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Texas bankruptcy cases are filed in one of four federal districts (Northern, Southern, Eastern, Western). Texas exemptions — including the homestead exemption under the Texas Constitution and Property Code — often determine whether a Chapter 7 or Chapter 13 filing protects a home or vehicle. Local counsel knows trustee practices in Houston, Dallas, Austin, and San Antonio.
TBLS certifies attorneys in Business Bankruptcy Law and Consumer Bankruptcy Law.
Common Questions
Can I keep my house if I file bankruptcy in Texas?
Texas homestead protections are among the strongest in the country, but mortgages, fraud exceptions, and recent purchases can still put a home at risk. A bankruptcy attorney can map the exemptions to your facts.
What is the difference between Chapter 7 and Chapter 13?
Chapter 7 is a liquidation with a means test. Chapter 13 is a three-to-five-year repayment plan often used to catch up a mortgage or car loan.