Debtstoppers: Bankruptcy Law Firm - Dallas, TX logo

Debtstoppers: Bankruptcy Law Firm - Dallas, TX in Dallas, TX

4.6/5
Google rating from 40 reviews

DebtStoppers is a bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, with a Dallas office and virtual consultation options.

Data compiled from public sources · Google rating shown when a stored review count is available

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Debtstoppers: Bankruptcy Law Firm - Dallas, TX Review

DebtStoppers is a bankruptcy law firm that has operated since 2003 and has grown to become one of the largest bankruptcy practices in the nation. The firm has helped thousands of clients navigate the bankruptcy process and achieve debt discharge. They maintain an A+ rating from the Better Business Bureau and operate a physical office in North Dallas at 10000 North Central Expressway, Suite 400, with regular business hours Monday through Friday, 9 AM to 5 PM.

The firm offers comprehensive bankruptcy legal services focused on two primary chapters of bankruptcy law. They provide Chapter 7 bankruptcy representation, which allows clients to discharge unsecured debt such as credit cards, personal loans, medical bills, and payday loans relatively quickly, provided the client passes the means test and completes required credit counseling. They also offer Chapter 13 bankruptcy services, which involves establishing a court-approved repayment plan lasting three to five years, allowing clients to reorganize debt while retaining assets. DebtStoppers handles all aspects of the bankruptcy process, from initial consultation through creditor negotiations, document preparation, and court representation.

DebtStoppers distinguishes itself through listed experience context in both Chapter 7 and Chapter 13 bankruptcy law with particular focus on Texas state exemptions. The firm emphasizes asset protection, helping clients maximize federal and state exemptions to keep as many assets as possible during bankruptcy proceedings. They offer free initial consultations with qualified attorneys and provide flexible service delivery through both in-office meetings and fully virtual options. The firm's long track record since 2003 and BBB accreditation provide third-party credibility.

The primary limitation is that DebtStoppers is exclusively a bankruptcy law firm—they do not offer debt settlement, credit repair, or debt management services outside the bankruptcy framework. Bankruptcy is a serious legal proceeding with long-term credit implications, and while the firm helps clients understand their options, filing bankruptcy itself requires significant commitment and has lasting consequences. The website content does not provide detailed information about attorney credentials, client reviews, or comparative pricing versus other bankruptcy firms.

Services & Features

Asset protection and exemption analysis
Bankruptcy document preparation and filing
Chapter 13 bankruptcy filing and representation
Chapter 13 repayment plan development
Chapter 7 bankruptcy filing and representation
Court representation and litigation
Credit counseling course assistance and coordination
Creditor negotiation and communication
Free initial bankruptcy consultation with attorney
In-office bankruptcy consultation at Dallas location
Means test evaluation and preparation
Virtual bankruptcy consultation options

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • A+ rating from Better Business Bureau (confirmed on website)
  • Free initial consultation with a qualified Texas bankruptcy attorney
  • Offers both Chapter 7 and Chapter 13 bankruptcy experience context tailored to Texas law
  • Handles complete bankruptcy process from filing documents to court representation
  • Provides flexible service delivery with virtual consultation options available
  • Specializes in asset protection and maximizing federal and state exemptions
  • Established firm since 2003 with track record of helping thousands of clients

Cons

  • Only offers bankruptcy solutions—no alternative debt relief, settlement, or credit repair services
  • Bankruptcy filing has serious long-term consequences for credit and financial standing
  • Website provides limited information about individual attorney credentials or client testimonials
  • Chapter 13 bankruptcy is described as longer and more complex with multi-year repayment commitment
  • No pricing or fee information disclosed on website content provided

State Consumer Finance Context

This is state-level context for Bankruptcy Services consumers in Dallas, TX. It does not confirm that Debtstoppers: Bankruptcy Law Firm - Dallas, TX or this specific location is licensed.

State regulator

Texas Office of Consumer Credit Commissioner

Consumer protection

Texas Attorney General Consumer Protection Division

Credit and debt help rules in Texas

Relevant law: Texas Credit Services Organization Act (Tex. Fin. Code Ch. 393 (§ 393.001 et seq.))

Registration: Required with Texas Secretary of State

Upfront fees: Listed as prohibited in the current CreditDoc state summary

  • Credit services organizations must provide consumers with a written contract before performing any services, detailing all terms and conditions
  • Prohibited from charging or collecting any fee or other consideration until the promised services have been fully performed
  • Must disclose all material terms in writing, including total cost, payment schedule, and estimated time to completion of services

Key state rules to check

  • Payday and auto title lenders operate as Credit Access Businesses (CABs) arranging loans through third-party lenders.
  • No state cap on CAB fees; effective APRs frequently exceed 500%.
  • Several cities (Austin, Dallas, San Antonio, Houston) have enacted local payday lending ordinances.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does Debtstoppers: Bankruptcy Law Firm - Dallas, TX offer?

Debtstoppers: Bankruptcy Law Firm - Dallas, TX offers 12 services including Chapter 7 bankruptcy filing and representation, Chapter 13 bankruptcy filing and representation, Free initial bankruptcy consultation with attorney, Means test evaluation and preparation, Credit counseling course assistance and coordination, and 7 more.

What profile signals are listed for Debtstoppers: Bankruptcy Law Firm - Dallas, TX?

Debtstoppers: Bankruptcy Law Firm - Dallas, TX has profile signals associated with Individuals with unmanageable unsecured debt (credit cards, medical bills, personal loans) seeking complete debt discharge, Texas residents facing wage garnishment, repossession, or other creditor collection actions, People with significant debt who can commit to Chapter 13's three-to-five-year repayment plan while retaining assets, Those who want attorney-led representation through entire bankruptcy process with state-specific exemption experience context.

What are the strengths and weaknesses of Debtstoppers: Bankruptcy Law Firm - Dallas, TX?

Key strengths: A+ rating from Better Business Bureau (confirmed on website); Free initial consultation with a qualified Texas bankruptcy attorney; Offers both Chapter 7 and Chapter 13 bankruptcy experience context tailored to Texas law. Areas to consider: Only offers bankruptcy solutions—no alternative debt relief, settlement, or credit repair services; Bankruptcy filing has serious long-term consequences for credit and financial standing.

How does Debtstoppers: Bankruptcy Law Firm - Dallas, TX compare to similar companies?

In the Bankruptcy Services category, comparable providers include Law Office of Matthew M. Cree, LLC, Sawin & Shea, LLC, The Law Office of Clark Daniel Dray. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
Dallas, TX
BBB Accredited
No
Visit Debtstoppers: Bankruptcy Law Firm - Dallas, TX

CreditDoc Profile Note

Research Note on Debtstoppers: Bankruptcy Law Firm - Dallas, TX

DebtStoppers is profile signals for Texas residents with significant unsecured debt who need attorney-led bankruptcy representation and want listed experience context in maximizing asset protection through Chapter 7 or Chapter 13 filings. The main caveat is that bankruptcy is a serious legal proceeding with lasting credit impact, and this firm exclusively handles bankruptcy—not alternative debt solutions—so clients must be committed to the bankruptcy path and its long-term consequences.

Profile Signals

  • Individuals with unmanageable unsecured debt (credit cards, medical bills, personal loans) seeking complete debt discharge
  • Texas residents facing wage garnishment, repossession, or other creditor collection actions
  • People with significant debt who can commit to Chapter 13's three-to-five-year repayment plan while retaining assets
  • Those who want attorney-led representation through entire bankruptcy process with state-specific exemption experience context
Updated 2026-05-08

Similar Companies

Law Office of Matthew M. Cree, LLC logo

Law Office of Matthew M. Cree, LLC

Indiana bankruptcy attorney Matthew M. Cree specializes in Chapter 7/13 filings, collections defense, and student loan resolution with direct client access throughout the process.

5.0/5

Google rating from 246 reviews

BBB: NR

Profile signals: Indiana residents facing Chapter 7 or Chapter 13 bankruptcy who want direct attorney communication and personalized guidance, Individuals being actively pursued by debt collectors who need immediate collections defense and rights protection

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Sawin & Shea, LLC logo

Sawin & Shea, LLC

Indianapolis-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings with 75+ years of combined experience. Offers free consultations and $0 down attorney fees.

4.9/5

Google rating from 269 reviews

BBB: NR

Profile signals: Individuals with significant unsecured debt (credit cards, medical bills) seeking complete elimination through Chapter 7, Homeowners or car owners facing foreclosure or repossession who want to keep assets through Chapter 13 reorganization

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The Law Office of Clark Daniel Dray logo

The Law Office of Clark Daniel Dray

Denver bankruptcy attorney Clark Dray offers Chapter 7 and Chapter 13 bankruptcy filing, estate planning, and probate services with free initial consultations.

5.0/5

Google rating from 12 reviews

BBB: NR

Profile signals: Denver-area residents with unsecured debt (credit cards, medical bills, payday loans) seeking Chapter 7 discharge, Homeowners facing foreclosure or with tax/child support arrears who need Chapter 13 reorganization

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Quick Summary

  • Debtstoppers: Bankruptcy Law Firm - Dallas, TX is listed as a Bankruptcy Services provider in Dallas, TX on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

Next Steps

Find contact or location Check phone, address, map, and website availability. Check specific services See whether the provider lists the help you need. Review fit context Use the quiz to compare category, service, and public-rating fields. Compare alternatives Review similar providers before making contact. Improve your position What Your Credit Score Actually Means: Number-by-Number Breakdown Learn the basics Start the free Credit Fundamentals course.

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Financial Terms Explained (14 terms)

New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.

How Loans Work

Default — Loan Default

When you fail to repay a loan according to the agreed terms — usually after 90-180 days of missed payments. It's the point where the lender gives up on collecting normally.

Why it matters

Default triggers severe consequences: credit score drops 100+ points, the debt may be sent to collections, you could be sued, and your wages or assets could be seized.

Example

You miss 4 consecutive car payments. The lender declares your loan in default, repossesses your car, sells it at auction for $8,000, and you still owe the remaining $5,000 (called a deficiency balance).

Legal Terms

CFPB — Consumer Financial Protection Bureau

A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.

Why it matters

The CFPB is your most powerful ally against high-cost lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.

Example

A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.

FDCPA — Fair Debt Collection Practices Act

A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and are required to stop contacting you if you request in writing.

Why it matters

Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you may have a right to sue for up to $1,000 per violation plus attorney fees.

Example

A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.

Garnishment — Wage Garnishment

A court order that requires your employer to withhold part of your paycheck and send it directly to a creditor. Usually happens after a creditor sues you and has obtained a judgment.

Why it matters

Federal law limits garnishment to 25% of disposable income. Some states have lower limits. Student loans and taxes can be garnished without a court order.

Example

You owe $8,000 on a defaulted credit card. The bank sues, gets a judgment, and garnishes your wages. On a $3,000/month net paycheck, they take $750/month until the debt is paid.

Statute of Limitations — Statute of Limitations (Debt)

A time limit (typically 3-6 years, varies by state) after which a creditor can no longer sue you to collect a debt. The debt still exists, but they lose the legal power to force payment.

Why it matters

Knowing your state's statute of limitations prevents you from being tricked into paying debts that are legally uncollectable. Beware: making a payment can restart the clock.

Example

You have a $3,000 credit card debt from 2019. Your state has a 4-year statute of limitations. In 2024, a collector calls demanding payment. The statute has expired — they cannot sue you.

Debt & Recovery

Chapter 13 Bankruptcy — Chapter 13 Bankruptcy (Reorganization)

A type of bankruptcy where you keep your assets but follow a court-approved 3-5 year repayment plan to pay back some or all of your debts. Stays on credit for 7 years.

Why it matters

Chapter 13 may be more relevant than Chapter 7 if you have a home or assets you want to keep. It can stop foreclosure and let you catch up on mortgage payments over 3-5 years.

Example

You're 3 months behind on your mortgage and have $30,000 in credit card debt. Chapter 13 stops foreclosure and puts you on a 5-year plan: you pay $600/month to catch up on the mortgage and pay 40% of the credit card debt.

Chapter 7 Bankruptcy — Chapter 7 Bankruptcy (Liquidation)

A type of bankruptcy that wipes out most unsecured debts (credit cards, medical bills) by liquidating non-exempt assets. It stays on your credit for 10 years.

Why it matters

Chapter 7 gives you a fresh start but at a steep cost: 10 years on your credit, difficulty getting loans, and you may lose assets. Income is generally required to be below your state's median to qualify.

Example

You have $45,000 in credit card debt and earn $35,000/year. Chapter 7 erases the debt. You keep exempt property (basic car, household items). Your score drops to ~500 but you're debt-free.

Charge-Off

When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.

Why it matters

A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.

Example

You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).

Collections — Debt Collections

When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.

Why it matters

Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.

Example

An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.

Debt Consolidation

Combining multiple debts into one single loan with one monthly payment, ideally at a lower interest rate. It simplifies repayment and can reduce total interest.

Why it matters

Consolidation is generally most useful when you get a lower rate than your existing debts. But it doesn't reduce what you owe — and extending the term can mean paying more total interest.

Example

You have: $5,000 at 22% (credit card), $3,000 at 18% (store card), $2,000 at 25% (payday loan). A $10,000 consolidation loan at 11% saves you ~$2,100 in interest over 3 years.

Debt Settlement — Debt Settlement / Negotiation

Negotiating with creditors to accept less than the full amount you owe — typically 40-60 cents on the dollar. Usually done after you've already fallen behind on payments.

Why it matters

Settlement can save thousands, but it severely damages your credit (settled accounts show for 7 years) and the IRS may tax the forgiven amount as income.

Example

You owe $15,000 on a credit card and negotiate a settlement of $7,500 (50%). You save $7,500 but: your credit drops 100+ points, the account shows 'settled' for 7 years, and you may owe taxes on the $7,500 forgiven.

DTI Ratio — Debt-to-Income Ratio

The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.

Why it matters

Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.

Example

You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.

Judgment — Court Judgment (Debt)

A court ruling that says you legally owe a specific amount to a creditor. It gives the creditor power to garnish wages, freeze bank accounts, or place liens on your property.

Why it matters

Judgments are enforceable for 10-20 years (varies by state) and can be renewed. They give creditors far more collection power than a simple unpaid debt.

Example

A credit card company sues you for $8,000 and has obtained a judgment. They can now garnish 25% of your paycheck ($750/month on a $3,000 net salary) and freeze your bank account.

Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.

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