Debt Relief
What you’ll find in this section is honest discussion of debt relief options available to Texans. From bankruptcy to alternatives, these articles explain when relief makes sense, what actually works, and how to avoid common traps that promise quick fixes.
Will I Still Get Child Support if the Other Parent Files Bankruptcy?
The Short Answer No, you will still get child support if the other parent files bankruptcy. Bankruptcy cannot erase child support in Texas. The law treats it as a protected, high-priority obligation that survives Chapter 7 in full. The back support they owe stays owed,…
Can Social Security Be Garnished for Debt in Texas?
The Short Answer For most everyday debt like credit cards and medical bills, no, creditors cannot garnish your Social Security in Texas, even if they sue you and win. Federal law protects it. A few debts are exceptions, like federal taxes and child support. Your…
Can I Give Money to Family Before Filing Bankruptcy in Texas?
The Short Answer No. Money you give to family before filing bankruptcy in Texas can be clawed back by the trustee, sometimes years after the transfer. Family members are treated as insiders under federal law, which means the lookback windows are longer and the scrutiny…
Do You Pay Taxes on Debt Discharged in Bankruptcy in Texas?
The Short Answer No. Under IRS Topic 431, debt canceled in a Title 11 bankruptcy case is excluded from your gross income. That means a Chapter 7 discharge is not taxed. Debt canceled outside of bankruptcy, such as through a settlement with a credit card…
Am I Being Sued by Jefferson Capital Systems?
The Short Answer Yes. Jefferson Capital Systems is a real debt buyer and they really are suing you or preparing to. In Texas, you have until 10:00 am on the Monday after 20 days from the date you were served to file a written answer,…
Can Bankruptcy Get Rid of a Judgment Against Me in Texas?
The Short Answer Yes. Bankruptcy clears a judgment in Texas by discharging the debt behind it. Chapter 7 wipes out the debt in three to four months. If a creditor placed a judgment lien on your homestead, bankruptcy can strip that lien off entirely under…
Can a Debt Collector Freeze My Bank Account in Texas?
The Short Answer Yes. A debt collector can freeze your bank account in Texas, but only after they sue you, win a judgment, and get a court order called a writ of garnishment. Texas blocks wage garnishment for most consumer debts, but that protection ends…
How Long Can a Debt Collector Come After You in Texas?
The Short Answer In Texas, a debt collector has four years to sue you on most consumer debts, counting from the date of your last payment or first default. After the four years pass, the debt is time-barred. Collectors can still contact you, but they…
Can You File Bankruptcy on Buy Now Pay Later Debt in Texas?
The Short Answer Yes. You can file bankruptcy on buy now pay later debt in Texas. Klarna, Affirm, Afterpay, Sezzle, and PayPal Pay Later balances are unsecured consumer debts, and they are generally dischargeable in a Chapter 7 case. You must list every account, no…
Is Medical Debt Still on My Credit Report?
The Short Answer Yes. Medical debt can still appear on your credit report in Texas. Paid medical collections and unpaid balances under $500 have been removed by the credit bureaus. Unpaid medical debt over $500 can still be reported. A federal rule that would have…
Let’s Talk About a Fresh Start
If you’re facing overwhelming debt, the team at Bankruptcy Texas is here to help you file for bankruptcy with confidence and dignity. From start to finish, we provide the legal guidance and resources you need to move forward. We offer a free consultation to review your situation, explain your legal options, and answer your questions. If you are ready to take the next step toward financial recovery, we are ready to help.
We serve clients across Texas from our offices in Arlington, Midlothian, Lubbock, and Cleburne, as well as surrounding cities including Dallas, Fort Worth, and Grand Prairie.
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