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Bankruptcy Law Overview
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| Lawyers & Law Firms |
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Articles |
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| Laws & Statutes |
- Bankruptcy (& Related) Laws - Federal
- Bankruptcy Code
Bankruptcy is a product of federal law. The bankruptcy laws are contained in Title 11 (and 11A) of the United States Code. The United States Government Printing Office provides online access to the Code. - Acts for Debt Collection
Bankruptcy law is found in Title 11 of the United States Code. However, certain other federal laws may affect a debtor's decision to file for bankruptcy protection. For example, a debtor may consider a creditor's ability to collect and report on his debts under the Federal Fair Debt Collection Act and the Consumer Credit Protection Act (Title 15 of the U.S. Code). The Federal Trade Commission provides online access to Code.
- Bankruptcy (& Related) Laws - State
- Texas Statutes - Debt Collection (CPRC & Finance Code)
Bankruptcy is a product of federal law. However, certain state laws - specifically those pertaining to a creditor's ability to collect a debt - may affect a debtor's decision to file for bankruptcy. The Texas Civil Practice & Remedies Code contains some of the state's laws pertaining to debt collection - Ch. 34 (Execution on Judgments), Chs. 61-66 (Extraordinary Remedies) and Ch. 16 (Statute of Limitations for Filing Suit). The Texas Finance Code contains the Texas Debt Collection Act. The Texas State Legislature provides online access to the Codes. The Codes are downloadable in pdf and Word formats. - Texas Property Code - Statutory Liens
Bankruptcy is a product of federal law. However, certain state laws come into play as well. For example, one issue that may arise during a bankruptcy case is whether a debtor's property is subject to any statutory liens and what, if anything, the debtor can do to remove them. Texas laws relating to the validity of, the requirements for placing, and the effects of bankruptcy on, statutory liens against a debtor's property are found in the Texas Property Code (specifically, but not limited to, Title 5). The Texas Legislature provides online access to the Code. The Code is downloadable in pdf and Word formats. - Texas Property Code - Exempt & Non-Exempt Property
Bankruptcy is a product of federal law. However, certain state laws come into play as well. For example, one issue that arises during a bankruptcy case is whether certain property is "exempt" or "non-exempt." In a Chapter 7 proceeding, a debtor can keep "exempt" property but must relinquish "non-exempt" property (if he has any; most Chapter 7 debtors do not) to pay his creditors. In a Chapter 13 proceeding, a debtor is not required to relinquish any property, but he must pay certain creditors at least as much as the value of his "non-exempt" property. State law determines whether property is "exempt" or "non-exempt." For Texas, the laws can be found in the Property Code (Ch 41 and Ch 42). The Texas State Legislature provides online access to the Code. The Code is downloadable in pdf or Word formats.
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| Government, Agencies & Courts |
- U.S. Bankruptcy Court - Western District of Texas
The official site of the United States Bankruptcy Court for the Western District of Texas. The Court has several locations ("divisions"): Austin, El Paso, Midland, San Antonio, and Waco. Each location serves different counties. The website provides a variety of helpful information and useful links. - U.S. Bankruptcy Court - Southern District of Texas
The official site of the United States Bankruptcy Court for the Southern District of Texas. The Court has several locations ("divisions"): Brownsville, Corpus Christi, Galveston, Houston, Laredo, McAllen, and Victoria. The website provides a variety of helpful information and useful links.
- U.S. Bankruptcy Court - Northern District of Texas
The official site of the United States Bankruptcy Court for the Northern District of Texas. The Court has several locations: Abilene, Amarillo, Dallas, Fort Worth, Lubbock, San Angelo, and Wichita Falls. Each location services different counties. The website provides a variety of helpful information and useful links. - U.S. Bankruptcy Court - Eastern District of Texas
The official site for the United States Bankruptcy Court for the Eastern District of Texas. The Court has several locations ("divisions")(7 total): Beaumont, Lufkin, Paris, Sherman, Texarkana, Marshall, and Tyler. Each location services different counties (43 total). The website provides a variety of helpful information and useful links.
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| Related Resources |
- Credit - Building & Rebuilding
- Payday Loans = Costly Cash
Publication provided by the federal trade commission about the dangers and disadvantages of "Payday" loans. - Mortgage101.com
Mortgage 101.com provides information on obtaining home loans through a variety of sources, including sub-prime lenders, as well as information on building, maintaining, and rebuilding credit. - Bankrate.com
Bankrate.com provides information on mortgage rates, CD rates, auto loans, credit cards, mortgages, personal finances and more.
- Credit - Reports & Repair
- TransUnion.com
Experian, Equifax, and TransUnion are the three major credit bureaus. TransUnion's site offers online access to your credit report, credit management and education services, and a variety of other helpful information and useful links.
- Experian.com
Experian, Equifax, and TransUnion are the three major credit bureaus. Experian's site offers online access to your credit report, credit management and education services, and a variety of other helpful information and useful links. - Equifax.com
Experian, Equifax, and TransUnion are the three major credit bureaus. Equifax's site offers online access to your credit report, credit management and education services, and a variety of other helpful information and useful links.
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John Saitis Law Offices of John Saitis, PLLC (817) 881-4529 Fort Worth, TX |
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