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  • Bankruptcy Exemptions in Texas

    Bankruptcy Exemptions in Texas

    Call: 888-297-6203

    Despite bankruptcy being a federal process, you will be surprised to know that bankruptcy laws vary from state to state. Thus, knowledge about federal as well as state laws concerning bankruptcy is extremely important if you are considering bankruptcy as an option to get rid of your debts. Having experienced attorneys by your side, such as those of Los Angeles based bankruptcy law firm Recovery Law Group, can be an asset in such cases. In case, you are looking for debt relief options and want to know about your state bankruptcy exceptions, you can call 888-297-6023 to schedule an appointment with the best lawyers.

    Exemptions specific for the state of Texas

    In case you reside in Texas and are contemplating filing for bankruptcy, it is important that you are aware of the exemptions available for bankruptcy filers. Many times, people are unaware of the fact that exemptions are available to protect their property during bankruptcy. Unfortunately, they are under the belief that they are either going to lose everything they own, or they will be able to get rid of all their debts. That’s why knowing about exemptions is important!

    When any individual files for bankruptcy, everything they own becomes a part of their bankruptcy estate. If an individual file for Chapter 7, there is some risk for them to lose some property. Non-exempt property is sold off in case of Chapter 7 to pay your unsecured creditors. However, with exemptions in place, you might not lose any property. The state of Texas offers several exemptions including:

    • homestead exemption,
    • motor vehicle exemption,
    • personal property exemption
    • retirement account
    • pension exemption

    The specific dollar amount of these exemptions varies. There are specific criteria to be met for these exemptions to come in force. Since most of this is complicated stuff, it is important that you hire experienced and qualified lawyers Texas to help you with the bankruptcy filing.


      *Are you more than 60 days past due on your mortgage?

      *Do you own a home?

      Are you currently working?

      By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

    • How Bankruptcy Lawyers can Help People Get out of Debts?

      How Bankruptcy Lawyers can Help People Get out of Debts?

      Debts can be daunting, especially if they are huge and have been accumulated without ever getting reduced. In such circumstances, it is extremely difficult to make any plans for the future as a majority of the time is spend trying to find a balance between averting crisis involved debt collectors. In order to break this vicious cycle and get ahead in life, you need to consult bankruptcy lawyers to know how bankruptcy can be of assistance for you in these tough financial times.

      One of the primitive steps that you should take regarding your finances is to be aware of your options. People who are overwhelmed with the staggering debt often find it difficult to manage things despite working hard. For such people, bankruptcy provides a fresh start. To know whether bankruptcy is the best option for you, you need to consult bankruptcy lawyers.

      A free case evaluation by them can help you become aware if bankruptcy can be the way for said relief. This can be enough to restore your peace of mind. Once you are aware of how to control your finances, you can rest with ease.


        *Are you more than 60 days past due on your mortgage?

        *Do you own a home?

        Are you currently working?

        By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

      • Are Debt Collectors Still Harassing You? Here’s What You Can Do

        Are Debt Collectors Still Harassing You? Here’s What You Can Do

        If you are facing economic problems due to which you are unable to make payments on your dues and are being harassed by collection agents, then you are in for luck. As per lawyers of Los Angeles based law firm Recovery Law Group, under certain circumstances, such collectors can be held liable for harassing people and may have to pay the consumer for calling them up on cell phone. According to Bankruptcy Attorney Los Angeles, there are strict laws in place which prohibit the use of automated dialling machines by debt collectors. However, it is important that you recognize the signs of automated dialling before approaching a bankruptcy lawyer near me with the case. Chances are that the collection agency is using an auto-dialler if you have observed:

        • Few moments of silence when you pick the call,
        • Pre-recorded messages play when you pick the call.

        Despite this being a punishable offense, debt collectors get around the rule because many times the creditor inadvertently provides them with the permission to call their cell phone. In case you have provided your cell phone number as the contact number in the original contract, then nobody else can be held liable. This piece of information gives the collectors permission and thereby protects them or the debt buyer from any fine.

        In case, you did not provide your cell number to the debt collector or the creditor in the documents and they obtained it from any other source, then, they can be held liable for the violation of the Telephone Consumer Protection Act (TCPA) every the time they call your cell phone using the auto-dialler. The TCPA violations can result in a $500 fine per violation and even $1500 per call, if the violation is wilfully done.

        Options available to customers who are being harassed by auto-dialled phone calls

        In case the customer had provided their cell phone to the debt collector, but not the original creditor; but now no longer wish to receive any more collection calls on their cell phone can have a way out. They need to send a letter through certified mail to the debt collector, specifically stating “I revoke any permission that I may have ever given you or anyone else to call me on my cell phone about this account. My cell phone number is _____. Never contact call me at this number again.”

        If you want to take legal action against debt collectors for automated calls, you need to prove that these records are a violation of the TCPA. The violation of TCPA occurs as soon as your phone is dialled by the caller. It is therefore important that you maintain a record of any call received, including hang-ups. You can consult a bankruptcy lawyer to help you attain phone logs for tracking TCPA violations.

        Apart from calls, any messages received by the consumer regarding debt collection are also punishable violations under the Fair Debt Collection Practices Act (FDCPA) apart from State consumer laws. If you want the debt collectors answered for the harassment you suffer due to their incessant calls and messages, ensure that you document every call and message received.


          *Are you more than 60 days past due on your mortgage?

          *Do you own a home?

          Are you currently working?

          By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.