Business Details
18 Years
experience
Bankruptcy Solutions in Longview, Texas
Cross Stone Law specializes in individual and small business bankruptcy solutions with over 35 years of dedicated legal experience. Our practice focuses on providing personalized guidance through complex financial challenges, helping clients regain control of their futures. We combine deep expertise in bankruptcy law with a commitment to compassionate client service, offering both in-person and virtual consultations. Our founder, Carol Cross Stone, brings extensive background from private practice and military service, ensuring every case receives direct attorney involvement.We prioritize transparency, ethical representation, and practical solutions tailored to each client's unique circumstances. Our approach emphasizes early consultation to develop strategic debt management plans, while our operational history demonstrates resilience through both personal and professional challenges. We serve clients across East Texas with a focus on delivering reliable legal counsel that empowers financial recovery.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Small Business Bankruptcy
Medical Debt Relief
Foreclosure Prevention
Tax Debt Solutions
Student Loan Bankruptcy
Solar Panel Loan Relief
Wage Garnishment Protection
Property Preservation
Details
- Year established: 2008
Highlights and features
- 35+ years of dedicated bankruptcy law experience
- Direct attorney involvement in every case
- Personalized debt relief strategies for East Texas residents
- Comprehensive guidance through all bankruptcy chapters
- Proven track record in complex debt restructuring cases
Associations and certifications
- National Association of Consumer Bankruptcy Attorneys
- Bankruptcy Section of the Texas Bar Association
- Texas Bar College
- Gregg County Bar Association
- Texas Bar Association
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy eliminates unsecured debts like credit cards and medical bills through asset liquidation. This fast, cost-effective solution stops creditor harassment within 90 days. Most clients retain essential assets through exemptions, making it ideal for those with limited income and significant unsecured debt.
Chapter 13 Bankruptcy
Chapter 13 restructures debt through 3-5 year repayment plans, helping clients catch up on mortgages and protect assets. This option suits those with regular income who need to preserve property. Court-approved plans distribute payments to creditors while providing debt relief and financial stability.
Small Business Bankruptcy
Tailored solutions for business debt include Chapter 7 liquidation for closing businesses and Chapter 11 reorganization for ongoing operations. We help sole proprietors and corporations navigate debt restructuring while protecting personal assets. Our expertise covers business closure strategies and debt forgiveness options.
Medical Debt Relief
Medical debt discharge through bankruptcy stops collection actions and eliminates overwhelming healthcare bills. We help clients evaluate whether Chapter 7 immediate relief or Chapter 13 structured repayment better suits their financial situation, providing comprehensive solutions for medical debt challenges.
Foreclosure Prevention
Bankruptcy stops foreclosure sales and allows mortgage arrears repayment through Chapter 13 plans. We help homeowners preserve equity while restructuring other debts. Our approach combines legal protection with long-term financial planning to help clients maintain home ownership.
People
Carol Cross Stone
Bankruptcy Attorney
With 35+ years of legal experience, Carol Cross Stone specializes in bankruptcy law after serving in the Air Force JAG Corps and private practice. She founded Cross Stone Law in 2008 following Hurricane Katrina, bringing personal resilience and military discipline to client representation. A single mother of three, she combines professional expertise with real-life financial challenges understanding.
Questions
What types of bankruptcy do you handle?
We specialize in Chapter 7 and Chapter 13 bankruptcy for individuals, plus small business bankruptcy options including Chapter 11.
Can bankruptcy stop foreclosure proceedings?
Chapter 13 bankruptcy can stop foreclosure sales and allow you to catch up on mortgage payments over 3-5 years.
Will I lose my property in bankruptcy?
Most clients keep essential assets like homes, cars, and retirement accounts through proper bankruptcy exemptions.
How does bankruptcy affect credit scores?
While bankruptcy appears on credit reports for up to 10 years, many clients rebuild credit within 2-3 years post-discharge.
Do you offer virtual consultations?
Yes, we provide virtual legal consultations for all East Texas residents through secure video conferencing platforms.
What debt relief options exist for solar panel loans?
Bankruptcy can provide relief for unaffordable solar panel loans, with treatment depending on the specific bankruptcy chapter filed.
