Jackie Riemenschneider-McCrary, Bankruptcy Attorney
to schedule a FREE consultation
(One free, scheduled consultation must be in regards to Chapter 7 Bankruptcy only, in person or by phone, during normal business hours, and scheduled in advance.)
Chapter 7 Only
Located in NEW BRAUNFELS
Over 17 Years Experience in Bankruptcy Law
Jackie L. Riemenschneider-McCrary
B.A., M.A., J.D.
Licenses: State Bar of Texas (Since 2004), Northern District of Texas,
Western District of Texas
Free Consultation by Appt. Only
(for potential Bankruptcy Clients only)
Let me help you get out of debt for good.
Read Former Client Reviews on avvo.com
I am a private attorney, who practices primarily bankruptcy law because I enjoy helping people get out of debt.
I have lived and work in New Braunfels.
My office is NOT a satellite.
I opened my current office in January 2009.
Whether you are in debt due to COVID, bad decisions, the new credit card policies, medical bills, divorce, job loss, or have simply gotten in over your head, I will meet with you, listen to you and tell you the following:
Can you file for bankruptcy?
Should you file for bankruptcy?
What could you lose if you file (if anything)?
What will it cost to file?
What other options do you have?
Frequently Asked Questions About Bankruptcy
1. What should I expect at the initial consultation?
At the initial consultation, I review a person’s financial situation to determine if he/she can file a Chapter 7/13 bankruptcy, if he/she should file a Chapter 7/13 bankruptcy and what issues may cause a trustee to object to his/her bankruptcy. I also want to determine if the debtor has any property which may not be exempted in the bankruptcy.
2. What should I bring?
A general list of all debts and assets (house, land, vehicles)
For secured debts(debts with collateral), know the full balance owed, the monthly payment and the estimated value
If employed, (or if your spouse is employed), please bring a couple of months of paystubs. If not employed, please know the average monthly gross and net income for the household
3. How long will the initial consultation take?
Please plan on 1 hour.
4. Will I be expected to pay anything or sign a contract?
No. If I determine that you are eligible to file a Chapter 7 (meeting all legal requirements) AND if I determine that filing a Chapter 7 bankruptcy would be in your best interest, I will quote you a fee for what I would charge to complete and file your bankruptcy. I will also tell you how much is required as a retainer and explain how my legal agreement and payment plan works. Whether you file bankruptcy or choose to hire me is completely your decision. Some clients prefer to pay a retainer immediately and get started on the process, while others prefer to think it over and reschedule.
5. Will I be required to pay for the bankruptcy in full before I file?
Yes, for Chapter 7 bankruptcies. Otherwise, I would become a creditor. However, I do not expect my clients to be able to pay in full when they sign the contract. I work with each client’s individual situation and let clients develop a payment plan that works with their budget.
6. If I can’t afford my bills, how can I afford to pay an attorney?
Once a client decides to file a Chapter 7 bankruptcy (and I have determined that the client can file) the client stops paying towards all unsecured debts or any debts that will be discharged in the bankruptcy. Stopping these payments usually frees up some income that may be diverted toward the bankruptcy fees.
7. What happens while I am paying towards my bankruptcy?
As soon as my clients have paid a retainer, I am their attorney and I field collection agency calls for them. I also provide my clients with an instructional video to help in completing all the necessary paperwork, and if necessary, I also help my clients complete the paperwork by answering questions by phone, by email or in person. Unlike with some bankruptcy attorneys, I do NOT charge extra fees to answer my clients’ questions throughout the process.
8. How long does a Chapter 7 Bankruptcy take?
From the date of filing, a Chapter 7 Bankruptcy, with no objections or issues, takes about 3 and a half to 4 months.
From the date of filing, a Chapter 13 may take 36 to 60 months (3 to 5 years).
9. Will I be required to go to court?
Normally, but due to COVID-19, hearings are currently being held by telephone. You will be required to attend an informal hearing (now by phone), known as the 341 First Meeting of Creditors, which takes place in front of a trustee assigned to your case. The average Chapter 7 Bankruptcy hearing takes about 5 minutes (the average Chapter 13 takes about 12 minutes) , and it is usually a simple process of verifying the information you provided in your schedules. It is nothing to be nervous about, and I sit next to my clients during the hearing providing any help or guidance they might need. The Chapter 7 341 hearings take place in room 333 of the US Post Office and Federal Court Building located at 615 E. Houston Street, San Antonio, Texas 78205.
10. Will I lose any property when I file bankruptcy?
It depends on what you own and whether your property is protected by exemptions. After assessing a client’s assets, I can usually determine if he/she would be in danger of losing anything in the bankruptcy. There are two types of exemptions, state and federal, which usually work to protect most, if not all, of a client’s property. Many factors have to be considered. For example, depending on the value, the date of purchase and the equity, a client is usually allowed to exempt one homestead property.
11. Can I pick and choose what I include in the bankruptcy?
No, bankruptcy is based on full disclosure of all income, debt and assets, which means ALL creditors must be listed. On secured items, you may choose to keep or surrender the collateral. If you choose to keep the collateral, you will continue to pay for the item, You may enter into a reaffirmation agreement, or redeem the item for the fair market value. If you surrender the collateral, you would not be responsible for any more payments or any deficiencies. For unsecured debt, you have to list every debt that you owe, whether it is dischargeable or not. You may keep and continue to use a debit card.
12. Is it better to do a debt consolidation plan than file a bankruptcy?
Probably not. The problem with a debt consolidation plan is that the process is equally damaging to a credit score, while not providing the full relief from the debt which one receives from a Chapter 7 Bankruptcy. The debt-consolidation process is also longer with no set date of closure. My clients who filed a Chapter 7 Bankruptcy are usually already on the way to rebuilding their credit while a person in debt consolidation is still struggling to pay unsecured debt and sitting on bad credit.
Jackie was born in Corpus Christi, Texas, and grew up in Miamisburg, Ohio; Brandon, Florida and Bedford, Texas. She moved to Lubbock, Texas to attend Texas Tech University in 1990.
During her undergraduate years at Tech, she was in the Goin' Band (Flag Corp), a Miller Girl, a member of Omicron Delta Kappa Honor Fraternity, Golden Key Honor Society, and President of the German Honor Society, Delta Phi Alpha. In May 1994 she received a double Bachelor's Degree in German and English.
She also spent two summers in Europe. The first summer was primarily spent in Graz, Austria. During the second summer she had the opportunity to live with a family from the former Eastern Germany, where she spent six weeks in a tiny village about an hour from Berlin.
During graduate school, she taught freshman and sophomore level German courses. In 1996, she earned her Master's Degree in German with a Master's Minor in English. She then taught German as an Instructor at Texas Tech University while completing her education courses in the evenings.
She earned her teaching certificate by completing an internship and teaching in Lockney, Texas. She also taught English at Monterey High School in Lubbock, Texas for two years, and she taught German at Coppell High School in Coppell, Texas for one year.
She took the LSAT on a whim, and then decided to leave her career of teaching and become a lawyer when she was offered a full scholarship to Texas Tech School of Law. During law school, she was a member of the Board of Barristers, Administrative Law Journal, Phi Alpha Delta, and Phi Delta Phi. She was also employed as a law clerk by the Texas Criminal Defense Lawyers Association and the Law Office of Walker Metcalf. In addition, she taught an LSAT prep course for GetPrepped! during her third year at law school, and she continued to teach and tutor for the company until 2010.
After becoming an attorney in 2004, she worked as an associate for late Walker Metcalf and later at a law firm in Plainview, Texas where she primarily practiced criminal defense and bankruptcy.
In July 2006 she moved to Lamesa, Texas, where she opened a private general practice law firm and worked briefly as an Assistant DA.
In April 2008, she moved to the Hill Country and worked as an Assistant DA (felony prosecutor) in Seguin, Texas for Guadalupe County until the end of the year.
Since January 2009, she opened her own law practice, where she primarily practices Chapter 7 Bankruptcy for individuals and small businesses. She has successfully filed over 700 bankruptcies in the Western District of Texas (San Antonio and Austin Divisions.
She became an avid runner after running the local turkey trot in 2010. Now, she regularly run races from 5Ks to full marathons. Since 2015 she has run over 26 marathons, including the Boston Marathon (2017 & 2020), the New York Marathon (2017) and the Chicago Marathon (2018). She belongs to the local running club and continues to train and run in as many races as she can.
This Law Office is a Debt Relief Agency.
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267 West Mill Street
New Braunfels, TX 78130