorneys fees vary depending on the Chapter chosen and the complexity of the case, e.g. business cases cost more than consumer cases. In Chapter 13 bankruptcy you may generally pay part of your legal fees through your plan. Attorneys fees are lower for a Chapter 7, but all fees must be paid before the case is filed. In either chapter, I will work with you to establish a payment plan for my fees. Court filing fees, which are $310 for Chapter 13 and $335 for Chapter 7, must also be paid at the time your case is filed.
Business bankruptcy basics
Bankruptcy options for Dallas businesses include reorganization under Chapter 11 or Chapter 13, or liquidation under Chapter 7. No matter which route we deem best for your situation, I am there every step of the way.
Select me as your Dallas bankruptcy attorney, and let's face this together.
Though you may now be feeling overwhelmed, I can help you regain peace of mind. My initial consultation is free, and you will leave my office knowing whether bankruptcy is right for you—and exactly what to do next. Call 214-696-6200, email me, or stop by my office and let’s face this together.