Judith A. Swift: Experienced Dallas, Plano & Frisco Bankruptcy Lawyer
As a Dallas bankruptcy lawyer I represent clients throughout north Texas, from Navarro to Grayson counties including cities such as Plano, Frisco and many more. I have helped thousands of people, families, and business owners emerge from the pressure of overwhelming debt. They have taken back their financial future and are enjoying a fresh start.
Unlike many other bankruptcy lawyers, I am board certified in both consumer and business bankruptcy. I am also A-V rated—a distinction that cites outstanding legal ability and high ethical standards. In addition, I was named a Super Lawyer by Texas Monthly magazine.
I have spent more than 25 years focusing exclusively on bankruptcy matters, and I practice in both the Northern and Eastern Districts of Texas. So whether you live in Dallas, Plano, or Frisco, McKinney, Denton or Paris, Arlington, Irving or Carrollton, I can help.
Facing personal bankruptcy in Dallas, Plano, or Frisco?
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 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. And I know how difficult it can sometimes 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 a Dallas Chapter 7 bankruptcy right for you?
Chapter 7 bankruptcy 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 in Dallas to continue operation
When Dallas companies file Chapter 11 bankruptcy, they undergo a restructuring of their debt. The process requires extensive attention to detail. But 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 in Dallas can continue operations during the repayment period, emerging debt-free at the end of the process.
Understanding a Dallas Chapter 13 bankruptcy
Chapter 13 bankruptcy is an option for higher income families to 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.
Business bankruptcy basics
Bankruptcy options for 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.
Ease your mind now
"I had perfect credit until the divorce. Trying to pay all the household expenses on my own doesn't leave me any money for the old bills. The bill collectors won't work with me — all they do is threaten to file suit."
"My husband was hurt on the job and was out of work. Now we're behind on the truck and the medical bills are pouring in. If the dealer repossesses the truck, he won't have a job. What can we do?"
"Bill collectors call day and night, threatening to garnish my wages and scaring my wife. They call at work and my boss is upset. I need to stop this nightmare."
"I've been sending money to my elderly parents to help them out. Now I'm behind on my house payments and the lender wants all the past-due payments now or they will foreclose. I have some extra money to catch up, but I can't do it all at once. I need time!"
"When I lost my old job, I got behind on my bills. I'm working again, but I don't make as much. I'm making my minimum payments on my credit cards, but the interest rates keep going up. I'll never catch up!"
"I have tried my best but my finances are out of control."
Let's face this together
While you may be feeling overwhelmed now, I can help you regain peace of mind. My consultation is free, and you will leave my office knowing whether bankruptcy is right for you—and exactly what to do next. Call me at 214-696-6200, email me or stop by my office, and let’s face this together.
