San Antonio Bankruptcy Lawyer

Santos Vargas

San Antonio Bankruptcy Attorney

Attorney at Law Magazine’s San Antonio Bankruptcy Local Legal Authority.

Santos Vargas

San Antonio Bankruptcy Attorney

San Antonio Bankruptcy Lawyer

Santos Vargas

Santos Vargas is a shareholder at Davis & Santos. Santos represents individuals, banking and financial institutions, business entities, trusts and estates in a variety of complex business litigation, financial institution litigation, fiduciary litigation, trust litigation, estate and guardianship litigation matters, civil rights and election law, bankruptcy, construction law and appeals. Santos is able to assist Spanish-speaking clients and practices in both state and federal courts where he has successfully tried several cases to verdict. Santos began his career at Cox Smith Matthews and ran his own practice for several years prior to joining Davis & Santos in 2011.

Attorney's Latest Articles

In Need Of A San Antonio Bankruptcy Attorney?

If your financial situation is in crisis mode, you must act quickly to protect your assets and financial interests. Creditors don’t waste time when your accounts show signs of default. They submit adverse credit bureau reports that lower your credit score. They transfer your accounts to collection agencies who call your home, job, or business until they get a definitive response. San Antonio recovery attorneys secure creditor’s judgments through lawsuits. They satisfy court judgments by garnishing your income and placing liens against your home.

Economic problems can be stressful, especially when you see no potential for relief. San Antonio Bankruptcy attorneys can help you navigate the most complex financial problems. They intervene on your behalf to stop collection efforts. They use their legal knowledge and experience to produce financial relief.

A Common Problem

If you’re feeling anxious over your financial future, you’re not alone. Money management problems occur at all levels of income and economic spectrums. They arise due to uniquely personal issues such as high medical bills, job losses, and divorce. Unexpected expenses and spending indiscretions cause problems as well.  It doesn’t matter how you reached your credit crisis, you shouldn’t try to handle it on your own.

Bankruptcy attorneys in San Antonio provide the critical legal assistance you need. They listen to your concerns, evaluate your financial issues, and determine if bankruptcy is your best option. After hearing your story and reviewing your personal financial information, your attorney might recommend that you attempt debt forgiveness, bill consolidation, or another non-legal option. When bankruptcy is the best alternative, you can trust your San Antonio bankruptcy attorney to understand the complex federal code and work with you to comply with the requirements.

United States Bankruptcy Code

The Bankruptcy Code provides protection for both the debtor and the creditor. It protects the debtor by requiring that creditors cease formal and informal collection activities. It protects creditors by forcing debtors to document their assets in writing and during a formal examination. This disclosure allows the court to decide if you have the ability to pay or if you meet the qualifications to discharge your debt. Your attorney initiates the legal process by filing a petition citing the appropriate chapter.

  • Chapter 7: You receive a complete discharge of your debt. If you have assets, a trustee oversees a liquidation and your creditors receive any cash proceeds.
  • Chapter 11: A debtor (usually a business) works with creditors to establish a plan to reorganize and pay some or all the debt.
  • Chapter 12: Family farmers and fishermen can reorganize their debt and arrange to pay some or all of it to their creditors.
  • Chapter 13: This chapter is sometimes called the “wage-earner” plan. If you have a “regular income,” it allows you to establish a repayment plan. To qualify, your debt must meet certain guidelines and you must complete your repayment within three to five years.
  • Chapter 15: Applies to parties involved in foreign court cases.

Bankruptcy is a formal legal process. You must comply with strict rules and guidelines and appear at court-ordered hearings. Attorneys work with you to gather the required information and submit necessary documents on your behalf. They help you comply with court requests and prepare your responses. They represent you during hearings and work to provide an outcome that gives you the financial relief you need.

San Antonio Bankruptcy Attorneys 

Bankruptcy can seem like a drastic option but it might be the best option for you. If you’re struggling with financial difficulties, your attorney can help you decide. Most bankruptcy attorneys in San Antonio offer a complimentary consultation. You discuss your financial issues and decide the best solutions for your personal and financial circumstances.

Schedule an

Reach out today to schedule an appointment to discuss your legal needs and their availability to handle your matter.

How We Select A
Local Legal Authority

Contributor to Magazine

The attorney must contribute valuable articles about their practice area to share with our readers in the Legal Advice section.

Maintain a 4+ Consumer Rating

The attorney must maintain a Google review rating of 4 or more stars.

Practice Law for 5+ Years

The attorney must have been licensed to practice law for at least five years and must have maintained an active practice.

What clients in San Antonio are saying about
Santos Vargas

Davis & Santos, P.C.
Based on 3 reviews
My experience with this firm was excellent. The representation was great, I was kept informed and everything went smooth. My case was dismissed and now all is well!
Tricia L
Tricia L
20:15 10 Dec 19
Jason Dugan
Jason Dugan
00:39 27 Jul 19
True Professional's,One Outstanding Law Firm.
Ralph Estrada
Ralph Estrada
13:49 08 Nov 18

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Advice From
Santos Vargas

Contact San Antonio
Bankruptcy Attorney

San Antonio Bankruptcy Lawyer

Santos Vargas

Named to Texas Rising Stars by Super Lawyers, part of Thomas Reuters (2015-2017)

Speaks English and Spanish

Director of State Bar of Texas

President of the San Antonio Young Lawyers Association (July 2006-May 2012)


(210) 853-5793


719 S Flores St, San Antonio, Texas 78204