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 certified one-page abstract of judgment recorded with the county clerk immediately becomes a judgment lien on all non-exempt real property you own—or later buy—in that county. The lien usually lasts ten years and can often be renewed before it expires. Introduction Received notice … [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 JPMorgan 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...]
