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Not Sure Bankruptcy Is for You? Consider These Bankruptcy Alternatives

Are you struggling with financial problems, but aren’t sure that bankruptcy is the answer? This is a common concern of many clients of Huebner Law Firm, PC. As a Fort Worth bankruptcy lawyer, I have more than 20 years of legal experience and can help you understand all of your options for resolving financial matters.

Understanding Your Options

Whether you're afraid of foreclosure or overwhelmed by creditor harassment, I can help you navigate bankruptcy and relieve your stress. Bankruptcy is a great option for those with substantial debt, but it is not the only option.

A couple of examples of bankruptcy alternatives include:

  • Negotiate a Loan Modification – It may be possible to work with a lender or a creditor to negotiate a payment plan. The result of such a negotiation will, of course, vary depending on your lender/creditor and the quality of your attorney. It can help to resolve individual debts or fight foreclosure. It is unlikely that you will be able to set a plan for all of your debts this way, as you would in a Chapter 13 case.

  • Surrender Property – If you are under threat of foreclosure or repossession due to outstanding debt, surrendering your property will likely significantly decrease what you owe, or eliminate it altogether. Of course, this also means that you lose your home, car, or other valuable property.

  • Cease and Desist – Sending a “cease and desist” letter to creditors will legally require them to stop harassing you. While this can offer relief from constant calls or letters, it will not prevent them from suing you.

  • Debt Consolidation You have the option to take out a loan to pay off all other debts, after which you will only have to worry about paying one monthly payment to the consolidation company. This is an attractive option for many, but it is important to note that most consolidation loans require your home as collateral. This means that you must have a significant amount of equity in your home to qualify, and if you cannot keep up with the payments on the consolidation loan, you might lose it.

  • Consumer Credit Counseling – Similar to a consolidation loan, rather than paying off multiple debts, you will only be responsible for one monthly payment to a credit counseling program. Through this program, creditors may agree to lower the amount due or the interest rates. However, it is likely that not all creditors will participate, and you might not be allowed to apply for or use any credit through the duration of the program.

Discuss Your Case in a Free Consultation: (817) 576-1889

The best option for finding debt relief varies on a case-by-case basis. In order to understand what’s right for you and your family, let Huebner Law Firm, PC provide experienced, knowledgeable counsel. My team and I will take the time to understand your financial situation and discuss with you all of your options for building a better future.

Call (817) 576-1889 to get started! We offer 100% free consultations.

Are You...

  • Drowning in debt
  • Feeling stressed because of your finances
  • Being harassed by creditors

If any of these apply to you, take the first step toward your peace of mind by getting in touch with my law firm today.


You're not alone. We've helped over 10,000 families just like yours.

  • "Mr. Huebner is great to work with. He helped my mom through a very difficult time. He was fast, patient, honest and he got the job done. He was available to answer any question she had, and he always treated her like a person, not just another case file. Highly recommended!"

    - Jim

  • "I would highly recommend Mr. Huebner to anybody considering a bankruptcy. He is a very personable, thorough, hard-working attorney with very reasonable fees. He made the whole process very easy for me."

    - SB

  • "To those who may be contemplating bankruptcy, let me assure you that Mr. Huebner is the very best decision that you could possibly make. At a very unsure time in my life Mr. Huebner was a shining ray of hope. Through his unmatched professional knowledge, close attention to detail, and his sincere ..."

    - Daniel

  • "Mr. Huebner kept his word, and all he asks is that you’re honest with him, which is the only way to be when having to make this decision in your life. He never judged us and was very helpful. William was there every step of the way, from the first page until the last. We could not have asked for a ..."

    - TM

  • "I highly recommend attorney William Huebner. He successfully handled my chapter 7 bankruptcy. Bill is extremely knowledgeable and always professional while remaining personable and supportive. The decision to file was difficult for me. Bill was kind and compassionate and helped me better understand ..."

    - YR

  • "Bill, thanks so much for all your help regarding my case. It all went so smoothly because you did such a wonderful job making sure everything was completed and correct. You went the extra mile to make my experience easy and I appreciate all you did to help things along. I will definitely recommend ..."

    - Toni A

  • "I just wanted to thank you for all you did for me pertaining to my bankruptcy at a time in my life when things were looking pretty bleak. You gave me hope for Rick and my future. We both appreciated it. I would recommend you highly. Thank you again!!"

    - C.J.

Asked Questions

  • Why should I file for bankruptcy

    There are a number of benefits to bankruptcy, including avoiding foreclosure and putting an end to creditor harassment. Filing can also help resolve issues concerning repossession, past-due taxes, child support payments, and wage garnishments. If you’ve been sued because of a debt, filing for bankruptcy can also help you fight the lawsuit. I can help you understand what filing can mean for you and your family.

  • Will I lose all of my property

    You might be surprised to hear that individuals who file for bankruptcy often lose little to nothing. Every case is different and the amount that you might have to forfeit depends upon a number of unique and complex factors. However, our firm is proud of our success in helping clients retain those assets that are important to them.

  • Can all debts be discharged

    Most debts can be discharged in a bankruptcy, but not all. Some debts—such as most taxes, child support and alimony payments, and student loans—are nondischargeable, meaning they cannot be eliminated altogether. Fortunately, for these debts, it is possible to reschedule or re-organize your payments to be more manageable.

  • How does bankruptcy work

    Bankruptcy can work in one of two ways. First, by filing for a form of bankruptcy referred to as Chapter 7, you can eliminate all dischargeable debt, including credit cards, car loans, mortgages, medical bills and more. Second, you can file a form of bankruptcy known as Chapter 13, which works to re-organize your debts to give you a longer period of time to pay them off. Chapter 13 is preferable to individuals dealing with nondischargeable debts, do not qualify for Chapter 7, or have high-value assets that they wish to protect.

  • Why do I need a lawyer

    You could certainly file for bankruptcy on your own, but it’s not recommended. You’re already anxious enough without the added complexities of navigating the legal process. Having a lawyer handle your case takes the responsibility off of your shoulders and ensures that every detail will be handled correctly and on time. Not sure you can afford an attorney? Huebner Law Firm, PC offers flexible payments plans to help with your bankruptcy case. Get in touch to learn more.

  • When will I see results

    The timeline for bankruptcy can vary on a case-by-case basis. In general, bankruptcy cases are completed between three to six months, depending on a variety of factors. As your attorney, it is my job to make sure the process is completed efficiently and to fight for your rights every step of the way. Speeding can lead to costly mistakes.

How You Benefit from
Working with My Firm

For nearly 20 years, my firm has fought relentlessly for people struggling with debt, many of whom are just trying to get by. We have provided the one thing our clients need: results.

Many families fear bankruptcy as much as they fear asking a lawyer for help. The first thing we want you to know is bankruptcy is not an admission of failure; it’s a way to reclaim control over your financial situation. With that in mind, you can ask for help freely, without worry.

My firm has an in-depth understanding of the law and how it affects your finances. Our primary goal is to free you from debt and stress. With our understanding of the law and a thorough examination of your situation, you can be sure certain that we’ll explore every possible avenue of debt resolution.

There’s nothing to lose—our initial consultations are free and starting your case requires no upfront payment. Our flexible payment plans begin at $50 a week, so call today!

  • Courts judge people, but we don't.

  • We are backed by 20+ years’ experience.

  • We offer completely free consultations.

  • It is $0 down to start your case.

  • We offer competitive pricing.

  • Our payment plans start at $50/week.

  • We have helped over 10,000 families.

  • We make weekend appointments available!

I've helped more than 10,000 people who were going through exactly what you are going through now. Don't wait: let me help you too!
- William Huebner

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