Chapter 7 bankruptcy is usually a fairly straightforward process that can be completed in just a few months. When you file your bankruptcy petition, a bankruptcy case filing fee of $335 must be paid along with applicable attorney fees. Once a Chapter 7 petition is filed, an automatic stay goes into effect, which means that some collection activities such as repossession, foreclosure and wage garnishment are halted. The benefits of the stay are subject to both federal and Texas bankruptcy law and are temporary and do not apply in certain cases. Our bankruptcy attorneys can help you understand which rules and exceptions may be relevant to your case.