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Texas Bankruptcy Questions & Answers
2 Answers | Asked in Bankruptcy, Consumer Law, Small Claims and Collections for Texas on
Q: Can a debt collector that bought your debt sue you for a debt that has exceeded the statue of limitations?

I just got a paper in the mail as an advertisement from a legal firm saying they found a court filing for a lawsuit under my name. They were fishing around to represent me. I set out to do some digging and it turns out a debt collector(Jefferson Capital) bought the debt from my original creditor.... View More

W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Mar 3, 2023

Anybody with a couple hundred bucks, or whatever the court filing fee is, can sue anybody else. The key question is whether they can get a judgment, i.e., win.

If you can show a court that your first default occurred more than four years ago, and was not subsequently cured by catching up...
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1 Answer | Asked in Bankruptcy for Texas on
Q: Will a trustee’s “balance on hand” be refunded to the debtor, once all base plan payments are made?

Also, if a secured creditor refunds trustee for overpayment, does that get returned to debtors? Chapter 13

Timothy Denison
Timothy Denison
answered on Feb 26, 2023

If there are no other costs or expenses from the trustee one the plan is paid, those monies should be returned to the debtor.

3 Answers | Asked in Bankruptcy for Texas on
Q: Hello, I need an opinion. Which is best if we have substantial IRS debt, chapter 13 or 7 and why?

we met with two attorneys and one recommended chapter 7 and the other recommended chapter 13 so we now are confused as to which is the best route since the opinions we not the same.

Stuart Nachbar
PREMIUM
Stuart Nachbar
answered on Feb 21, 2023

Your question is hard to answer in a vacuum. Both have advantages.. if taxes are over three years old and all returns have been filed and no extensions done such as offer in compromise, then 7 good.

If tax are Leins, and under three years old or you tried other methods, then paying the...
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1 Answer | Asked in Bankruptcy for Texas on
Q: Saw Bankruptcy Lawyer/ Consultation about filing chapter 7 , paid $5,500 up front, 24 hrs changed my mind, won’t refund

Paid $5,000 up front plus filing fees and I explained while there at Bankrupcy Attorney office that I shared inherited property with my siblings, After I got home within 24 hrs I called our probate Attorney and was told the Bankruptcy could affect my siblings in the shared property so I called... View More

Timothy Denison
Timothy Denison
answered on Feb 7, 2023

Depends on the contract you signed but most likely not appropriate. If he continues to refuse and your contract does not address it, you may have to file a fee dispute with your state bar.

1 Answer | Asked in Collections and Bankruptcy for Texas on
Q: Does a motion to lift stay (DSO Claimant) for a default judgment mean I still must figure out collection from ex?

Ex Husband is still in the approval (or denial) for Chapter 13. My motion for relief of stay keeps getting pushed forward since he keeps getting pushed forward. The trustee is now recommending denial of his chapter 13 due to timeliness. I have a default judgment for attorney fees and amount owed up... View More

Timothy Denison
Timothy Denison
answered on Feb 6, 2023

You will have to get the additional award of attorney fees approved by the divorce court. Your settlement agreement may also have language regarding such an award.

2 Answers | Asked in Bankruptcy, Contracts, Real Estate Law and Civil Litigation for Texas on
Q: What kind of lawyer do I need juan paid double for void judgement and got court findings omitted 05-22-00767-C

S properties had liens section 5.085 of the Property would that help me ge

the highest bidder, which is J. Favela. J. Favela filed bankruptcy on behalf of

Empire Prime Capital Investing, Inc. ("Empire"), just four days after this Honorable Court told

Favela that he... View More

John Michael Frick
John Michael Frick
answered on Jan 15, 2023

It sounds like this is a matter that has been litigated and is on appeal. So I would recommend a civil appellate lawyer.

It might help if the appellate lawyer has some experience or general knowledge of bankruptcy law as well.

You should anticipate such a lawyer will charge...
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1 Answer | Asked in Bankruptcy, Real Estate Law and Business Law for Texas on
Q: A partner stole my corporation The judge gave it back to me. He files bk while it’s mine. I have all the proof

I need a lawyer iif we would of finished the billl of review we would of won ? evidence was presented, and Court found that I was the only owner of my company 4 days later ex partnerfiled filed bankruptcy on behalf of my company just four days after this Court told him that he did not own it. I... View More

Timothy Denison
Timothy Denison
answered on Jan 16, 2023

If you still own the business, simply move the Court to dismiss the bankruptcy as unauthorized.

1 Answer | Asked in Bankruptcy for Texas on
Q: Can the federal bankruptcy homestead cap be doubled for a joint bankruptcy? I haven’t met the 1215 day rule.

I’ve lived in Texas for two years and own my home outright. Value is about 270k. I’m married. I believe the federal cap is around 180k. Can that be doubled in a joint bankruptcy.

W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Jan 5, 2023

The current federal homestead exemption is approx. $25,000. Yes, it can be doubled with a joint filing.

Sam Houston was a notorious debtor, and he and his friends set up a debtor-friendly place. The TX state exemptions for homestead are far more generous (I used to practice in Oklahoma...
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2 Answers | Asked in Bankruptcy for Texas on
Q: I am filing ch13 bankruptcy vehicle the chapter 13 payment plan form 113 is confusing...How do I fill this out ?
David Luther Woodward
David Luther Woodward
answered on Dec 25, 2022

You go to a bankruptcy lawyer for assistance--you will need him not only for 113, but also for you plan of repayment. Most lawyers do not charge a fee for the initial consultation.

Good Luck

d

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1 Answer | Asked in Bankruptcy and Foreclosure for Texas on
Q: Thank you for responding. My lawyer-motion to lift stay, his lawyer-requests denial. Can I respond to the court trustee?

I just wanted to clear up what I was asking. His bankruptcy is not yet approved and trustee is recommending it not be granted due to lack of income because he has not submitted the documents she asked for yet. (Schedule C, 3-months P&L, and complete tax return. I log on to Pacer at least once a... View More

Timothy Denison
Timothy Denison
answered on Dec 18, 2022

Yes. You can file your own response to the trustee but you are pretty much protected either way.

1 Answer | Asked in Bankruptcy and Family Law for Texas on
Q: Can I fill out a bankruptcy response to the court when I am owed spousal support? A motion to deny my stay was entered

Ex husband declaring bankruptcy, I have a default judgement and certificate of enforcement but have been unable to collect. I have an attorney, but each thing costs me money. In the divorce decree it states the ex must pay for my attorney fees, but since I have a default judgement, does that negate... View More

Timothy Denison
Timothy Denison
answered on Dec 17, 2022

No. He still owes you the money. Domestic support obligations are non-dischargeable. You can recoup your attorney fees up through the date of the order but you can always go back in and ask for more attorney fees bc if the bankruptcy.

2 Answers | Asked in Bankruptcy for Texas on
Q: How do I access business bankruptcy asset liquidations/sales in Texas Southern District (Austin)?

Looking to get access to assets that are being sold as part of Chapter 7/11/13 proceedings in Austin TX

W. J. Winterstein Jr.
PREMIUM
W. J. Winterstein Jr.
answered on Dec 14, 2022

While, as the first answer instructs, contacting the bankruptcy trustee is a good idea (trustees looking to sell estate assets always want to maximize sale prices, and that comes from drawing in more prospective purchasers), your question seems to suggest that there are multiple cases/trustees in... View More

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2 Answers | Asked in Bankruptcy for Texas on
Q: If you have a house that you need to sell however you are in the middle of a bankruptcy when can you sell the house?

My husband passed away recently from cancer. Because of the expenses, we are in dire straights financially and I will probably have to file for bankruptcy while I try to determine what to do. I need to keep my house long enough to be able to sell it and get the equity+ out of it. The house is... View More

Cristina M. Lipan
Cristina M. Lipan
answered on Nov 9, 2022

Any equity you have in that house (above your exemption) would belong to the bankruptcy estate if you file bankruptcy. Meaning, the Trustee might sell it to take that money to pay your creditors. You may have enough of an exemption to protect that equity, but what is available to you will depend.... View More

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1 Answer | Asked in Bankruptcy for Texas on
Q: Can I file for bankruptcy and not lose my house?

My husband who was the only one bringing home a paycheck died 9/21/2022. I'm trying to sell my house, car and jewelry so that my son and I aren't without anywhere to live. I'm behind on the house payments because I simply cannot afford the $1700 a month payment. They will foreclose... View More

Timothy Denison
Timothy Denison
answered on Nov 7, 2022

You may be eligible for bankruptcy depending on your assets and equity in your house. You should consult a competent bankruptcy attorney who can assess your entire financial situation. There are lawyers who may do this pro Bono or at a reduced fee. Contact your local bar association or legal aid... View More

1 Answer | Asked in Bankruptcy for Texas on
Q: How long after buying a house can I file bankruptcy? I wouldn't be behind on mortgage just want to dissolve other debts.

I have really great credit but my husband and I are digging ourselves into a hole with a large loan we have. We might be taking on having to add another family member to raise due to an emergency family situation, so financial restructuring is going to be in order. We would not file for bankruptcy... View More

Timothy Denison
Timothy Denison
answered on Sep 28, 2022

You can file anytime but it could be considered fraudulent if you file too soon. You really should have a competent bankruptcy lawyer evaluate your entire financial situation.

1 Answer | Asked in Divorce and Bankruptcy for Texas on
Q: In my divorce decree in 2017 states that my ex has to pay off a loan against a life policy every month he stop and fille

Bankruptcy. I was granted the life policy on him. I did the 410 form twice. And sent it to 2 different address. His lawyer and he do not want to pay. I paid it off due to interest rate. What do I do.

Timothy Denison
Timothy Denison
answered on Aug 23, 2022

Make a motion to hold him in contempt in your divorce case.

1 Answer | Asked in Bankruptcy and Landlord - Tenant for Texas on
Q: Eviction without ssn and birthdate?

Financial issues leading to eviction. Two people household. Apt management doesn't have the ssn and birth date for one tenant. How does this affect the eviction process moving forward? Also does filing for chapter 7 allow for automatic stay for the whole household or only for who filed... View More

Timothy Denison
Timothy Denison
answered on Aug 25, 2022

Lack of ssn and dob will not affect the eviction. Bankruptcy of one tenant will likely stay eviction of other tenants in the same house.

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