Best Bankruptcy Lawyers Killeen, TX

Killeen, TX Bankruptcy FAQs

• Where do I file for bankruptcy in Killeen, Texas?

  You can file for bankruptcy in Killeen at the United States Bankruptcy Court for the Western District of Texas. It has branches in different cities: -Austin: 903 San Jacinto, Ste 322, Austin, TX 78701 -El Paso: 511 E. San Antonio Ave., Suite 444, El Paso, TX 79901 -Midland (unstaffed office): 615 E. Houston St, Rm 597, San Antonio, TX 78205 -San Antonio: 615 E. Houston St, Ste 546, San Antonio, TX 78205 -Waco: 800 Franklin Ave, Ste 140, Waco, TX 76701

• Where can I get bankruptcy forms in Killeen, Texas?

  You can obtain Killeen bankruptcy forms from the United States Bankruptcy Court for the Western District of Texas website. You can access and download forms using this link: https://www.txwb.uscourts.gov/forms

• How can you be an eligible bankruptcy filer in Killeen?

  Federal law has provided certain criteria for Killeen individuals and businesses to be eligible bankruptcy filers. To be an eligible bankruptcy filer, you must provide proof of financial hardship due to high levels of debt resulting from life event changes. You also need to make efforts to pay your debts and have enough income to cover your repayment plans. In addition, you need to complete credit counseling courses.

• If you have received a foreclosure notice in Killeen, can you file a mortgage modification application instead of filing for bankruptcy?

  Yes. You can file for a mortgage modification application instead of filing for bankruptcy if you have received a foreclosure notice in Killeen. To file for a mortgage modification application, you should work with a bankruptcy attorney. You have to complete a home loan modification application 37 days prior to a foreclosure sale to stop the sale while your mortgage servicer reviews your application.

• How is military bankruptcy in Killeen different from civilian bankruptcy?

  Military bankruptcy in Killeen involves the Bankruptcy Abuse Prevention and Consumer Protection Act. Individuals on duty and Reserve and National Guard members can file for chapter 7 bankruptcy without having to pass the means test. Disabled veterans who are 30% disability-rated and who obtained half of their debt while on their duty can also not undergo the means test.

• Are debt consolidation agencies more helpful than filing for bankruptcy in Killeen?

  Some think that debt consolidation agencies in Killeen can help them with their debts. However, if you work with consolidation agencies, you will pay for their fees to negotiate payment plans with your creditors, and they cannot stop interests and fees. Unfortunately, your creditors can still file lawsuits against you.

• What kind of debt do you still owe after bankruptcy in Killeen?

  Not all debts in Killeen are dischargeable. These include most criminal fines, restitution orders, penalties for traffic violations, drunk driving injury claims, and money borrowed by fraud or false pretenses. Debts that are also not dischargeable are taxes, child and spousal maintenance or support, and student loans. However, monthly payments for student loans can be reduced.