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Texas Bankruptcy Questions & Answers
1 Answer | Asked in Bankruptcy for Texas on
Q: When in ch 13 bankruptcy, can i pay one of the accounts early? It is being paid currently through trustee

I want to refinance my mortgage, to a lower rate. It's already approved through the lender and trustee, but one of the accounts under my ch 13 plan has a lien on my property. I have to resolve the lien before closing

Nels Hansen
Nels Hansen
answered on May 10, 2017

Contact your attorney. There are limited circumstances that allow a lien to be placed on a person’s homestead in Texas. The type of lien will determine how to deal with the lien. A judgment lien will create a cloud on the title but does not attach to the homestead. If you do not have an... View More

1 Answer | Asked in Bankruptcy for Texas on
Q: If you file chapter 13 and have it converted to a 7 two years later,which date does the courts go by to file 7 again?
Tammy L. Wincott
Tammy L. Wincott
answered on Apr 21, 2017

First, your attorney should be able to answer this question for you as they know the specific circumstances/details involving your case.

In general, a person who never receives a discharge in a Chapter 13 and converts to a Chapter 7 needs to get a discharge of the 7 and then wait 8 years...
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1 Answer | Asked in Bankruptcy for Texas on
Q: I need to file chapter 7 have a judgement. My husband passed over a year ago and I have not probated will.

Can I still file and probate will at the same time? What are my options.

Tammy L. Wincott
Tammy L. Wincott
answered on Apr 21, 2017

Please accept my condolences for the loss of your husband. I suggest you consult in person with an experienced bankruptcy attorney in your area as there are many factors that may change how one or other is done, i.e. assets you may inherit, etc. Don't take chances to try and save money and... View More

1 Answer | Asked in Bankruptcy and Real Estate Law for Texas on
Q: Can I do a quit claim to remove myself from my EX home before I file chapter 7. I am on the deed ONLY

Separated 2 years, divorced in Dec. 2016. Ex purchased a home while we were separated. I have contributed nothing towards the house, down payment, closing, payments, upkeep. Divorce Decree gives him 100% ownership, but have not removed my name. Have never stayed in the home, visited one time. I... View More

Tammy L. Wincott
Tammy L. Wincott
answered on Apr 21, 2017

Speak with your divorce attorney about this. Generally, in my divorce cases, we draft a General Warranty Deed or Special Warranty Deed when transferring property from one spouse to another. There are times when a decree may contain language that it shall act as a transfer of property as well;... View More

1 Answer | Asked in Bankruptcy and Real Estate Law for Texas on
Q: Filing bankrupty but on EX home deed.

Separated 2 years, divorced in Dec. 2016. Ex purchased a home while we were separated. I have contributed nothing towards the house, down payment, closing, payments, upkeep. Divorce Decree gives him 100% ownership, but have not removed my name. Have never stayed in the home, visited one time. I... View More

Tammy L. Wincott
Tammy L. Wincott
answered on Jul 24, 2017

If the property was awarded to your husband in the divorce decree then the decree should have been filed in the County Deed Records maintained by the County CLerk. This is not done automatically. You or someone would have needed to or still can file a certified copy of the divorce decree.

1 Answer | Asked in Bankruptcy for Texas on
Q: How long can an attorney stop the suit before filing bankruptcy

Divorceed in 2016, nunc pro tunc Feb 22, 2017. Amendment needed because ex filed without an attorney and accidently filed showing me with 50% of business instead (as it has alway been) 50% of income after all expenses paid.

Not wanting the "truth" to look like fraud, I have been... View More

Tammy L. Wincott
Tammy L. Wincott
answered on Apr 21, 2017

I'm really not clear on what your question is here as I have no idea what suits you are referring to that need to or may be delayed a year. Please rephrase your question so that it is clear what information you are seeking.

1 Answer | Asked in Bankruptcy for Texas on
Q: If a debtor did not properly notify a creditor about a bankruptcy filing, can the creditor ignore the discharge of debt?

The debt was due to potential fraud. Had the creditor known the bankruptcy was filed, he would have contested it.

Tammy L. Wincott
Tammy L. Wincott
answered on Apr 21, 2017

You should meet with a bankruptcy attorney and go over the specific case details. The attorney can look at the documents filed and advise you from there. There are times when a case may be re-opened and a "forgotten" creditor added in an amended filing; however, it depends on many factors.

1 Answer | Asked in Bankruptcy for Texas on
Q: Are there different rules for people filing bankruptcy a second (or more) time?
Tammy L. Wincott
Tammy L. Wincott
answered on Apr 21, 2017

Yes there are different rules and a lot depends on what type of bankruptcy you filed the first time and whether or not you obtained a discharge. There may be no "automatic stay" protection in some cases, meaning if someone were delinquent in their mortgage, the mortgage company could... View More

1 Answer | Asked in Bankruptcy, Foreclosure and Real Estate Law for Texas on
Q: One of my neighbors passed away and did not leave a will. She claimed chapter 13, and the house is part of it.

Her son makes 10 an hour and has no money. There is no will and he will not pursue the house . How can I jump in as an investor and get this house I would like to flip it and give him a little money so he can get an apartment. Since there is not a heir in the mix, should I wait until chapter... View More

Doug Allen Bernacchi
Doug Allen Bernacchi
answered on Mar 30, 2017

This often works. I think she did the right thing if she has regular income and afford the plan payments. If not she could only be using the file to obtain cheap rent and delay the inevitable, which could have real economic value in the short run, but not address her long term need for affordable... View More

1 Answer | Asked in Bankruptcy for Texas on
Q: Filed bankruptcy over a year ago. Car has been sitting n yard waiting on reposeesion for 15 months. How long must I wait

If I move am I responsible for the car, because it is undrivable (engine problem) so i have to pay to have it moved whenever we decide to move into a new place. The bank had been saying for a year that they are coming to get it, but never has and it's just taking up space. I don't want to... View More

Nels Hansen
Nels Hansen
answered on Mar 6, 2017

You want it off your property and out of your name. The common problem is the lender will not release the lien so you can sell or scrap the car but won’t repossess it. If the lender is local, you could take it to them. If you had continued to make the payments and paid off the car the lender... View More

1 Answer | Asked in Bankruptcy for Texas on
Q: Is it legal for landlords to refuse to rent to you on the basis that you've filed a bankruptcy?
Nels Hansen
Nels Hansen
answered on Mar 3, 2017

Yes. If you have an eviction or two or three in your rental history finding a place will be more difficult. You may be able to change the landlord’s mind if you put down a larger deposit or first and last months rent. Good Luck finding a new place. You can search for an attorney using the... View More

1 Answer | Asked in Bankruptcy for Texas on
Q: What are my rights when the person I owner financed my home to has filed chapter 13?
Nels Hansen
Nels Hansen
answered on Feb 9, 2017

When a person files bankruptcy the automatic stay prohibits a creditor from taking any action to collect. So do NOT call, write, text or contact the debtor. This does not mean you are not entitled to be paid. Contact a local attorney who represents creditors. The debtor should continue to make... View More

1 Answer | Asked in Bankruptcy for Texas on
Q: What does "order of discharge" mean And "explanation of bankruptcy discharge in a chapter 7 case" meann
Nels Hansen
Nels Hansen
answered on Jan 20, 2017

It means the Debtor has received their discharge. Creditors cannot collect discharged debts. The order means that no one may make any attempt to collect a discharged debt from the debtors personally. For example, creditors cannot sue, garnish wages, assert a deficiency, or otherwise try to... View More

1 Answer | Asked in Bankruptcy and Landlord - Tenant for Texas on
Q: I am on bankruptcy since march of last year and went to eviction court Monday. They sent me to court for 75 dollars.

I explained to judge I was on bankruptcy and he threw my papers to me and said be out in six days. What rights do I have to get more time to move

Tammy L. Wincott
Tammy L. Wincott
answered on Sep 28, 2016

First - we need to know what type of bankruptcy, i.e. Chapter 7 or 13. Also need to know if this is a lease or something different. I would suggest speaking with your bankruptcy attorney as well as there may be other issues and a person more informed and familiar with your personal circumstances... View More

1 Answer | Asked in Bankruptcy for Texas on
Q: My sister is declaring personal bankruptcy but we share a savings account. Is our money at risk of going to her debtors?

This is in Texas. We are both named on a savings account that holds life insurance money from when our mother died. We are holding the money for our father for use should he get ill, have an emergency, or to pay for his funeral expenses. The money in this account is not for either my sister or my... View More

Tammy L. Wincott
Tammy L. Wincott
answered on Sep 28, 2016

Unless your sister is able to exempt these funds in her bankruptcy they may very well be at risk. I strongly suggest she and you speak with the attorney regarding this.

1 Answer | Asked in Bankruptcy for Texas on
Q: Chapter 7 Bankruptcy Eviction Question

I live in Texas and I filed Chapter 7 yesterday. I'm also trying to fight an eviction. After I filed and sent the paperwork to the lanlords attorney I was told by their attorney "the Automatic Stay arose when you filed but there is an exception in 11 USC 362(b) which makes it inapplicable... View More

Terrence H Thorgaard
Terrence H Thorgaard
answered on May 4, 2016

I see nothing in section 362(b) pertaining to something called "Tricon". Can you be more specific as to the portion of section 362 to which the attorney was referring?

1 Answer | Asked in Bankruptcy for Texas on
Q: Can I keep my car if I file Chapter 7?

My mom passed away, we have a joint installment loan that used our car as collateral. The car was owned free and clear when we put it up for the loan. If I include that loan in the Chapter 7 do I have to give up the car?

Terrence H Thorgaard
Terrence H Thorgaard
answered on Nov 11, 2015

No, you would not have to give up the car. You would reaffirm the joint installment loan debt, and claim your equity in the car as exempt (if such an exemption applies in your state).

1 Answer | Asked in Bankruptcy for Texas on
Q: Can you rent your house if you have filed chapter 13 bankruptcy?

In Oklahoma?

Leonard R. Boyer
Leonard R. Boyer pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Oct 2, 2015

Yes, you can rent out your house, during the bankruptcy because you own it. Good luck.

1 Answer | Asked in Bankruptcy for Texas on
Q: I just bought a new car at the beginning of this year and I am current on my payments, if I file will I lose my car?

I need my car it is very important to me to keep it. But I cant afford the debt I have incurred through credit card debt. My main purpose is to get rid of my credit card debt but keep my car. Do I have to put that in when I file? I dont own a home I rent an apartment. So the only thing I need to... View More

Kevin W. Chern
Kevin W. Chern
answered on Sep 2, 2015

There are a couple of options for keeping a car with an outstanding lien in Chapter 7 bankruptcy. One is to reaffirm the debt (basically, agree that the debt won't be affected by the bankruptcy and that you'll keep making payments as scheduled). Another is to "redeem" the car by... View More

1 Answer | Asked in Bankruptcy for Texas on
Q: Do I need to be late on payments or in collections to file ?

I am unable to work do to physical health issues. I applied for disability but was rejected of course. I just applied for rent assistance from social services and will not be able to make payments soon. I've never been late or unable to pay and would like to avoid collections and being late even.

Kevin W. Chern
Kevin W. Chern
answered on Aug 26, 2015

The determination as to whether you can file for Chapter 7 bankruptcy does not take the status of your debts into account. It begins by comparing your income to the median income in your state for a household of the same size. Most people who are below the median qualify for Chapter 7 bankruptcy.... View More

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