Bankruptcy Filing Legal Guidance

Summary

Ella is considering filing for bankruptcy and is unsure whether to file for Chapter 7 or Chapter 13. She is also facing car repossession and has received a DWI, impacting her job prospects. Ella cannot afford legal help and seeks pro bono assistance. She was provided with information on free legal aid organizations in Texas, including Texas Legal Services Center, Lone Star Legal Aid, and Legal Aid of Northwest Texas. Additionally, she was directed to the Dallas Volunteer Attorney Program for further assistance.

Full Conversation

Bankruptcy
Hello ****, I understand you're seeking information about bankruptcy. Can you please tell me if you're considering filing for bankruptcy or if you've already filed? This will help me provide better information suited to your situation.
considering filing
Hello ****, there are different types of bankruptcy filings - Chapter * and Chapter * being the most common. Could you clarify which one you're considering? This will help me provide accurate information.
I do not know
It's okay, ****. For a start, here's a brief explanation:
- Chapter *: It's often used by people with few assets who want to eliminate most debts like credit card debt.
- Chapter *: Allows people with regular income to repay their debts over time.
Which seems more fitting?
chapter *
Hello ****, here is some information on Chapter * bankruptcy in Texas:
- Also known as "liquidation bankruptcy."
- Filers may keep certain "exempt" property.
- Most remaining debts are discharged.
- There is a "means test" to qualify.
Remember, consulting a legal expert before proceeding is advisable.
My car is about to be repossesd
I'm sorry to hear about your situation, ****. In Texas, your vehicle is protected up to a certain value under the bankruptcy exemptions. Are you current on your car payments?
no
I see, ****. In Texas, if you're behind on payments, filing for Chapter * bankruptcy won't prevent the lender from repossessing your car. However, a Chapter * bankruptcy might allow you to keep it. Would you like more information on this option?
yes
Understood, ****. Chapter * bankruptcy allows you to repay your debts over time, including car loans. This can help you in preventing repossession. You'll need regular income to qualify. Does this sound like an option you'd explore?
I received a DWI after a domestic violence situation and am unable to find work
I'm sorry to hear about your situation, ****. In Texas, a DWI can have significant impact on job prospects. Have you considered seeking legal help to potentially have the charge expunged or sealed?
Yes, but I can not afford legal help
I'm sorry to hear about your situation, ****. There are legal aid services available in Texas that offer free or low-cost legal assistance. Would you like me to provide information about these services?
yes please
Understood, ****. Here are some organizations in Texas that provide free or low-cost legal assistance:
- Texas Legal Services Center: Offers free legal advice and representation to low-income Texans.
- Lone Star Legal Aid: Provides free civil legal aid to eligible low-income individuals.
- Legal Aid of Northwest Texas: Provides free civil legal help to eligible residents in North and West Texas.
will they help?
These organizations are designed to help individuals in need of legal assistance who cannot afford it. While each case is different, they should be able to guide you through your situation or point you in the right direction.
thank you
You're welcome, ****. Don't hesitate to reach out if you have more questions. Remember, it's important to seek legal advice before making any decisions. Good luck with everything.
Can you provide the website links to those organizations?
Sure, ****. Here are the websites for the organizations I mentioned:
- Texas Legal Services Center: [www.tlsc.org](http://www.tlsc.org)
- Lone Star Legal Aid: [www.lonestarlegal.org](http://www.lonestarlegal.org)
- Legal Aid of Northwest Texas: [www.lanwt.org](http://www.lanwt.org)
bro bono legal assitance for filing for bankruotcy in Dallas
I understand you're seeking pro bono assistance for bankruptcy in Dallas, Texas. You can contact the following organizations:
- Dallas Volunteer Attorney Program: They provide free legal assistance. You can find more information on [www.dallasvolunteerattorneyprogram.org](http://www.dallasvolunteerattorneyprogram.org)
- Legal Aid of NorthWest Texas: They also provide free legal assistance. Visit [www.lanwt.org](http://www.lanwt.org) for more information.
Please ensure to confirm their requirements and eligibility criteria.
car repossession free lawyer
I understand you're seeking a free lawyer for car repossession issues. You can contact the following organizations in Texas:
- Texas Legal Services Center: They offer free legal advice. Visit www.tlsc.org
- Lone Star Legal Aid: They provide free civil legal aid. Visit www.lonestarlegal.org
- Legal Aid of Northwest Texas: They provide free civil legal help. Visit www.lanwt.org
Please ensure to confirm their requirements and eligibility criteria.