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Texas Bankruptcy Questions & Answers
1 Answer | Asked in Bankruptcy for Texas on
Q: I still owe in my chapter 13 My case is closing and I won't receive discharge. What can I do?

My job didn't take out enough and the Trustee never let me know

Timothy Denison
Timothy Denison answered on Nov 18, 2019

That’s not your jobs fault. That’s either the trustee or your attorneys fault. If the plan was less than 5 years, it can be extended.

1 Answer | Asked in Bankruptcy for Texas on
Q: Can I add a cover letter with additional information for the trustee when filing my chapter 7 petition?

If so, do I just place it on top when filing?

David Gormley
David Gormley answered on Nov 16, 2019

You probably just want to send the cover letter with the document production you send the Trustee after the case is filed.

2 Answers | Asked in Bankruptcy for Texas on
Q: Can I file a typed cover letter with my chapter 7 petition? I would like to explain some additional items.

If so, do I just put it on top of the paperwork or does it need to go in a specific place?

Timothy Denison
Timothy Denison answered on Nov 16, 2019

It really should go in the remarks section for the debt to which it pertains!!

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2 Answers | Asked in Bankruptcy, Divorce and Collections for Texas on
Q: Can an X-Spouse discharge a debt in Ch. 7 if the Divorce Decree states a specific debt can not be discharged in Bkrptcy?

URGENT: I’m in divorce final mediation... The respondent has made an offer to settle equity in property & has agreed to not include a specific debt in a Ch. 7 bankruptcy that he plans to file. Is it bankruptcy fraud if he agreed in final divorce decree to not discharge one specific debt listed... Read more »

Tammy Lyn Wincott
Tammy Lyn Wincott answered on Nov 14, 2019

This is a mixture of State and Federal law. Bankruptcy law states you must list all debt in your name and a creditor doesn't care who it got assigned to in a divorce decree; all they care about is who took out the obligation to pay the debt in the first place - that is who they will seek to hold... Read more »

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2 Answers | Asked in Bankruptcy for Texas on
Q: I am about to File Chapter 7 in a few months. I recently purchased about $2500 worth of products from Conn's with their

"YES Money" Installment Financing. Can I include this in my bankruptcy?

Timothy Denison
Timothy Denison answered on Oct 30, 2019

Yes, but depending on when you file, you may have to pay it back.

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1 Answer | Asked in Bankruptcy for Texas on
Q: If I have a total income of $6659 on the means test with $1422 leftover after expenses, would I pass the means test TX

The median for family of 4 is $83,460.

Timothy Denison
Timothy Denison answered on Oct 28, 2019

Depends on IRS median allowances for that state as well as family size and other variables.

1 Answer | Asked in Bankruptcy and Foreclosure for Texas on
Q: Can I file chapter 13 to stop foreclosure in Texas
Timothy Denison
Timothy Denison answered on Oct 27, 2019

Yes.

1 Answer | Asked in Bankruptcy for Texas on
Q: I need to put my car title in my own name. Moved to Texas from Alabama last of August. My ex and I filed Chapter 13.

That was in 2018. Our autos included in Plan. How can I put auto in my own name without having to pay on my car myself?

Timothy Denison
Timothy Denison answered on Oct 5, 2019

See previous answer.

1 Answer | Asked in Bankruptcy for Texas on
Q: How do I put my automobile in my own name being recently divorced and included in Chapter 13 filed with my ex in 2018

Automobiles are in Plan. I cannot afford payment for the car if taken out of plan. My ex pays thru payroll deduction.

Timothy Denison
Timothy Denison answered on Oct 5, 2019

If you have your ex sign the title, you can transfer into your name, assuming it was provided for that way in your divorce.

2 Answers | Asked in Bankruptcy for Texas on
Q: Received Ch.7 bankruptcy with exhusband in 2013 in TX. Can i file a new one?

Having major issues and I want to know if I can file a new Ch. 7 as a single person. I still live in TX but have a legal issue that must be paid off by Oct 2020

Tammy Lyn Wincott
Tammy Lyn Wincott answered on Oct 1, 2019

You must wait 8 years from the time of your last discharge unless you want to file a Chapter 13.

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1 Answer | Asked in Bankruptcy for Texas on
Q: I'm filing Ch 7 pro se. Schedule E/F-Form 106E/F, doesn't have enough blank pages for the Non-priority Unsecured Claims

PLEASE CANCEL QUESTION. I HAVE ANSWER. Its a pdf document and I can't seem to duplicate then add another page so I can enter more creditors. However, I can print the blank page and handwrite the creditor info and add that pg to my official form. Is this acceptable? Or does everything need to be... Read more »

Timothy Denison
Timothy Denison answered on Sep 30, 2019

You should type them on a blank page or pages and include the same information as on the official forms. Just add the pages after the schedule E/F in the official forms.

2 Answers | Asked in Bankruptcy for Texas on
Q: How do I get copy of my '09 Bankruptcy Discharge in So. Dist, of TX? Mine lost in move. Filing pro se in No. Dist. now.

Not sure if I'll need this for 2019 Ch 7 Bankruptcy (filed Ch 7 in Southern District in 2008, discharged in 2009) I am filing myself in Northern District, but lost my 2009 file in move and would like to get this copy from archives. I live in Northern District now so must be done online or by mail.

Timothy Denison
Timothy Denison answered on Sep 18, 2019

Pacer.gov

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1 Answer | Asked in Bankruptcy for Texas on
Q: I recently divorced in Alabama and moved to Texas. My exhusband and I filed Chapter 13 in 2018.

The automobiles are included in bankruptcy monthly payments. Both automobiles are in both names.

Timothy Denison
Timothy Denison answered on Sep 8, 2019

What is your question?

1 Answer | Asked in Bankruptcy for Texas on
Q: I filed bankruptcy and filed appropriate forms to halt eviction however I have a 24 hour vacate notice. Please help
Timothy Denison
Timothy Denison answered on Sep 5, 2019

If you have filed bankruptcy, unless the landlord has had the stay terminated, he cannot take any action against you.

1 Answer | Asked in Bankruptcy for Texas on
Q: When listing my debt on my BK petition, do I just use my cell phone Acct number when listing the phones on the agreement

I just want to make sure that they don't turn off my cell service itself. I just want to try getting the phones on the installment agreement discharged. On the installment contract it also lists a plan ID #. I just want to make sure that I put down the right number.

Timothy Denison
Timothy Denison answered on Sep 1, 2019

Yes, if that is your account number.

2 Answers | Asked in Bankruptcy for Texas on
Q: If I file bankruptcy, can I keep my horses, my car, and my rent to own building?

Both my car payments and building payments are able to be kept up to date and while I do own horses, I am not the one that pays for them. My mom pays for their care, so they don't fall under my husband and I's financial responsibility

Timothy Denison
Timothy Denison answered on Aug 29, 2019

Probably. You need to consult a bankruptcy attorney to assess your complete financial situation and help you decide what to do.

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1 Answer | Asked in Bankruptcy for Texas on
Q: file a secured proof of claim against company that filed chapter 11, when I can expect a payment?
Timothy Denison
Timothy Denison answered on Aug 26, 2019

I’d speak to the trustee to get an idea of the timing of any payments.

1 Answer | Asked in Bankruptcy, Civil Litigation, Contracts and Real Estate Law for Texas on
Q: Ex-boyfriend filing bankruptcy, will it affect me when we have a notarized promissory note?

I am a co-owner of my house (that my parents paid for) with my ex-boyfriend and we are separated because he had an affair. Both of our names are on the deedWe both had an agreement about things after he left the house. We have a co-signed home equity loan of about

Timothy Denison
Timothy Denison answered on Aug 20, 2019

Unless his name is on the deed, he has no claim to the property. He will likely be released from the promissory note on the house, but as long as you make the payment, nothing should happen to you.

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