Call LoBue Law at (972) 694-6400 or schedule your free consultation online.
Bankruptcy Attorney in Plano
Over 25 Years of Experience Behind Your Debt-Relief Strategy
Collection pressure can involve more than unpaid balances. Pending lawsuits, threatened property loss, and household obligations can all affect whether bankruptcy is a practical option. Before recommending a strategy, we consider your debts, income, assets, filing history, and immediate deadlines.
At LoBue Law, PLLC, we provide personalized bankruptcy and debt-relief guidance to individuals and small businesses. Attorney Vincent LoBue has over 25 years of legal experience, including representing banks in bankruptcy proceedings. That background helps us assess likely creditor actions and determine how to respond.
Discuss your financial situation directly with our Plano bankruptcy attorney. Call (972) 694-6400 to schedule a free initial consultation.
Choosing Between Chapter 7 & Chapter 13 Bankruptcy
Chapter 7 and Chapter 13 address debt differently. We evaluate your eligibility, income, property concerns, creditor activity, and types of debt rather than steering every client toward the same chapter.
Chapter 7 Bankruptcy
Chapter 7 generally focuses on discharging qualifying unsecured debts, such as credit card balances and medical bills. Eligibility may depend on the means test, which compares income and permitted expenses under applicable rules. A trustee reviews the filing, and Texas bankruptcy exemptions may determine which property is protected.
Chapter 13 Bankruptcy
Chapter 13 uses a court-approved repayment plan, generally lasting three to five years, for individuals with qualifying income. It may provide time to address debt, respond to secured creditor pressure, or preserve property, provided the proposed plan is feasible and meets court requirements.
The choice commonly depends on:
- Income and expenses: Whether household finances support Chapter 7 eligibility or a Chapter 13 plan
- Property and exemptions: How applicable exemption rules affect homes, vehicles, and other assets
- Debt types: Which obligations may be discharged, repaid, or treated differently
- Creditor activity: Whether lawsuits or other collection events create urgent timing concerns
Bankruptcy isn’t appropriate for every financial situation. When filing isn’t the right course, we can evaluate debt settlement and other debt-relief solutions.
Work Directly With Your Bankruptcy Lawyer
You work directly with Vincent LoBue rather than having your case passed to paralegals or assistants. This gives you direct access to the attorney responsible for reviewing your documents, creditor concerns, and filing decisions.
Clear communication matters when a lawsuit, foreclosure date, or other deadline is approaching. We respond within one hour during regular business hours, so you know what to expect next.
Creditor-Side Experience Applied to Your Case
Before representing individuals and small businesses in debt matters, Vincent represented banks in bankruptcy proceedings. That experience helps us anticipate how creditors may evaluate claims, documentation, payment proposals, and potential objections.
Because creditor conduct can influence negotiations, filing preparation, and strategy, we assess it carefully against the facts of your case. We can then explain your available options in clear, practical terms.
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DependabilityWhen you hire Attorney LoBue, your case will be handled by him directly.
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CommunicationWe promise to provide a response to all communications within one hour, during regular business hours.
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PersonalizationEveryone's situation is different, Attorney LoBue takes the time to listen and find the right solution for you.
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ExperienceOver 25 years of experience working with and for banks.
What to Expect From Your Bankruptcy Consultation
Your initial consultation is free and conducted with an attorney. We can meet in person, by phone, or by video conference to discuss urgent concerns and identify the information needed for a complete evaluation.
Useful information may include:
- A list of creditors and approximate balances
- Income, regular expenses, and household obligations
- Real estate, vehicles, accounts, and other assets
- Recent transfers or significant financial transactions
- Lawsuits, collection notices, and scheduled creditor actions
- Information about previous bankruptcy filings
Once we understand your circumstances, we can determine whether bankruptcy is viable and recommend a course of action. Depending on the facts, the next step may involve Chapter 7, Chapter 13, debt settlement, negotiation, defense against collection actions, or another strategy.
Flexible Payment Arrangements for Chapter 7
Cost concerns shouldn’t keep you from learning which options may be available. We offer flexible payment arrangements and can begin working on a Chapter 7 case with as little as $100 down.
The $100 starting amount isn’t a universal case price. Total fees and payment timing vary based on the chapter, complexity, filing requirements, and scope of representation. During your consultation, we can explain legal fees, court filing costs, and payment expectations.
Get a Clear Strategy for Addressing Your Debt
A free consultation gives you an opportunity to discuss your debts, urgent creditor activity, and the information needed to evaluate your options. You’ll speak directly with an attorney about whether bankruptcy or another debt-relief solution deserves further consideration.
We serve clients throughout the Northern and Eastern Districts of Texas, including Collin and Dallas counties. Direct attorney communication and flexible payment arrangements make it easier to understand your options and take the appropriate next step.
Call (972) 694-6400 to schedule your free consultation with LoBue Law, PLLC.
