Overwhelmed by debt in Houston or McAllen? In 2026, Chapter 7 bankruptcy remains the most effective path to a fresh start, allowing families to wipe out medical bills and credit card debt in as little as 4 months. Learn about the 2026 Texas Means Test limits, which assets you can keep under generous Texas exemptions, and how the bilingual team at The Daniels Legal Group PLLC stops creditor harassment immediately