In Texas, most consumer‑debt lawsuits (credit cards, medical bills, personal loans) must be filed within four years from accrual; many promissory notes and certain checks follow six‑year limits under UCC § 3.118. Time‑barred debt buyers cannot sue or revive expired claims. Can creditors sue … [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...]
Abstract of Judgement Texas: How a Simple Filing Becomes a Powerful Lien on Your Property
In Texas, a properly prepared abstract of judgment can create a judgment lien on your non-exempt real property in a county once the abstract is recorded and indexed in that county’s real property records. The lien can also attach to non-exempt real property you later acquire in that county while the … [Read more...]
Can I Exclude a Credit Card from Chapter 7 Bankruptcy? Here’s What You Need to Know
If you’ve ever wondered whether you could keep a credit card out of a chapter 7 bankruptcy to preserve your credit line, you’re not alone. Many people facing overwhelming debt hope to keep at least one credit card as a backup. However, can I exclude a credit card from Chapter 7 bankruptcy? The short … [Read more...]
What to Do if JP Morgan Chase Bank, N.A. Files a Chase Credit Card Lawsuit Against You
If JPMorgan Chase Bank, N.A. sues you for a Chase credit card debt in Texas, don’t panic, but don’t ignore it. Carefully read your papers to make sure they are legitimate court documents and not scams, mark your response deadline, and talk with a Texas debt-defense lawyer right away so you can … [Read more...]
What to Do if Facing an Atlas Credit Lawsuit in Texas
If Atlas Credit is suing you in Texas, file a timely Answer to avoid a default judgment and require Atlas Credit to prove the debt. Your deadline depends on the court listed on your citation. After you respond, you can evaluate options like settlement, bankruptcy, or another resolution based on your … [Read more...]
