"Bankruptcy In Texas" Discussion

Upsolve Community Member
Sounds like there's a lot involved here! This article has info on TX repo laws: https://upsolve.org/learn/texas-repo-laws/  Maybe you can get a free consultation with a local consumer protection attorney? This article has a link with some info on how to find a consumer protection attorney: https://upsolve.org/learn/how-do-i-find-an-affordable-bankruptcy-attorney/

Upsolve Community Member
Thank you!!!!

Upsolve Community Member
I'm not that familiar with community property laws, but there's an Upsolve article https://upsolve.org/learn/file-bankruptcy-without-spouse/ that lists some pros and cons of spouses filing together or separately in community property states and the article has information about some of the bankruptcy forms. It might have some useful information for you.

Upsolve Community Member
Here's an article that can help answer that question! https://upsolve.org/learn/responsible-spouse-debt/

Upsolve Community Member
There's a few different factors- so a first step would be reading through and asking yourself some of the questions in there (such as "What type of debt is considered?" or "Was I an authorized user?") and then ask again here if you have any other questions! 

Upsolve Community Member
Thank you. That last article seemed to say that my spouses debt is my debt, and it seems it would be cause a phantom discharge on her debts that she acquired during our marriage.  So the next question would be do i need to list her as a codebtor on all of my accounts and I a codebtor on all of her accounts.  

Upsolve Community Member
This article has information on https://upsolve.org/learn/bankruptcy-effect-on-co-debtor/ that might help answer your question.

Upsolve Community Member
Robin, glad you're here

Upsolve Community Member
The Upsolve tool may be a good fit for you, if you qualify

Upsolve Community Member
You can learn more about Chapter 7 bankruptcy and whether it's a good decision in your circumstances here: https://upsolve.org/learn/should-i-file-for-chapter-7-bankruptcy/

Upsolve Community Member
Whether tax debt is dischargeable depends on the individual circumstances. Factors like when the debt was incurred, what specific type of tax debt it is, and other factors determine dischargeability. 

Upsolve Community Member
You might want to read this article to learn more and see what applies in your case: https://upsolve.org/learn/irs-debt-and-bankruptcy/ 

Upsolve Community Member
Generally speaking, whether a debt is dischargeable doesn't depend on the state- federal rules regulate dischargeability. You can find more info in that article! 

Upsolve Community Member
Hi. Did you do it all yourself or hired a lawyer. Thinking about filing chapter 7 and not sure if I should hire a lawyer or do it myself 

Upsolve Community Member
Congratulations Olakunle! The new year is off to a good start! Thanks for sharing your experience with Upsolve. 

Upsolve Community Member
Hi Taneshia, Yes I filed through Upsolve with $300 court fee. Good luck!

Upsolve Community Member
YESSSSSSS!!!!!  Congratulations Olakunie! Fresh Start in 2022!!! wooohooo! :-)

Upsolve Community Member
Congratulations! Happy 2022!! 

Upsolve Community Member
Conrgrats Olakune! Can you please share with us how long the process took? Also, by not hiring an attorney and going this way, during the whole process, does that stop the creditors from calling or filing judgements?

Upsolve Community Member
Congratulations on your discharge!! Woo hoo! After a hard-earned celebratory breather, you might want to do a quick read of Upsolve's tips in the article https://upsolve.org/learn/chapter-7-discharged/ to start reading up on how to rebuild your credit after bankruptcy. Congrats!! We're so happy for you!!

Upsolve Community Member
May 13, 2021 - completed my Chapter 7 Questionnaire with Upsolve June 26, 2021 - Uploaded all required documents ( Bank statements, ID copies) etc. July 14, 2021 - Filed with court in person, Filing fee $338July 2021 - completed my online Financial Management course Aug 27, 2021 - Teleconference meeting with creditors / Trustees Sept 24, 2021 - rescheduled meeting with Creditors / Trustees Oct 29, 2021 - rescheduled meeting with creditors / Trustees Oct 29, 2021 - Report of No Distribution filed by Trustee Nov 29. 2021 - Order discharging debtor signed Nov 29, 2021 - Final decree signed Dec 1, 2021 - Notice date

Upsolve Community Member
Hi Saed H, It's up to you if you wanna use a lawyer or not but in my experience during my research I figured out that using a lawyer will not make any difference except paying thousands of dollars that I can't afford. Remember you're trying to get rid of debts so you don't wanna end up paying someone money you can't afford. Your creditors will stop calling you as soon as your file with the court. Good luck! 

Upsolve Community Member
How many months of bank statements do you have to provide

Upsolve Community Member
Hi Sereathia D it depends on individual circumstances, in my case my trustees requested for 3 months which must cover the last transaction date on my bank statement...I already got a Charge-Off on my accounts since April 2020 so I visited one of the branches to request for Feb - March - April statements which arrived in the mail about 10 business working days later.