Cross Stone Law

10/12/2026

On the second Monday of October, the U.S. observes a federal holiday first established in 1937 to mark Christopher Columbus’s 1492 voyage to the Americas — now also recognized in many places as Indigenous Peoples’ Day. Our office is closed today and reopens tomorrow. Leave a message or email us anytime!

10/07/2026

09/20/2026

"Will I lose my home if I file bankruptcy?" It's a common fear — but Texas has very generous exemptions, especially for homesteads. Exemptions protect the property you need to keep. Planning early makes a difference, so consult an attorney before you file. Link in comments.

09/13/2026

Life doesn't always go as planned. Many seniors are working longer than ever, but overwhelming debt shouldn't stand in the way of your peace of mind. If you're struggling to make ends meet, a consultation can help you explore your options. Happy Grandparents' Day! Link in comments.

09/11/2026

Today we remember and honor the lives lost on September 11, 2001, and the first responders who ran toward danger to help others. We hold their families and all those affected in our prayers. We will never forget. 🇺🇸

09/10/2026

Does bankruptcy forgive every debt? Some debts — like student loans, recent taxes, and child support — usually aren't discharged. Chapter 13 may give you more time to pay them. Every situation is different, so talk to an experienced bankruptcy attorney.

09/07/2026

Happy Labor Day from all of us! Our office is closed today and we'll reopen tomorrow. Leave a message or email us and we'll respond as soon as we're back. Enjoy the holiday!

09/03/2026

The moment you file , something powerful kicks in: the automatic stay. With few exceptions, everything stops. Garnishments, repossessions, foreclosures, and those relentless collection calls all halt. It's the breathing room you need to recover.

08/29/2026

Bankruptcy isn't one size fits all.

Most people choose between two options.

Chapter 7 is cheaper and faster, but you must qualify — usually best for credit card and unsecured debt.

Chapter 13 offers broader relief and helps you catch up on a mortgage or car loan.

Links in comments.

08/22/2026

What type of bankruptcy will help you the most?

All the chapter numbers get confusing. For ordinary consumer cases, two are used: Chapter 7 (liquidating — must be able to protect assets) and Chapter 13 (wage earner plan — repay debt over time).

The chart shows the pros and cons of each: