Research Legal Information Research Areas of Law Related Links Bankruptcy In Texas Lawyers com There is no magic formula for deciding when bankruptcy is the right choice It is an option you might consider if you Are paying only minimum amounts on your bills Can’t budget yourself out of debt within five years Are getting notices that your mortgage or loans are being foreclosed Have had a severe financial setback such as losing your job or a major client a divorce or a costly illness Bankruptcy does not get rid of all debts You are still responsible for Most recent back Recent large purchases of more than for luxury goods bought within days of filing Fines or penalties of government agencies Fraudulent debts Cash advances of within days of filing As a consumer you can file for bankruptcy in Texas under either to wipe out all debts except those listed and get an immediate fresh start or to set up a repayment plan to pay back your debts over several years’ time New Bankruptcy Law On April the President signed into law the which limits individual access to US bankruptcy courts Some of the effective changes include New bans

Personal Bankruptcy Information Your online reference source for bankruptcy Texas Bankruptcy You may also want to visit your local federal bankruptcy court web site Bankruptcy Information is believed reliable but accuracy and completeness are not guaranteed Nothing in this web site is intended as or should be used as a substitute for professional financial or legal advice copy Bankruptcy Information All Rights reserved Portions of this site reference the U S government publication Bankruptcy Basics

Personal Bankruptcy Information Your online reference source for bankruptcy Texas Exemptions can be used in conjunction with your Texas exemptions and can be viewed In Texas you may choose to use the instead of your state exemptions Also see ASSET EXEMPTION DESCRIPTION LAW SECTION Homestead Unlimited property cannot exceed acre in town village city or acres elsewhere sale proceeds exempt for months after sale May file homestead declaration Property Property Personal Property Athletic and sporting equipment including bicycles firearms home furnishings including family heirlooms food clothing jewelry two three or four wheeled motor vehicle per member of family or single adult who holds a driver’s license horses mules or donkeys and a saddle blanket and bridle for each head of cattle head of other types of livestock fowl and pets to total Burial plots Health aids Property Property Property Insurance Church benefit plan benefits Fraternal benefit society benefits Life health accident or annuity benefits or monies including policy proceeds and cash values to be paid or rendered to beneficiary or insured Life insurance present value if beneficiary is debtor or debtor’s dependent Retired public school employees group insurance Texas employee uniform group insurance Texas state college or university employee

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