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Amarillo Bankruptcy Attorney
Chapter 7 & 13

"David was a pleasure to work with. I had a little business that grew too quickly, and I had to declare bankruptcy. He took his time with me and made me feel at ease during the entire procedure." C. Janzen, Amarillo, TX

"David did a great job on my husband's bankruptcy. He resolved years of IRS tax problems and helped him close his business and get his debts taken care of.   He even knew about forms for the IRS that our accountant didn't know about." S. Stroud , Dalhart, TX

Attorney David Enos can assist you if you are having financial difficulties and need to consult with an Amarillo bankruptcy lawyer. Mounting debts, foreclosure and harassing phone calls from creditors are a nightmare.  You need an attorney who is both skilled and experienced on your side. Our bankruptcy law firm in Amarillo can talk to you about your financial circumstances and identify the best strategy to solve your debt problems.


We will inform you of all of your options and represent your interests in court.  David Enos will help move you towards a better future that is free of debt, and show you how to avoid facing a similar situation again . It all begins by calling our office for a free bankruptcy consultation with Amarillo Lawyer David Enos.  Let us explain how bankruptcy can help you overcome the financial difficulties you face.

Bankruptcy Chapters


Most people think of bankruptcy as a process in which you go to court and get your debts erased. But in fact, there are two types of bankruptcies: the more familiar liquidation bankruptcy, where your debts are wiped out completely (Chapter 7 bankruptcy) and reorganization bankruptcy, where you partially or fully repay your debts. (Chapter 13 bankruptcy.)

Chapter 7


Your unsecured dischargeable obligations will be canceled and wiped away in a Chapter 7, allowing you to actually "start over" debt-free! Credit cards, medical bills, personal loans, and department store charges  can be discharged in an Amarillo Chapter 7 bankruptcy. Vehicle loans and mortgages can be handled in one of two ways: you can maintain the collateral, such as your car or home, and pay the obligation as if you hadn't filed bankruptcy, or you can surrender the collateral and have the debt discharged.  The choice is up to you.


See our Chapter 7 bankruptcy page for more information.

Chapter 13 


Individuals can use Chapter 13 to reorganize their debts. When you file Chapter 13 bankruptcy in Amarillo, your debts are consolidated and lowered to a single monthly payment that you can manage based on your monthly disposable income, while allowing you to catch up on any missed payments on your home or vehicle while retaining your home or vehicle. The best part is that a Chapter 13 bankruptcy will prohibit your house from being foreclosed on and allow you to catch up on your back payments over the course of 3 to 5 years. Your unsecured obligations, such as credit cards, medical bills, and personal loans, are paid depending on what you can afford after you've paid off everything else, which for most people in Amarillo is close to zero. The leftover balance is then discharged and completely erased!   Chapter 13 is not available to partnerships or corporations. But a person who has a small unincorporated business may file Chapter 13 bankruptcy. Before you file for Chapter 13 bankruptcy, it’s important to discuss your particular financial situation with an experienced Amarillo bankruptcy attorney to make sure it’s the best legal option for your needs.


See our Chapter 13 bankruptcy page for more information.

Peace of Mind

There is a common misunderstanding that hiring an bankruptcy attorney may place you under an additional financial burden. The truth is that filing for bankruptcy is not a straightforward process. Many people have actually lost assets through mistakes or representation by inexperienced lawyers who put them in a worse financial situation than when they started. Getting the right representation means that you are getting an experienced and knowledgeable attorney available to you to protect your interests so you can ease your debt and rediscover peace of mind.

What my Amarillo Bankruptcy law office brings to you are several important assets that will provide you with the information, experience, knowledge and trust that will help you overcome your current financial difficulties. In this website I go over the basic information about what filing for bankruptcy is, the different chapters of bankruptcy you can file for, and general information about what options many people have when they are in financial distress.

However, your individual situation is going to be different in some way and bankruptcy assistance will need to be tailored to your specific needs. Give me a call for a free lawyer consultation before you take any action and let me show you how I can help with your bankruptcy. Here are a few general services that I provide to my clients.


An informed client will make the best decisions regarding bankruptcy given the current situation. Most clients only have a vague idea of what bankruptcy law is all about. They know that it can help them erase debt, but they are not fully aware of the consequences and their options.  We will show you the advantages and negatives of bankruptcy, and explain how the various possible strategies we can adopt will affect your financial condition.  This will arm you with all of the knowledge you need in order to make the best decision possible for your Amarillo bankruptcy and understand how to avoid another financial crisis.


Having an experienced bankruptcy attorney working for you not only brings peace of mind; it also means that you have a person with the knowledge and experience to help you avoid making simple mistakes that might put you in a worse financial situation. At my bankruptcy law office, our 25 years of experience is key in getting my clients the best results possible. Let me show you what I can do.


We can answer your questions, listen to your concerns and give you the best representation, and most accurate information possible when you need it. At our bankruptcy law firm, We are here for you. Bankruptcy may not be the right decision for every person. So if you have a question or concern, feel free to call us so that we can provide the answers quickly and confidently.

Our bankruptcy office is very experienced with the bankruptcy laws in Texas and we will help you prepare your petition, file it with the courts, communicate with your assigned trustee, and appear with you at your Meeting of the Creditors. We will help you prepare and submit any additional documentation required from the point you file for bankruptcy until your case is discharged. Bankruptcy is a complicated process. Allow us to assist you and guide you professionally and humanely through these tough financial times.

At the Law Offices of David Enos, Attorney at Law, we represent clients located throughout the Texas Panhandle, including the communities of Amarillo, Canyon, Hereford, Childress, Pampa, Dumas, Dalhart, Borger, Clarendon, Plainview and Vega. We also represent clients in other communities in Randall County, Armstrong County, Potter County, Carson County, Moore County, Gray County, Hutchinson County and Ochiltree County.

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