Most pleasant time working with Mr. Soria. Very kind and helpful. He helped me in 2020 and now in 2025 I needed documents and he was right there to help me out. If you need an awesome Bankruptcy Lawyer give him a call. You will not be disappointed. Thank you again Mr. Soria.
I can’t say enough good things about Jose Soria! You can tell right away that he’s been doing this for a long time. He knows the courtroom inside and out. What really impressed me was how all the judges and other attorneys seem to know and respect him which was reassuring. Most importantly, he genuinely cares about his clients. If you’re looking for a bankruptcy lawyer in San Antonio who combines real experience with a heart for helping people, Jose is your guy!
He was on point. I sat with him and discussed how I got here. He said something I will never forget. He is a man first who also happens to be a lawyer. I gave him my money, post haste! So, try him out… tell him your story and I think you will feel safe.
Jose Soria is an honest, helpful Lawyer. I got immediate help and heartfelt advise from him. He is very professional and extremely knowledgeable. I highly recommend him, he should be your first call.
Jose Soria truly cares about his clients and goes above and beyond for them. He makes the legal process seamless and stress free. Also, he’s very experienced so you can tell he’s really comfortable in the courtroom. If you need a Bankruptcy attorney, he’s the one!
I just want to thank Attorney Jose Soria. He was a blessing and very professional. I was referred to him for a Chapter 13 Bankruptcy case. He was honest about my situation and helped me with advice on what I should do. I didn’t need to file another bankruptcy, and he advised me to contact my mortgage company. Instead of taking my money, he was very knowledgeable and professional. You don’t find people like him very often anymore. If you need a bankruptcy attorney who is honest and professional, I highly recommend Mr Soria. Thank you, Mr Jose Soria, you have been a blessing to our family. We have been able to keep our vehicle and home.
Was very helpful and explained my options very well.
Good Lawyer I’ll recommend for divorce, bankruptcy, etc..
Honesty
When Bills Exceed Your Ability to Pay
If you’re drowning in credit card debt, facing medical bills from an unexpected illness or injury, or experiencing constant creditor harassment, our San Antonio Bankruptcy Lawyer, Jose Soria, can provide immediate relief. When monthly payments consume most of your income and balances keep growing despite your efforts, it’s time to consider a fresh start that eliminates these burdens permanently.
When Life Events Destroy Your Finances
Major life disruptions like job loss, divorce, or reduced income can instantly transform manageable debt into an impossible burden. When circumstances beyond your control have created financial chaos that threatens your family’s stability, help from our experienced bankruptcy attorney and team offers a legal pathway to rebuild and protect what matters most to your future.
When Creditors Threaten What You Own
If you’re facing foreclosure threats on your home, wage garnishment from your paycheck, bank account seizures, or business failure affecting your personal finances, immediate action is crucial. Our firm is home to an experienced San Antonio Bankruptcy Lawyer who can immediately stop these collection actions, providing you with breathing room to reorganize your finances and safeguard your essential assets under Texas law.
When crushing debt threatens your future, you need a bankruptcy attorney who understands your struggle and knows how to protect what matters most. We help San Antonio families and businesses eliminate debt and rebuild their financial lives.
100% Bankruptcy Practice – Unlike general practice attorneys, we focus exclusively on bankruptcy law. This specialized expertise means you get a bankruptcy attorney from San Antonio who knows every nuance of the bankruptcy code and local court procedures.
Former Attorney General’s Office Experience – Attorney Jose Soria brings 20+ years of courtroom experience and deep legal knowledge to protect your interests throughout the bankruptcy process.
Bilingual Attorney – Fluent Spanish and English services ensure clear communication about your complex financial situation. Se Habla Español.
Transparent Flat Fees – No surprise billing. You’ll know exactly what your bankruptcy will cost upfront, with affordable payment plans available.
Free Consultation – Discuss your options with no obligation. We’ll review your debts, income, and assets to determine the best path forward.
Overwhelming debt doesn’t have to control your life. Whether you’re drowning in credit card bills, facing medical debt from an unexpected illness, or struggling to keep up with monthly payments, bankruptcy may be the fresh start you need to protect your family’s future.
If you qualify, Chapter 7 can completely eliminate most unsecured debts in just 3-4 months, including:
Most people keep their home, car, and essential belongings through Texas’s generous exemption laws.
Chapter 13 creates a manageable 3-5 year payment plan that allows you to:
Don’t let another sleepless night pass worrying about money. Our proven system and experienced attorney will guide you through every step, ensuring you understand your options and feel confident about your financial future.
Your small business represents years of hard work, dreams, and sacrifice. When cash flow problems, unexpected expenses, or economic downturns threaten everything you’ve built, you need an experienced San Antonio business bankruptcy lawyer who understands both business challenges and legal solutions – whether that’s saving your business through reorganization or closing with dignity while protecting your personal assets.
When continuing operations isn’t viable, Chapter 7 provides an orderly business closure that:
If you operate as a sole proprietorship, Chapter 13 can help you:
Most people don’t realize they can keep their home during bankruptcy. Texas offers some of the strongest homestead protections in America, shielding your primary residence regardless of its value. If you’re behind on payments, Chapter 13 can stop foreclosure immediately and create an affordable plan to catch up.
Texas exemptions allow you to protect one vehicle per licensed driver in your household, plus essential personal property like household goods, clothing, and work tools. Most clients are surprised to learn that they can keep their car, furniture, and other essential belongings during bankruptcy. Our team will review your specific assets and show you exactly what’s protected under Texas law, ensuring you keep everything essential for your family’s daily needs.
Federal law requires all creditor contact to stop the moment we file your bankruptcy case. No more threatening phone calls, scary letters, or collection agency harassment. You’ll finally have peace of mind while we resolve your debt crisis legally and permanently.
Filing for bankruptcy creates an “automatic stay” that immediately stops all pending lawsuits, wage garnishments, and collection actions against you. No more surprise court papers or sheriff visits to your workplace or home. Once we file your case, creditors must deal with the bankruptcy court instead of pursuing you directly, giving you complete protection from legal harassment.
Wage garnishment can take up to 25% of your paycheck, making it impossible to cover basic living expenses. Filing for bankruptcy immediately stops all wage garnishments through the automatic stay protection. You’ll keep your entire paycheck while we eliminate the underlying debts, giving you the financial breathing room needed to rebuild your life.
Frozen bank accounts can trap your money when you need it most for rent, groceries, and essential expenses. Filing for bankruptcy immediately stops account seizures and can help unfreeze already frozen accounts through the automatic stay. You’ll regain access to your funds and protection from future account freezes while we resolve your debt issues permanently.
The burden of financial trouble befalls people in many forms. In addition, there are psychological, emotional, and financial burdens keep you up at night and make you wonder if life will ever be the same again. We can help. Chapter 7 completely eliminates most unsecured debts like credit cards, medical bills, and personal loans in just 3-4 months. Chapter 13 reorganizes your debts into one manageable monthly payment, often reducing what you owe by 70-80%. Either way, you get real relief from overwhelming financial burdens.
Bankruptcy gives you the fresh start you need to rebuild your financial life on solid ground. Most clients see their credit scores improve within 12-24 months as old debts disappear. With proper guidance, you can qualify for car loans, mortgages, and credit cards sooner than you think.
How much does this cost?
Bankruptcy costs vary based on the type of Bankruptcy you file. The cost will include a court filing fee, an attorney fee, and possibly a payment fee mandated by the court. When you work with us, we provide up-front, flat-fee pricing, so you’ll never have to guess about your attorney fees. We aim to provide financial freedom for your future, and knowing what expenses to expect is the first step.
Will I lose all of my property?
No. Texas law and federal law provide a list of exemptions of property that you cannot lose during bankruptcy. When you work with us, we’ll help you define a strategy that works best for you! Schedule a consultation today!
Will bankruptcy destroy my credit rating?
No. While bankruptcy initially impacts your credit score, most clients see improvement within 12-24 months. Chapter 7 stays on your credit report for 10 years, Chapter 13 for 7 years, but you can begin rebuilding immediately. Many clients qualify for car loans within months and mortgages within 2-3 years. Eliminating debt often improves your credit faster than struggling with minimum payments. Speak with our expert bankruptcy attorney to make a debt plan!
Can I file bankruptcy if I have a job?
Absolutely. Having income actually helps your bankruptcy case. In Chapter 7, we use the “means test” to determine eligibility based on your income and expenses. Most working families qualify. In Chapter 13, steady income is required to create a payment plan. Employment shows the court you’re committed to financial responsibility.
Will I lose my house in bankruptcy?
Most people keep their homes in bankruptcy. Texas offers one of the most generous homestead exemptions in the country, protecting your primary residence regardless of value. In Chapter 7, you can keep your home if you’re current on payments. In Chapter 13, we can actually stop foreclosure and create a plan to catch up on missed mortgage payments while keeping your house. Contact our experienced San Antonio bankruptcy lawyer to understand your options.
What happens to my business if I file personal bankruptcy?
It depends on your business structure. If you’re a sole proprietor, business debts are personal debts. If you have an LLC or corporation, your business may not be affected. Our business bankruptcy lawyer can also file for business bankruptcy separately if needed. Many clients continue operating their businesses successfully after personal bankruptcy.
Can I file bankruptcy more than once?
Yes, but there are time limits. You can file Chapter 7 again after 8 years from your previous Chapter 7 filing, or 6 years from a previous Chapter 13. You can file Chapter 13 after 4 years from a previous Chapter 7, or 2 years from a previous Chapter 13 (if you paid creditors in full). Multiple filings require careful timing and strategy.
What should I bring to my consultation?
Bring recent pay stubs, tax returns, bank statements, debt statements, and any legal documents like foreclosure notices or garnishment papers. Don’t worry if you don’t have everything – we can work with what you have and help you gather missing documents. The most important thing is to schedule your consultation quickly if you’re facing a financial crisis.
What paperwork do I need to begin?
We have a proven process that will you streamline the bankruptcy process. The paperwork you’ll need to start gathering is: a list of your debts both past and current, a list of all of your assets, and a list of all your financial transactions and affairs.
Will my job be affected?
No. It is unlawful for an employer to fire you, discriminate against you, give you less responsibility, refuse your application, or discharge you due to filing bankruptcy.
What do I do if I’ve been threatened with foreclosure?
Act immediately – foreclosure can occur in as little as 21 days in Texas, but filing Chapter 13 bankruptcy creates an automatic stay that immediately stops foreclosure proceedings. This gives you breathing room to catch up on missed payments through a manageable 3-5 year payment plan that often saves your home from foreclosure. We can also explore alternatives, such as loan modifications, short sales, or deed-in-lieu arrangements, depending on your specific situation. The key is speed – the sooner you call, the more options we have to protect your home. Contact our San Antonio Bankruptcy Lawyer today at (210) 549-8049 for an emergency 1 on 1 consultation.
What debts can be eliminated in bankruptcy?
Chapter 7 eliminates most unsecured debts, including credit cards, medical bills, personal loans, utility bills, payday loans, and old tax debt. Chapter 13 can eliminate these same debts and also assist with secured debts, such as mortgages and car loans. Certain debts, such as recent taxes, student loans, child support, and criminal fines, typically cannot be discharged.
Will my employer find out I filed bankruptcy?
Generally, no. Bankruptcy filings are public records, but employers rarely check unless you work in finance or have security clearance. If you have a wage garnishment, your employer will be notified to stop. Most clients file bankruptcy without their employer ever knowing.
How long does the bankruptcy process take?
Chapter 7 typically takes 3-4 months from filing to discharge. You’ll attend one brief meeting with the trustee, and in most cases, the process will proceed smoothly. Chapter 13 involves a 3-5 year payment plan, but you get immediate protection from creditors when you file. The actual time commitment is minimal, typically consisting of just a few meetings throughout the entire process.
Can I choose which debts to include in bankruptcy?
No, you must list all debts and assets honestly. However, you can choose to continue paying certain debts if you wish (such as a car loan to keep your vehicle). We’ll help you understand which debts will be eliminated and which you might want to continue paying based on your goals.
What’s the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 is debt elimination – it wipes out most unsecured debts (credit cards, medical bills, personal loans) in 3-4 months with no payment plan required. You keep exempt property but may lose non-exempt assets. Chapter 13 is debt reorganization – you keep all your property but pay creditors through a court-approved 3-5 year plan, often for much less than you owe. Chapter 7 works best if you have limited income and want a quick fresh start. Chapter 13 is ideal if you have steady income, want to save your home from foreclosure, or have too much income to qualify for Chapter 7. We’ll analyze your situation to determine which option gives you the best outcome.
6800 Park Ten Blvd. STE 222N
San Antonio, Texas 78213
6800 Park Ten Blvd. STE 222N
San Antonio, Texas 78213
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