Unburden Yourself With Expert Bankruptcy Advice from Attorney Omar Colón
OCR Legal, PLLC helps Texas residents in Collin, Denton, Dallas, Tarrant (Fort Worth), Smith (Tyler), and Harris (Houston) counties file Chapter 7 and Chapter 13 bankruptcy to stop wage garnishment, lawsuits, and creditor collection calls. Attorney Omar Colón, practicing since 2004, reviews each client’s debts and assets to recommend the chapter — or an alternative to bankruptcy — that fits their situation. Filing bankruptcy triggers the automatic stay under 11 U.S.C. §362, halting most collection action immediately. Texas’s homestead exemption is one of the most protective in the country, and most filers keep their primary residence.
Becoming debt-free is a luxury that not many have had the chance to experience. However, with our help, you can achieve this goal. You can always work on fixing your credit, but the freedom from debt is priceless. Without the burden of debts, you will have the chance to save money or put it to better use.
OCR Legal represents clients throughout six Texas counties: Collin County (McKinney, Frisco, Plano, Allen), Denton County (Denton, Lewisville, Frisco), Dallas County (Dallas, Irving, Garland), Tarrant County (Fort Worth, Arlington), Smith County (Tyler), and Harris County (Houston, Pasadena, Baytown).
Frequently Asked Questions
Chapter 7 & 13 Counseling
At OCR Legal, PLLC in Texas, led by Attorney Omar Colón, we offer Chapter 7 and 13 counseling and representation. As a debt relief agency, our office can help you file for bankruptcy relief under the Bankruptcy Code. Our attorney understands the complexities of bankruptcy law and will work with you to determine the best path forward for your unique situation.
If you're struggling with debt, don't hesitate to contact Omar Colón, PLLC, for help. With multiple years of experience and dedication to your case, we can help you achieve the financial freedom you deserve.
CONTACT OCR Legal, PLLC, AT469-389-8877 TO SCHEDULE A CONSULTATION AND LEARN MORE ABOUT YOUR BANKRUPTCY OPTIONS.
Bankruptcy Questions, Answered — Frisco and Collin County, TX
Can I keep my house if I file Chapter 7 bankruptcy in Texas?
1
Texas has one of the most generous homestead exemptions in the country — there’s no dollar cap on home equity for a qualifying homestead, only acreage limits (10 acres in a city, 100–200 acres in the country). If you’re current on payments and the home qualifies, Chapter 7 typically won’t require you to give it up.
What property can I keep in a Texas bankruptcy?
2
Texas exempts up to $100,000 in personal property for a family ($50,000 for a single adult) under Texas Property Code §42.001, plus one vehicle per licensed household member, tools of your trade, and most retirement accounts. Combined with the homestead exemption, most filers keep their home, car, and belongings.
What’s the difference between Chapter 7 and Chapter 13 bankruptcy?
3
Chapter 7 liquidates non-exempt assets to discharge debt in about 3-4 months and works best if you have little disposable income. Chapter 13 restructures debt into a 3-5 year repayment plan, letting you keep property and catch up on a mortgage while paying down what you can afford.
Where do I file bankruptcy if I live in Frisco, Plano, or McKinney?
4
Collin County falls under the U.S. Bankruptcy Court, Eastern District of Texas, Sherman Division, based at 660 North Central Expressway, Suite 300B, Plano, TX 75074, (972) 509-1240. This is the division and judge assigned to cases filed by Frisco, Plano, and McKinney residents.
Education
PONTIFICAL CATHOLIC UNIVERSITY
Juris Doctor, 2004
Affiliations
National Association of Consumer
Bankruptcy Attorneys
Bar Admissions
Texas Northern District, Texas Eastern District, Texas Southern District, Puerto Rico Federal District, First Federal Appellate District of Boston
