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Texas Bankruptcy

Find a Bankruptcy Lawyer in Texas with our debt relief directory and get a free BK evalution for a loan modification, chapter 7, 11, 13 or debt settlement that could lead to a fresh start. Find out from a local attorney if bankruptcy is the best for your situation. Bankruptcy is a federal legal proceeding in which an individual who cannot pay his or her bills can get a fresh start.

In Texas, bankruptcy protects consumers against lawsuit from creditors, but that protection doesn't start until after you've undergone the mandatory credit counseling session required by the new bankruptcy laws. Until your case is filed with the courts, your lender can continue foreclosure proceedings and credit card debt creditors can still attempt to collect your debts from you. The state of Texas is divided into four bankruptcy districts: Texas Eastern bankruptcy court, Texas Northern bankruptcy court, Texas Southern bankruptcy court, and Texas Western bankruptcy court.

It now costs $200 to file for bankruptcy under chapter 7 and $185 to file for bankruptcy under chapter 13, whether for one person or a married couple. The court may allow you to pay this filing fee in installments if you cannot pay all at once. If you hire an attorney you will also have to pay the attorney's fees.

Avoiding Bankruptcy
Bankruptcy should be your absolute last resort for resolving your financial trouble. Texas chapter 7 bankruptcy laws and Texas chapter 13 bankruptcy laws have changed. It's now harder and more expensive to file for bankruptcy. Debt settlement is an effective way of paying your debts off and never having to worry about them again. Creditors would rather take less than what you owe than to lose it all when you file for bankruptcy. Typically, lenders are also more willing to negotiate a loan modification than to take their chances with a foreclosure on your property. Houston bankruptcy lawyers, Dallas bankruptcy lawyers and other Texas bankruptcy lawyers can explain to you how the new bankruptcy laws can affect your case.

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