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...]
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...]
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...]
How Much Does It Cost a Creditor to Sue You In Texas?
When a creditor decides to sue you for unpaid debt, they pay different costs, such as court filing fees and attorney’s fees. You might wonder, “How much does it cost a creditor to sue you?” This article explains those expenses and covers the main factors that affect a creditor’s choice to take legal … [Read more...]
What to Do If Truist Bank Is Suing You for Debt in Texas
Have you been served with a Truist Bank lawsuit over an unpaid debt in Texas? Truist Bank may file a lawsuit to recover money it alleges you owe for a defaulted credit card, loan, or line of credit. Facing a debt collection lawsuit can feel overwhelming, but it is important to understand that you … [Read more...]
What to Know if Facing a First National Bank of Omaha Lawsuit in Texas
Facing a lawsuit from First National Bank of Omaha can be overwhelming and confusing. After being served with lawsuit papers, you may be unsure of your rights, whether you can fight the lawsuit or negotiate, and how to move forward. If you take anything away from this article, it is never to ignore … [Read more...]
Do I Need a Lawyer for a Credit Card Lawsuit? Here’s What You Should Know
As a debt defense attorney here in Texas, I’m familiar with the calls from clients when they realize they can use my help in a credit card lawsuit. Thomas was one of them. After putting off the call for as long as he could, one morning he reached out to me. “Chris, I didn't think it would … [Read more...]
What to Know if Facing a U.S. Bank Debt Collection Lawsuit in Texas
If you are facing a U.S. Bank debt collection lawsuit in Texas, you may believe you have no options against a creditor as big as U.S. Bank. However, you do have legal options available to you to resolve the lawsuit in a favorable way. At Warren & Migliaccio, we defend Texans against debt … [Read more...]
