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10/20/2026

Is my bankruptcy trustee an opp? 👀

Not exactly.

But your Chapter 7 trustee is also not your attorney and is not there to protect your interests.

The trustee has an independent job: reviewing your assets, exemptions, income, transfers, and financial history to determine whether there is property that can be sold off for the benefit of your creditors.

That is part of why Chapter 7 is sometimes called a liquidation bankruptcy.

Does that mean the trustee automatically takes everything you own? No.

A major part of Chapter 7 planning is determining which assets are protected by bankruptcy exemptions and whether there is anything the trustee could potentially liquidate.

That is why I spend so much time reviewing assets before a case gets filed.

I’m Adrian Spearman, a Texas Chapter 7 bankruptcy attorney serving clients statewide.

📞 DFW: 214-888-8253
📞 Houston: 281-699-9265
📞 San Antonio: 210-880-0222
📞 Texas Toll-Free: 1-855-544-1524

Free bankruptcy phone consultations available.

Educational content only. Not legal advice.

What actually happens after you file Chapter 7?A Chapter 7 case usually moves through a pretty straightforward timeline....
10/18/2026

What actually happens after you file Chapter 7?

A Chapter 7 case usually moves through a pretty straightforward timeline.

First, we prepare and file the petition, making sure assets are protected and the debts you want discharged are properly included.

Next comes the 341 Meeting of Creditors, which is usually scheduled within about 30 to 45 days after filing and is often held by Zoom.

After that, there is generally a 60-day objection period.
Then, if everything is in order, the court enters the discharge order, which can wipe out qualifying unsecured debts like credit cards, payday loans, medical bills, and other unsecured debt.

For many people, the entire Chapter 7 process is completed in about 3 to 4 months.

I’m Adrian Spearman, a Texas Chapter 7 bankruptcy attorney serving clients statewide.

📞 DFW: 214-888-8253
📞 Houston: 281-699-9265
📞 San Antonio: 210-880-0222
📞 Texas Toll-Free: 1-855-544-1524

Educational content only. Not legal advice.

10/18/2026

Do I REALLY need a bankruptcy attorney to file Chapter 7?

Technically, an individual can file bankruptcy without an attorney.

But the better question is whether you want to go through a Chapter 7 case without someone reviewing your income, assets, exemptions, debts, transfers, secured property, and financial history before that case gets filed.

Bankruptcy forms can look straightforward until one fact changes the analysis.

That is one reason I spend time reviewing the entire financial picture with my clients before we file anything.

I’m Adrian Spearman, a Texas Chapter 7 bankruptcy attorney serving clients statewide.

📞 DFW: 214-888-8253
📞 Houston: 281-699-9265
📞 San Antonio: 210-880-0222
📞 Texas Toll-Free: 1-855-544-1524

Free bankruptcy phone consultations available.

Educational content only. Not legal advice.

10/13/2026

Make too much for Chapter 7?

You may not be automatically disqualified.

One of the biggest misconceptions I hear is that being over the median-income number means Chapter 7 is completely off the table. In many cases, that is only the first step of the means-test analysis.

Your household size, income, allowable expenses, and overall financial situation can all matter.
So before you decide you “make too much” for Chapter 7, have the numbers actually reviewed.

I’m Adrian Spearman, a Texas Chapter 7 bankruptcy attorney serving clients across the state.

📞 214-888-8253 DFW
📞 281-699-9265 HTX
📞210-880-0222 SATX
📞1-855-544-1524 TEXAS

Free bankruptcy phone consultation.
Educational content only. Not legal advice.

Wondering if you qualify for Chapter 7 in Texas?One of the first things we look at is the means test, which compares you...
10/08/2026

Wondering if you qualify for Chapter 7 in Texas?

One of the first things we look at is the means test, which compares your household size and income to the Texas median income limits.

This graphic gives a general snapshot of the household income limits by family size in Texas. If your income is UNDER the limit, you may qualify for Chapter 7 more easily.

If it’s over the limit, that does not automatically mean you do not qualify, there may still be deductions and other factors that help.

Every case is different, and qualification is based on more than just one number.

If you’re in Texas and want to know whether you may qualify for Chapter 7, schedule a free bankruptcy phone consultation.

(214) 888-8253 (DFW)
(281) 699-9265 (HTX)
(210) 880-0222 (SaTX)
1-855-544-1524 (TEXAS)

BankruptcyAttorney DebtRelief DebtHelp TexasDebtRelief BankruptcyHelp ConsumerBankruptcy SpearmanLegalFirm

10/08/2026

Do I qualify for Chapter 7 in Texas?

I use a household size of 1 as the example in this video, but household size matters because the Chapter 7 means-test income guideline changes as the household gets larger.

Texas Median Income Limits:
1 person: $66,837
2 people: $86,714
3 people: $99,273
4 people: $117,962
Each additional person over 4: add $11,100

And remember: being above the median-income number does not automatically mean you cannot qualify for Chapter 7. There can still be a second part of the means-test analysis involving allowed deductions.

I file Chapter 7 cases across Texas and offer free bankruptcy phone consultations.

📞 214-888-8253 (DFW/)
📞 281-699-9265 (HTX)
📞 210-880-0222 (SATX)
📞1-855-544-1524 (TEXAS)

Spearman Legal Firm, P.C.
Educational content only. Not legal advice.

10/07/2026

Do you repay your debt in Chapter 7 bankruptcy?

Usually, Chapter 7 is not a repayment-plan bankruptcy like Chapter 13. Chapter 7 is generally focused on discharging qualifying debt, especially unsecured debt like credit cards, personal loans, and medical bills. If you want to keep secured property, such as a house or vehicle, payments tied to that property may still continue.

I’m Adrian Spearman, a Texas Chapter 7 bankruptcy attorney serving clients across the state. Call Spearman Legal Firm, P.C. at 214-888-8253 for a free bankruptcy phone consultation.

Educational content only. This video is not legal advice and does not create an attorney-client relationship.

10/06/2026

Chapter 7 looks at your last 6 months of income, right?

Usually, the means test looks at a specific six-month period, but that does not mean your situation is always as simple as taking your current paycheck and multiplying it out.

If your income recently changed because of overtime, a new job, a pay cut, a bonus, unemployment, or inconsistent income, the timing of your Chapter 7 filing can matter.

I’m Adrian Spearman, a Texas Chapter 7 bankruptcy attorney serving clients across the state. If you’re considering Chapter 7 in Texas, call Spearman Legal Firm, P.C. at 214-888-8253 for a free bankruptcy phone consultation.

Educational content only. This is not legal advice and does not create an attorney-client relationship.

10/05/2026

Thinking about Chapter 7 bankruptcy in Texas? I’m Adrian Spearman, a Texas Chapter 7 bankruptcy attorney serving clients statewide.

I offer free bankruptcy phone consultations to help you understand whether Chapter 7 may be a good option for dealing with credit card debt, personal loans, medical bills, lawsuits, garnishments, repossessions, business debt, and more.

Call Spearman Legal Firm, P.C. at 214-888-8253 to schedule a free consultation.

300 Bankruptcy Cases filed as a solo attorney! 💪🏿
06/04/2026

300 Bankruptcy Cases filed as a solo attorney! 💪🏿

Address

3662 W. Camp Wisdom Road , Suite 2044
Dallas, TX
75237

Telephone

+12148888253

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