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Your Path to a Financial Fresh Start Begins Here
Empowering hardworking families and individuals in Dallas–Fort Worth with compassionate, judgment-free bankruptcy support and a clear path to a fresh financial start.
Who I Help
Who I Help
If you're feeling overwhelmed by debt, you are in the right place.
I work with everyday people across Dallas–Fort Worth who are ready to explore a fresh financial start, including:
Parents juggling bills, childcare, and debt
Teachers, healthcare workers, and essential employees
Individuals recovering from job loss, divorce, or medical emergencies
People running small businesses or side gigs who are carrying too much debt
People who’ve always paid their bills—until life happened
Anyone afraid to answer the phone because of collection calls
Bankruptcy isn’t about failure. It’s about making a smart, legal decision to protect your future.
What is Chapter 7 Bankruptcy?
What is Chapter 7 Bankruptcy?
Chapter 7 bankruptcy is a legal process that allows individuals to discharge (wipe out) most unsecured debts, such as:
Credit card debt
Medical bills
Personal loans
Old utility bills
Business-related debts personally guaranteed
Most people keep their homes, cars, and personal property, thanks to Texas exemptions. The process is typically completed in 4–6 months and puts an immediate stop to collection calls and wage garnishments.
What to Expect
What to Expect
Here’s a 7-Step overview of the Chapter 7 process:
Step 1: Schedule your Financial Fresh Start Strategy Session
Step 2: Complete your Client Intake Form.
Step 3: Submit financial documents through a secure online portal.
Step 4: Complete a brief credit counseling course (required before filing).
Step 5: I will prepare and file your bankruptcy petition.
Step 6: Attend the 341 Meeting of Creditors (you won’t go alone—I’ll be right there with you).
Step 7: Receive your discharge and start fresh, free from qualifying debts.
Common Questions (FAQ)
Common Questions (FAQ)
Can I keep my home or car?
Yes, in most cases, Texas exemptions allow you to keep essential property like your home and vehicle.
Will my boss or coworkers know I filed?
No. Bankruptcy filings are public records, but they’re not advertised, and most employers won’t know unless there’s a specific legal reason.
How much does it cost?
Your consultation is $200. The consultation fee is non-refundable, but if you move forward, it will be credited toward your overall attorney fee.
Attorney fees for bankruptcy vary depending on the complexity of your case, including the amount of debt, number of creditors, and other factors. In addition to attorney fees, there are also court filing fees and required credit counseling and debtor education courses.
Court Filing Fee: $338 (payable to the Bankruptcy Court)
Credit Counseling + Debtor Education Course Fees: Typically $10–$50 each, depending on the provider.
Will I lose my business?
Not necessarily. We’ll review your assets and determine how your business is structured. Many filers continue their business after Chapter 7.
How long will this affect my credit?
The bankruptcy will stay on your credit report for up to 10 years, but many clients begin rebuilding credit immediately after discharge.
How long after Chapter 7 bankruptcy can I buy a house?
Most people can qualify for a mortgage 2 to 4 years after their Chapter 7 bankruptcy discharge, depending on the loan type and how they've rebuilt their credit.
📌 Bankruptcy is a reset—not a permanent block to homeownership.
Pro tip: You can start rebuilding your credit immediately after discharge by using secured credit cards, paying bills on time, and keeping credit utilization low.
Free Resource
Free Resource
Download: “Your Chapter 7 Bankruptcy Checklist”
Download: “Your Chapter 7 Bankruptcy Checklist”
A quick-start guide that walks you through:
What documents to gather
What to expect at each step
What to avoid before filing
Chapter7_Bankruptcy_Checklist_With_Logo w:address.pdfWhat Bankruptcy Can Help You Achieve
What Bankruptcy Can Help You Achieve
I know firsthand how overwhelming it can feel to try to juggle everything, your career, your family, and your finances while also dealing with debt that just won’t go away. That personal experience fuels my commitment to helping other women get the fresh start they deserve.
Filing for Chapter 7 bankruptcy is a powerful legal tool for individuals facing overwhelming debt. Many professional women, business owners, and single moms find that bankruptcy offers a path forward when other options have been exhausted.
Chapter 7 is designed to give you a fresh start, not punish you for life circumstances. Whether you're dealing with medical bills, credit card debt, or the stress of trying to make ends meet, my role is to help you understand your options and move forward with clarity and confidence.
If you're unsure whether bankruptcy is right for you, let's talk. This is a safe, judgment-free space.
👋 Start with a Conversation, Not a Commitment
👋 Start with a Conversation, Not a Commitment
➡️ 📞 Schedule Your Free 15-Minute Discovery Call
This isn’t about convincing you to file for bankruptcy—it’s about helping you explore your options and get clarity on your next step.
In this brief, no-pressure call, we’ll:
Talk through what’s weighing on you financially
Look at whether Chapter 7 might be a potential path forward
Answer your most pressing questions
Help you understand what your options are—even if it’s not bankruptcy
There’s no fee, no obligation, and no judgment—just support and clear answers from an experienced bankruptcy attorney who cares.
Think of it as a chance to breathe, be heard, and take the first step toward peace of mind.
📅 Schedule Your Free 15-Minute Call
All appointments are virtual for your convenience and privacy.
👋 Schedule Your Financial Fresh Start Strategy Session
👋 Schedule Your Financial Fresh Start Strategy Session
This is more than just a meeting. It’s a personalized 45-minute strategy session tailored to your unique financial situation. We will take a close look at your income, assets, and debts to help determine whether Chapter 7 bankruptcy is the right option for you.
Not everyone qualifies for Chapter 7, and for some, it may not be the best path.
My goal is to provide clarity, not pressure. During our session, we will walk through your eligibility, answer your questions, and outline your next steps.
The consultation fee is $200 and is non-refundable.
If we both decide that filing Chapter 7 is appropriate and you choose to move forward, the consultation fee will be credited toward your total attorney fee.
Think of this session as an investment in clarity, confidence, and a debt-free future.
All appointments are conducted virtually for your convenience and privacy.
Please Note:
Please Note:
Attorney fees for bankruptcy vary depending on the complexity of your case. This includes factors such as the amount of debt, the number of creditors, and your overall financial circumstances.
In addition to attorney fees, there are also court filing fees and required credit counseling and debtor education courses.
What’s Included — Flat Fee, Full Service
What’s Included — Flat Fee, Full Service
✔️ Chapter 7 Bankruptcy Representation
✔️ Chapter 7 Bankruptcy Representation
($200 Consultation credited toward your attorney fee if we both decide to proceed with filing)
Personalized eligibility and means test evaluation
Preparation and filing of your bankruptcy petition
Step-by-step support through the entire process
Representation at your 341 Meeting of Creditors
Direct communication with your trustee and creditors
Guidance on rebuilding credit and budgeting post-discharge
You’ll never feel rushed or confused. I work with you at your pace, explaining each step in clear language—because you deserve peace, not pressure.
Legal Disclaimer
Legal Disclaimer
The Law Office of Iris V. Anderson, PLLC is a federally designated Debt Relief Agency. We help clients file for bankruptcy protection under the Bankruptcy Code.
This page is for informational purposes only and does not constitute legal advice. Bankruptcy is a federal legal process. Each case is unique. To receive legal advice tailored to your situation, please schedule a consultation.
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