Law Offices of Chance M. McGhee

Focus and practice areas

The Law Offices of Chance M. McGhee handles bankruptcy and debt relief work in San Antonio, Texas. Chapter 7 and Chapter 13 filings make up the work the site describes. Consumer cases and small business cases both fall inside that scope.

The client picture the site draws is specific. Individuals, families and small business owners come to the firm carrying debt they can no longer service. The pressures named include creditor harassment, home foreclosure, repossession, wage garnishment and IRS tax levies.

Chapter 7 clears qualifying debt through liquidation. Chapter 13 restructures it into a court-approved repayment plan over a period of years. The firm files both, and it advises clients on alternatives to bankruptcy when a filing would be the wrong move for them.

Where the two chapters diverge

Choosing between the chapters shapes everything that follows: which assets a client keeps, whether a mortgage arrearage can be cured, how long the case runs. In my opinion, that first decision is the part of a bankruptcy practice where experience earns its keep. A firm that files both chapters can make the choice on the facts of the case.

How the team is built

Chance McGhee is the attorney the site names. He has worked with clients in financial difficulty for over 20 years, across consumer and small business bankruptcy. The site says clients work with him directly from the initial consultation through to the discharge of their debt.

That structure carries a plain meaning for anyone comparing options. The lawyer who hears the first account of a client's finances is the same one who takes the case to discharge. Continuity like that matters in bankruptcy, where the schedules filed at the start govern what happens at the end.

Credentials and court admissions

McGhee earned his Doctor of Jurisprudence from St. Mary's University School of Law in 1994. Before that he studied Management and Accounting at the University of Texas at Austin, from 1984 to 1987. An accounting background sits close to the daily substance of bankruptcy practice, which runs on income calculations, asset schedules and creditor math.

He is licensed in the Federal Bankruptcy Courts for the Western, Southern and Northern Districts of Texas. Bankruptcy is federal jurisdiction, so those admissions define the geographic reach of the practice in a concrete way. Three of the four Texas federal districts fall within it.

McGhee is a member of the Federal Bar Association. He served four years as Treasurer of the San Antonio Bankruptcy Bar Association and currently sits as a Director of that organization.

What bar association service signals

Local bar roles are elected or appointed by peers. A four-year term as Treasurer means colleagues in the same field trusted him with the association's money and then kept doing so. The Director role continues that involvement.

These are verifiable positions with named organizations behind them. As a reviewer, I treat that class of fact differently from a self-described accolade. A bankruptcy bar association is made up of the lawyers, trustees and creditors' counsel who see each other in the same courtrooms every week.

Geographic reach across south-central Texas

The office sits on IH-10 West in San Antonio. The firm's stated service area runs well past the city limits into the surrounding south-central Texas region.

Named towns include New Braunfels, Boerne, Kerrville, Schertz and San Marcos. Named counties include Bexar, Comal, Kendall and Guadalupe, along with others nearby. That covers the corridor between San Antonio and Austin plus the Hill Country to the northwest.

Naming individual counties tells a prospective client something useful. Bankruptcy filings are venued by district, and a client in Kerrville needs to know whether a San Antonio firm will actually take the drive and the case. The specificity answers that before anyone picks up the phone.

What the first meeting looks like

The firm offers a free initial consultation. For someone weighing whether to file at all, that removes a barrier at the exact moment the decision feels heaviest.

The consultation carries real weight in this area of law. Means testing, exemption planning and the timing of a filing all turn on details a client may not know are relevant. Someone facing a foreclosure sale date or an active wage garnishment has a narrow window, and the calendar drives the strategy.

The site also describes advice on alternatives when bankruptcy would be the wrong fit. A firm willing to say a filing is unnecessary is giving counsel, and that shows up in the first meeting or nowhere.

What the record shows

The verifiable material here holds together well. A law degree with a stated year, an undergraduate degree with stated dates, three federal district admissions, two named roles in a professional association, a defined practice area and a mapped service region.

Certain things the site leaves out. There is no stated founding year for the firm, though it describes more than two decades of practice. No entity designation such as PLLC or P.C. appears. Bar admission year is absent, and the 1994 date belongs to the law degree.

Prospective clients can check the credentials that are stated. The State Bar of Texas publishes admission and standing records, and the San Antonio Bankruptcy Bar Association can confirm officer history. In my opinion, credentials worth publishing are credentials that survive a look, and the ones listed here point at institutions that keep public records.

The overall shape of this listing is a single-attorney bankruptcy practice with two decades behind it, federal admissions covering most of Texas, an accounting education underneath the law degree, and a service area drawn county by county across south-central Texas.