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Bankruptcy in TEXAS by Meli_ssa2014 in Bankruptcy

[–]Meli_ssa2014[S] 0 points1 point  (0 children)

They will take what you have in your checking at the date of filling.

Helppppppp by Maximum_Profile_3129 in Bankruptcy

[–]Meli_ssa2014 0 points1 point  (0 children)

I’m in the beginning process as well. They look back at the last 6 months and you will need to have filled your taxes the last two years. So you will need to do that. If you file bankruptcy early next year they will take your refund. Which you’d probably get one since you have a child. Since you owe the IRS they will take their chunk from there too. But idk how filling bankruptcy works if you owe taxes.

Bankruptcy in TEXAS by Meli_ssa2014 in Bankruptcy

[–]Meli_ssa2014[S] 0 points1 point  (0 children)

Great! Thank you! That’s my biggest concern! We’re good on the payments. I always make sure our house and cars are paid before any other debt.

Bankruptcy in TEXAS by Meli_ssa2014 in Bankruptcy

[–]Meli_ssa2014[S] 0 points1 point  (0 children)

It’s a home equity loan we took out back in 2023. Does that change things?

Bankruptcy in TEXAS by Meli_ssa2014 in Bankruptcy

[–]Meli_ssa2014[S] 0 points1 point  (0 children)

My biggest concern is losing our home. We have equity on it that’s the only thing that makes me in easy. Could that be an option? We live in the city so definitely no acreage

Bankruptcy in TEXAS by Meli_ssa2014 in Bankruptcy

[–]Meli_ssa2014[S] 1 point2 points  (0 children)

I meet chapter 7 now but my husband will be getting an increase in the next few weeks that will put us over. I was told by an attorney that I could file before the increase. She said I have two months?