Law Office of Rick J. Deal, P.C.
Overwhelmed by Debt?
Find Your Path to Relief
If you're struggling with debt, you don't have to figure out your options on your own. As an experienced bankruptcy attorney in Conroe, Texas, I will personally review your financial situation, explain your options, and help you determine whether Chapter 7 or Chapter 13 bankruptcy is right for you.
I represent individuals and families throughout Montgomery County and Southeast Texas, providing straightforward advice and personal attention throughout the bankruptcy process.
Find the Right Debt Relief Option
BANKRUPTCY OPTIONS
130+
Families Guided with Care
CHAPTER 13
Protect Property & Catch Up
Chapter 13 can help stop foreclosure, address past-due mortgage or vehicle payments, deal with tax debt and reorganize your finances through a court-approved repayment plan.
BANKRUPTCY PROTECTION
What Happens When I File Bankruptcy?
Filing bankruptcy generally triggers the automatic stay, which stops most collection activity while your case is pending. This can stop creditor calls, collection lawsuits, wage garnishments and many repossession and foreclosure efforts.
Bankruptcy can also provide a structured way to address your debts. Chapter 7 may eliminate qualifying debts, while Chapter 13 may allow you to protect property and reorganize debts through a repayment plan.
Every situation is different. I can explain what bankruptcy would—and would not—do in your particular circumstances.
BANKRUPTCY MAY PROVIDE RELIEF
Is Debt Creating Any of These Problems?
01 — Creditor Lawsuits & Collection Pressure
If creditors are calling, suing you or pursuing collection, filing bankruptcy generally triggers the automatic stay, which stops most collection activity and gives you an opportunity to address the underlying debt.
02 — Foreclosure & Repossession
If you are behind on your mortgage or vehicle payments, Chapter 13 may allow you to stop a pending foreclosure or repossession, protect your property and repay your debt on those assets over time.
03 — Credit Cards, Medical Bills & Unmanageable Debt
If minimum payments and collection accounts have become impossible to manage, bankruptcy may eliminate qualifying unsecured debts or allow you to reorganize your debts through a court-approved repayment plan.
04 — Tax Debt & Wage Garnishment
Bankruptcy may provide options for certain tax debts and generally stops most wage garnishments while the automatic stay is in effect. The treatment of tax debt depends on the type of tax, when it became due and other circumstances.
Local. Personal. Experienced.
Your financial situation deserves individual attention. I personally review your circumstances, explain your bankruptcy options, and help you determine the appropriate path forward.
My practice focuses primarily on consumer bankruptcy. I represent individuals and families in both Chapter 7 and Chapter 13 cases and can explain how bankruptcy would affect your particular circumstances.
WHY CHOOSE RICK DEAL?
PERSONAL ATTORNEY ATTENTION
FOCUSED BANKRUPTCY EXPERIENCE
My office is located in Conroe, and I represent clients throughout Montgomery County and Southeast Texas.
LOCAL CONROE REPRESENTATION
BANKRUPTCY RESOURCES
Bankruptcy Answers & Resources