San Antonio, TX Bankruptcy Law

San Antonio, Texas 78201
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What You Need To Know About Filing Bankruptcy In Texas

If you're considering filing for bankruptcy in Texas, here are a few things you should know about Texas bankruptcy law.

Three aspects of Texas law significantly affect bankruptcy. The first is the unlimited Homestead exemption; the second is that it offers a $50,000 personal property exemption. And lastly, the fact that Texas does not allow wage garnishment for routine consumer debts.

Each of these aspects sets Texas apart from other states regarding bankruptcy.

Finally, if your income is above the Texas median, your housing expenses come into play when it comes time to complete the means test.

The expense allowances for housing vary widely from county to county in Texas. So, the housing allowance you get in McKinney, Texas is 5x larger than you get if you live in Stonewall County.


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We're here to help you navigate these layers of federal, state, and local rules that come into play when you file bankruptcy in San Antonio, TX.

LegalConsumer.com's "Bankruptcy By Zip Code" website has provided free, local bankruptcy information to more than 10 million consumers since 2006! Let us help you learn how bankruptcy works in San Antonio, TX.


How to File 

Means Test


Bankruptcy Court


Exemptions


Types of Debt

  • Secured Debts: Bankruptcy doesn't get rid of secured debts, but in some cases, it can greatly reduce them. When you file, you'll be asked what you plan to do about your secured debts. Your options are:  -
    • Surrender: Give back the property and wipe out any remaining deficiency balance in bankruptcy. 
    • Redeem: - Come up with the cash to buy the property outright at its current value.. 
    • Reaffirm: - Keep the arrangement you have, and leave this debt unaffected by your bankruptcy.
    • Common Types of Secured Debts:
      • Mortgages
      • Car Loans
      • Judgement Liens:
        • How to "void" them on exempt property.
  • Unsecured Debts: Most unsecured debts, like credit cards and medical debts, can be discharged in bankruptcy.
    • Credit Card Debt
    • Medical Debt
    • Personal Loans
    • Payday loans
  • Unsecured Debts that require extra steps:

Lawyers Near Me


DIY Solutions

  • UpSolve: Upsolve is a new way to file for bankruptcy that is well-suited to debtors with little or no property.
  • SoloSuit: If you've been sued for debt, SoloSuit can help you stave off a wage garnishment. 

Note: This website is updated as time permits. It is up to you to contact your local court and confirm and update any information you need. Information is not advice. See a bankruptcy lawyer for advice about how the law relates to your situation.




San Antonio, TX
Bankruptcy by Zip Code

Basics
Bankruptcy Basics

How to File
How To File Bankruptcy

Courts
Texas Western District Bankruptcy Court Info

Forms
Bankruptcy Forms

Means Test
Means Test Calculator
Income & Expenses

Debts
Debts & Dischargeability

Student Loans
Student Loans

Exemptions
Property, Exemptions & Liens

Exemptions
Exemptions By Category

BK Exemptions FAQ
Bankruptcy Exemptions FAQ

Lawyers
Bankruptcy Lawyers & Other Help

News
Bankruptcy News



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