If you are seeking specific information about debt relief and bankruptcy in Texas, this is your one-stop shop. Scroll through our list of links and articles from around the Web and you may be able to find the answers you want—or, at least, deepen your understanding of federal bankruptcy law.

Chapter 13 Bankruptcy

Chapter 7 Bankruptcy

  • Market Assets for Sale - Distressed Assets to Buy or Sell by National Association of Bankruptcy Trustees

    This is a website set up by the National Association of Bankruptcy Trustees or NABT that may be of interest to you, if you are a bankruptcy trustee wanting to sell assets, or a buyer of distressed assets.

    This website offers or soon will be offering assets for sale from all types of distressed asset sales, including bankruptcy sales, receiverships, assignments for the benefit of creditors, bank-owned assets and asset forfeitures.

    You must create an account to gain access to the site, and there is a subscription fee if you are not an NABT member, but if buying or selling distressed assets is what you are interested in, this appears to be a website that you will want to mark as one of your favorites.

  • U.S. Dept of Justice: U.S. Trustee Information

    This is one of the websites for the U.S. Trustee's program, the "watchdog" over the entire bankruptcy system. They have some good information available, but to get specific advice about your situation, consult an experienced bankruptcy attorney.

  • U.S. Dept. of Justice: Means Testing in Bankruptcy Proceedings

    The Justice Department provides information about means testing—evaluating a person’s income and assets—which is used to determine eligibility for Chapter 7 bankruptcy.

  • United States Courts: Liquidation Under the Bankruptcy Code

    The federal court system provides an overview of Chapter 7 bankruptcy, covering topics including alternatives, background, eligibility requirements, the legal process, and discharge of debts.

Debt Relief

IRS Problems

  • IRS Tax Center to Assist Unemployed Taxpayers

    Have you lost your job, or are you transitioning between jobs? The Internal Revenue Service has online advice for handling your taxes in the event you become unemployed, so you do not go into debt.

  • IRS: The Taxpayer Advocate Service

    If you have problems with the I.R.S. that you cannot resolve through other parts of the agency, the Taxpayer Advocate's Office (TAO) may be able to help. They are "your voice at the I.R.S."

  • IRS: Main Website

    The Internal Revenue Service (IRS) provides consumers with "a ton" of information, forms and publications on their website. Use the search box to find what you need.

Rebuilding Your Credit

  • FedHome Loan Centers

    FedHome Loan Centers is a home loan company that helps buyers with home financing after bankruptcy. They are an FHA broker comprised of a privately held network of government loan specialists, counselors, Realtors® and mortgage professionals dedicated to empowering customers with sustainable home ownership. They can also help with short sales.

  • Find a Housing Counselor - Do you need help with a mortgage or buying a home?

    Housing counselors can give you free or low-cost advice on buying a home, renting, defaults, foreclosures, and credit issues. The counseling agencies on this list are approved by the U.S. Department of Housing and Urban Development (HUD) and they can offer independent advice about whether a particular set of mortgage loan terms is a good fit based on your objectives and circumstances, often at little or no cost to you.

  • Victim of Identity Theft? This is Federal Trade Commission's Website About It and What do to

    Identity theft happens when someone steals your personal information and uses it without your permission. It’s a serious crime that can wreak havoc with your finances, credit history, and reputation — and can take time, money, and patience to resolve. This website will show you what to do about it.

  • Get Your Free Annual Credit Reports

    Federal law allows consumers to obtain a free credit report every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian, and TransUnion. This doesn't include your scores, but it lets you check for errors which you can then dispute, to keep your reports as accurate as possible. You likely don't need the "monitoring" and other services offered for sale. You can pull your free reports all together, or "stagger" them and request one every four months, if you wish.

  • 720 Credit Score - How To Get the Very Best Interest Rates

    Your 720 Credit Score: credit-building tips the banks wish you didn't know. This 14 lesson video educational course can teach you how to reach a 720 or higher credit score, even if you've filed bankruptcy. It sells for $1,000, but for a limited time we are offering it to our bankruptcy clients for free.

  • Fair Isaac Corporation - "My Fico" - Get Your FICO Scores

    On this website you can order your credit scores, compare all 3, and even learn what to do to increase your scores, at least according to the Fair Isaac Corporation.

Student Loan Issues

Free and Low Cost Help

  • Texas Supreme Court Approved Divorce Forms (Do It Yourself Divorce)

    On November 13, 2012, the Texas Supreme Court approved a set of forms for use in uncontested divorces that do not involve children or real property (an example of real property is a house that you and your spouse own). You don't have to use these forms, but they are available for use if you care to use them.

  • Toni King - Advice and Help about Medicare

    Toni King really knows her stuff about Medicare. If you make a mistake about signing up for Medicare, it can be disastrous. We have clients that have to file bankruptcy because of medical bills!

  • Houston Volunteer Lawyers Program

    Houston Volunteer Lawyers is a non-profit service of the Houston Bar Association.  HVLP provides free legal aid to low-income individuals by connecting them with lawyers in the private bar who volunteer their time.

  • South Texas College of Law Legal Clinics

    South Texas College of Law offers direct representation clinics for their students throughout the academic year.  Currently, STCL is accepting the following types of cases for the clinics: Uncontested Divorces – with or without children; Uncontested Probate Matters; Estate Planning. Potential clients must call or come in to conduct an initial intake.   

  • Lone Star Legal Aid

    LSLA is the fourth largest free legal aid provider in the United States. It serves approximately 60,000 square miles, one-third of the State of Texas, including 72 counties in the eastern and Gulf Coast regions of Texas, and also four counties of southwest Arkansas. In addition to our Houston headquarters, our staff works from 12 branch offices in Angleton, Beaumont, Belton, Bryan, Conroe, Galveston, Longview, Nacogdoches, Paris, Texarkana, Tyler, and Waco.

  • University of Houston Center for Consumer Law

    The Center for Consumer Law is the oldest and most successful program of its kind in the nation. Its mission is simple: to advance the rights of consumers and to help ensure a safe and efficient marketplace.