Texas law protects key assets from most judgment creditors: your homestead, current wages, federal benefits, most retirement accounts, and specified personal property capped at $50,000 for single adults or $100,000 for families. Non-exempt property may be levied or frozen after judgment. … [Read more...]
If Someone Sues You, Can They Take Your House in Texas?
In Texas, creditors cannot force the sale of your primary homestead, since the Texas Constitution shields unlimited equity on up to 10 urban acres (100 rural; 200 for families). However, they may record a judgment lien that you must clear before refinancing or selling. Quick Answer: How do I … [Read more...]
How Do I Vacate a Default Judgment in Texas? A Step-by-Step Guide for North Texas Families
Quick Answer: How do I vacate a default judgment in Texas? If you receive a default judgment, file a motion for new trial within 30 days, or if later, pursue a restricted appeal within six months or file a bill of review within four years. File a motion for new trial within 30 days under … [Read more...]
What Courts Handle Debt Collection Cases in Texas? A Complete Guide
Quick Answer: What courts handle debt collection cases in Texas? If you owe ≤ $20,000, file in Justice Court; for $20,001–$250,000, file in County Court at Law; over $250,000 or seeking injunctions, file in District Court. Justice Court (Tex. R. Civ. P. 502.5): debts ≤ $20,000. County … [Read more...]
Chances of Winning a Credit Card Lawsuit in Texas
Quick Answer: How do I win a credit-card lawsuit in Texas? Beat a Texas credit-card suit by answering on time, making the plaintiff prove it owns the debt, and raising every defense the law allows. File a written Answer within 14–20 days of service to stop default. Demand … [Read more...]
Abstract of Judgement Texas: How a Simple Filing Becomes a Powerful Lien on Your Property
Abstract of judgment in Texas. A certified, one-page summary of a money judgment recorded with the county clerk immediately becomes a judgment lien on all non-exempt real property the debtor owns—or later buys—in that county. The lien lasts ten years but may be renewed before it … [Read more...]
How Long Does a Judgment Last in Texas?
As an experienced debt defense attorney here in Texas, I know how long does a judgment last in Texas after my clients think they're in the clear. Nathan called me one day after learning that a judgment—over ten years old—had been revived. “Chris, things have been great. I’m making so much money … [Read more...]
Can Credit Card Companies Take Your House? What Texas Homeowners Need to Know
If you’re drowning in credit card debt, you might be wondering: can credit card companies take your house? Many homeowners are facing financial difficulties and worry about losing their homes due to credit card debt. That’s a fear for many Texas homeowners, especially when bills pile up and you … [Read more...]
What Is Zombie Debt? A Complete Guide to Understanding and Handling Old Debts
As an experienced debt defense attorney here in Texas, I’ve received many calls from clients about a debt they thought was long dead but then suddenly resurfaces and comes back to life. Lydia’s a perfect example. “Chris, I’m getting these terrible flashbacks to when I was dealing with … [Read more...]
Can I Be Sued Twice for the Same Debt in Texas?
Imagine paying off an old credit card balance, then getting sued again by a new debt collector. I’ve seen this happen many times in Texas. Errors in the debt collection process, like lost paperwork or database mistakes, can cause multiple lawsuits for the same debt. Texas has borrower-friendly … [Read more...]
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