Business Details
18 Years
experience
Your Trusted Bankruptcy Attorney in Longview, TX
Cross Stone Law is a dedicated bankruptcy law firm serving individuals and small businesses in East Texas. With over 35 years of legal experience, our founder Carol Cross Stone focuses exclusively on bankruptcy solutions, including Chapter 7, Chapter 13, and small business bankruptcy options. Our practice emphasizes personalized attention, avoiding the high-volume 'bankruptcy mill' approach, ensuring skilled attorney involvement throughout every case. We combine deep expertise in debt relief with a compassionate understanding of financial hardship, offering both in-person and virtual services. Our team provides strategic guidance for debt elimination, property protection, and credit rebuilding, while maintaining transparency through prompt communication and dedicated client support.As a debt relief agency under federal law, we help clients navigate bankruptcy proceedings in the Eastern District of Texas, including Tyler, Marshall, and Texarkana divisions. Our office utilizes modern technology to handle cases remotely, ensuring accessibility while maintaining personal connections. With a career spanning military service in the Air Force JAG Corps, private practice in Mississippi, and Texas-based operations since 2008, we bring both national perspective and local community commitment to every case. Our approach balances legal expertise with practical solutions, focusing on helping clients achieve financial stability through bankruptcy as a tool for fresh starts rather than failure.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Small Business Bankruptcy
SBA Loan Bankruptcy
Debt Reorganization
Foreclosure Prevention
Wage Garnishment Relief
Credit Rebuilding Guidance
Virtual Bankruptcy Services
341 Hearing Representation
Details
- Year established: 2008
Highlights and features
- We offer 35+ years of focused bankruptcy law experience
- Our practice provides personalized attorney-led case management
- We utilize modern technology for remote case handling
- Our founder served in the United States Air Force JAG Corps
- We specialize exclusively in bankruptcy and debt relief solutions
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 and wage garnishments while protecting essential assets. Our experienced attorneys guide clients through the process to achieve debt relief and financial fresh starts.
Chapter 13 Bankruptcy
Chapter 13 Bankruptcy restructures debts into manageable repayment plans over 3-5 years. This option stops foreclosures and repossession while allowing debtors to keep valuable assets. We help clients develop personalized repayment strategies that meet court requirements and financial capabilities while protecting against creditor actions.
Small Business Bankruptcy
Small Business Bankruptcy provides debt solutions for sole proprietorships through Chapter 7 or 13, and corporations/LLCs through Chapter 11. Our services include developing business reorganization plans, debt discharge strategies, and asset protection approaches tailored to commercial needs while complying with bankruptcy code requirements.
SBA Loan Bankruptcy
SBA Loan Bankruptcy addresses debt relief for Small Business Administration loans, including EIDL loans and solar panel financing. We help business owners understand discharge options, negotiate with government agencies, and develop strategies to manage government-guaranteed debts through appropriate bankruptcy chapters.
Credit Rebuilding Guidance
Credit Rebuilding Guidance provides post-bankruptcy financial strategies to improve credit scores. Our services include debt management planning, credit report monitoring advice, and financial education to help clients establish healthy credit habits and achieve long-term financial stability after bankruptcy proceedings.
People
Carol Cross Stone
Bankruptcy Attorney
Carol Cross Stone is a bankruptcy attorney with 35+ years of experience, focusing exclusively on bankruptcy law since 2008. A former Air Force JAG officer, she brings military discipline to personalized debt relief solutions. She founded Cross Stone Law to provide compassionate, attorney-led bankruptcy representation in East Texas.
Questions
What types of bankruptcy do you handle?
We handle Chapter 7, Chapter 13, and small business bankruptcies, including Chapter 11 for corporations and LLCs.
Can bankruptcy stop wage garnishments?
Yes, filing for bankruptcy typically stops wage garnishments immediately through the automatic stay provision.
Will I lose my property in bankruptcy?
Most clients keep essential property like homes, cars, and retirement accounts through bankruptcy exemptions.
Do you offer virtual consultations?
Yes, we provide phone and video consultations with secure remote case handling from start to finish.
How does bankruptcy affect credit scores?
While initially impacting credit, bankruptcy often improves scores long-term by eliminating debt burdens and enabling financial recovery.
What areas do you serve?
We serve all Eastern District of Texas divisions including Tyler, Marshall, and Texarkana from our Longview office.
