Tanzy & Borrego Law Offices, P.L.L.C. - El Paso, TX

Four Decades of Board-Certified Bankruptcy Excellence in El Paso

Overwhelming financial distress can strike anyone due to medical crises, job loss, or rising interest rates. Since 1983, Tanzy and Borrego Law Offices, P.L.L.C. has served as a beacon of financial hope and stability for individuals, wage earners, and small business operators across El Paso County and West Texas. The firm distinguishes itself with an extraordinary level of legal qualification: both partners, Edgar J. Borrego and Miguel Flores, are Board Certified in Consumer Bankruptcy Law by the Texas Board of Legal Specialization. Board certification is an elite distinction held by a small fraction of Texas practitioners, demonstrating rigorous peer review, proven courtroom expertise, and continuous mastery of federal bankruptcy jurisprudence. When residents seek to find an attorney with unmatched debt relief credentials, they turn to Tanzy and Borrego for compassionate and effective counsel.

Strategic Chapter 7 Bankruptcy and Complete Debt Discharge

For qualifying individuals drowning in unsecured obligations, Chapter 7 bankruptcy provides direct, statutory relief under federal law. Tanzy and Borrego Law Offices, P.L.L.C. guides clients through the complex means test to determine Chapter 7 eligibility, ensuring maximum asset protection under Texas and federal exemption statutes. Filing Chapter 7 through the firm delivers crucial protections, including:

• Invoking the automatic stay to immediately halt wage garnishments, harassing debt collection calls, and pending lawsuits.
• Discharging burdensome credit card balances, medical debts, personal loans, and payday advances.
• Utilizing Texas property exemptions to protect family homesteads, vehicles, household furnishings, and retirement savings.
• Guiding clients step-by-step through required credit counseling, debtor education, and trustee meetings.

By conducting a comprehensive financial evaluation, the legal team ensures your filing proceeds smoothly without risking non-exempt property.

Reorganizing Debts and Stopping Foreclosures with Chapter 13

When clients face imminent mortgage foreclosure, vehicle repossession, or have income above the Chapter 7 threshold, Chapter 13 reorganization offers a structured pathway to recovery. Tanzy and Borrego Law Offices, P.L.L.C. devises feasible three-to-five-year repayment schedules that consolidate debts into affordable monthly installments overseen by the bankruptcy court. This powerful legal tool enables homeowners to catch up on delinquent mortgage payments, restructure underwater vehicle loans, and pay back taxes without additional penalty accruals.

Defending Borrowers Against Unlawful Creditor Harassment

Aggressive debt collection tactics can cause severe emotional strain. The firm uses the protections of the federal Fair Debt Collection Practices Act and the Texas Debt Collection Act in conjunction with bankruptcy stays to eliminate creditor intimidation. From the moment the firm files your petition, creditors are legally barred from contacting you or attempting collection actions.

Convenient Eastside and Central Offices with Free Consultations

With convenient offices on James Watt Drive on the Eastside and Montana Avenue in Central El Paso, the firm ensures accessible legal care for all borderland neighborhoods. The practice is fully bilingual in English and Spanish, ensuring clear communication with every client. The firm provides clear flat fee schedules and affordable payment plans so that financial constraints do not prevent you from obtaining top-tier representation. If you are ready to hire an attorney who can restore your financial peace of mind, contact Tanzy and Borrego Law Offices, P.L.L.C. to consult an experienced lawyer today.