The Texas constitution does not allow your wages to be garnished in the state of Texas, however there is a work around. If your employer is out of...

Can I change a secured creditor into a unsecured creditor?

I agree with the other answers. You cannot simply change a creditor from secured to unsecured. If they don't have a proper security agreement then...

Filing an answer will prevent them from obtaining a default judgment. The creditor can agree to a work out plan and would either file the agreement...

Exactly when does the Ch. 13 Stay go into effect?

The automatic stay goes into effect as soon as the bankruptcy was filed. As long as it was entered before the foreclosure you should be able to...

I am being evicted and have the unlawful detainer hearing soon. If I file for Bankruptcy do I still go to hearing?

A bankruptcy filing may be able to temporarily hold off an eviction however you will need to make sure that you list the eviction action on page...

The refund is not specifically exempt under the Texas state exemptions. You may be able to exempt it under the federal exemptions using the "wild...

Could I call the attorney that is suing me for midland and homedepot to settle without going to court or I have to get an attrn

I agree you can contact the attorney to work out a deal. But you should also be sure to file an answer with the court because they may try to get a...

Could the attorney that is suing you represent you ?

This creates a conflict of interest. She cannot represent you and the bank.

Can an overpayment from social security be included in a bankruptcy and be discharged?

Over-payment of social security can be included in your bankruptcy as a general unsecured creditor which would be discharged. The social security...

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Do I have to be "served" first? If I'm not served, what happens?

Texas civil procedure will allow your creditor alternative means of service. Such as serving the citation via mail or other substituted service....