Business Details
18 Years
experience
Your Trusted Bankruptcy Attorney in Longview, Texas
Cross Stone Law is a dedicated bankruptcy law practice serving individuals and small businesses in Northeast Texas. With over 35 years of legal experience, including service in the U.S. Air Force JAG Corps and private practice since 1993, we specialize in guiding clients through Chapter 7, Chapter 13, and small business bankruptcy proceedings. Our approach prioritizes personalized attention, strategic debt relief planning, and compassionate support to help clients rebuild financial stability.We maintain active involvement in professional organizations like the National Association of Consumer Bankruptcy Attorneys and Texas Bar Association while offering virtual services for client convenience. Our practice philosophy emphasizes ethical representation, prompt communication, and tailored solutions for each client's unique circumstances.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Small Business Bankruptcy
Debt Restructuring
Asset Protection
Details
- Year established: 2008
Highlights and features
- 35+ years of specialized bankruptcy law experience
- Personalized case management with attorney involvement
- Virtual services for client convenience
- Proven track record in asset protection strategies
- Active participation in bankruptcy law professional organizations
Associations and certifications
- National Association of Consumer Bankruptcy Attorneys
- Bankruptcy Section of the Texas Bar Association
- Texas Bar College
What people say
35+ years experience
Personalized case management
Effective debt solutions
Compassionate representation
Successful outcomes
Services
Chapter 7 Bankruptcy
Chapter 7 Bankruptcy eliminates unsecured debts like credit cards and medical bills through asset liquidation exemptions. This 90-day process benefits clients seeking quick debt relief while retaining essential assets. Our experienced attorneys guide clients through qualification requirements and property protection strategies.
Chapter 13 Bankruptcy
Chapter 13 Bankruptcy restructures debts into manageable payments over 3-5 years. Ideal for clients facing foreclosure or tax arrears, this option allows debt catch-up while maintaining property ownership. We help develop customized payment plans approved by the bankruptcy court.
Small Business Bankruptcy
Small Business Bankruptcy solutions include Chapter 7 liquidation or Chapter 11 reorganization options. We assist business owners with debt restructuring, personal guarantee protection, and operational restructuring strategies tailored to corporate structure and financial circumstances.
Debt Restructuring
Debt Restructuring services create sustainable payment plans for unmanageable obligations. Through bankruptcy or alternative solutions, we negotiate with creditors to reduce payments, eliminate penalties, and establish realistic repayment timelines while protecting client assets.
Asset Protection
Asset Protection strategies safeguard essential property during bankruptcy proceedings. Our expertise maximizes exemption utilization to protect homes, vehicles, and retirement accounts while achieving debt relief objectives through strategic case planning.
People
Carol Cross Stone
Bankruptcy Attorney
Carol Cross Stone is a bankruptcy attorney with 35+ years of experience, serving East Texas since 2008. A former Air Force JAG officer and Mississippi Gulf Coast practitioner, she specializes in individual and small business bankruptcy solutions after Hurricane Katrina relocation.
Questions
What bankruptcy options are available for individuals?
Chapter 7 eliminates unsecured debts quickly, while Chapter 13 restructures payments over 3-5 years. We help determine which option best fits your financial situation.
Can I keep my home and car during bankruptcy?
Most clients retain essential assets through proper planning. Chapter 7 typically protects basic property, while Chapter 13 allows payment catch-up on secured debts.
How does bankruptcy affect credit scores?
While initially impacting credit reports for up to 10 years, bankruptcy often enables faster credit rebuilding by eliminating overwhelming debt burdens.
What are the costs for bankruptcy services?
Chapter 7 averages $2,000+ filing fees, while Chapter 13 starts at $5,000. We provide transparent pricing during initial consultations based on case complexity.
Do you offer virtual consultations?
Yes, we provide virtual services for client convenience, including Zoom meetings for case discussions and bankruptcy proceedings.
