Bankruptcy in Texas

Resources for filing bankruptcy in Texas

Welcome to the Bankruptcy in Texas page, your source for Texas-related bankruptcy resources and information.

Be aware that bankruptcy laws and requirements differ from state to state. If you are not a resident of Texas, please consult the bankruptcy resources for your state via the links on the left side of this page.

Texas Bankruptcy Law

Provides an overview of bankruptcy laws in Texas as well as common Texas bankruptcy exemptions.

Texas Bankruptcy Exemptions

The U.S. Bankruptcy Code allows individuals to exempt certain property from creditors based on either federal or state-level exemptions. Specific exemptions (and amounts) vary from state to state.

Texas bankruptcy law allows residents to choose between using either the federal set of exemptions or the state set of exemptions. Texas bankruptcy exemptions include:

Homestead 100% homestead exemption
Automobile One vehicle 100% exempt (value included in the personal property exemption of $60,000)
Other Property Personal property in the aggregate amount of $60,000 – can include firearms, livestock, home furnishings, clothing, jewelry (with some restrictions), and farming/ranching vehicles
Other Pensions, public benefits, and insurance

For more detailed information regarding exemptions and bankruptcy laws in Texas, your best bet is to consult with a Texas bankruptcy attorney.

Bankruptcy Attorney Texas

In case you don’t want to go it alone, detailed resources and referral links assisting you in finding a Texas bankruptcy attorney. Includes resources and links for several major Texas cities.

It’s feasible to file bankruptcy on your own, but there are advantages of both convenience and expertise to using the services of a bankruptcy attorney. Texas bankruptcy lawyers can help make your life a whole lot simpler in a relatively short time.

To find a Texas bankruptcy attorney in your area, you have a few options.

One option is to contact your local county bar association. A partial list of local bar associations in Texas is maintained here.

You can also contact the State Bar of Texas:

State Bar of Texas
1414 Colorado St.
Austin, TX 78701
Telephone: (512) 427-1463
Toll Free: (800) 204-2222

The State Bar of Texas also maintains an online lawyer referral service.

Based on income, free bankruptcy advice and representation may also be obtained in the state of Texas. See the Texas Lawyers Help’s website for a list of organizations that provide legal services to low-income clients in Texas.

Debt Management Credit Counseling Texas

All bankruptcy filers are required by law to receive pre-bankruptcy credit counseling as well as post-filing debtor education. Find approved Texas credit counseling providers and approved Texas debtor education agencies here.

As part of the bankruptcy laws that were put into place in 2005, individuals filing bankruptcy in Texas (with some limited exceptions) are required to receive mandatory credit counseling.

Texas Credit Counseling Debtor Education Agencies

Per the new bankruptcy laws of 2005, Texas residents seeking to file bankruptcy must:

  • Complete a credit counseling course from an approved Texas credit counseling provider prior filing bankruptcy (within six months of filing); and
  • Complete a debtor education course from an approved Texas debtor education agency prior to receiving a bankruptcy discharge (within 45 days of the 341 meetings with creditors for Chapter 7 filers).

In layman’s terms, you’re simply required to receive pre-filing and post-filing credit counseling. The sessions or courses are pretty straightforward. The pre-filing credit counseling typically takes less than two hours; the post-filing debtor education course is a little more involved and may take a bit longer.

The counseling course and the education course each typically costs $50 or less (spouses must each receive their own certificate), although if your income is less than 150% of the federal poverty level, you may qualify for a reduction or waiver for both courses.

One question a lot of people have is what impact will be receiving credit counseling have on their credit score? The answer? None. And just because you get credit counseling, doesn’t mean you have to file bankruptcy.

If you’re struggling with debt and not sure what to do, credit counseling may be something to seriously consider. You get non-biased information from a nonprofit agency, allowing you to learn more about bankruptcy as well as alternatives to bankruptcy.

Texas Bankruptcy Means Test

Do you qualify to file Chapter 7 bankruptcy in Texas? Review the Texas Bankruptcy Means Test requirements here.

Texas Bankruptcy Court

Texas Bankruptcy Courts are first divided into four districts and then further divided into numerous divisions. This page provides detailed contact information to assist you in determining where you would file.

Bankruptcy courts in Texas are divided into four districts: Northern, Southern, Western, and Eastern. Each district is comprised of several divisions, and each division covers numerous counties.

Generally, it will be your county of residence that determines in which Texas bankruptcy district and division that you would file your bankruptcy petition. Be aware that if either the location of your principal place of business or the location of your primary assets is different from your county of residence, those may be a factor in determining where you should file.

Texas Bankruptcy Court – Northern District

Counties of Jurisdiction:

  • Abilene Division – Callahan, Eastland, Fisher, Haskell, Howard, Jones, Mitchell, Nolan, Shackelford, Stephens, Stonewall, Taylor and Throckmorton Counties
  • Amarillo Division – Armstrong, Briscoe, Carson, Castro, Childress, Collingsworth, Dallam, Deaf Smith, Donley, Gray, Hall, Hansford, Hartley, Hemphill, Hutchinson, Lipscomb, Moore, Ochiltree, Oldham, Parmer, Potter, Randall, Roberts, Sherman, Swisher and Wheeler Counties
  • Dallas Division – Dallas, Ellis, Hunt, Johnson, Kaufman, Navarro and Rockwall Counties
  • Fort Worth Division – Comanche, Erath, Hood, Jack, Palo Pinto, Parker, Tarrant and Wise Counties
  • Lubbock Division – Bailey, Borden, Cochran, Crosby, Dawson, Dickens, Floyd, Gaines, Garza, Hale, Hockley, Kent, Lamb, Lubbock, Lynn, Motley, Scurry, Yoakum and Terry Counties
  • San Angelo Division – Brown, Coke, Coleman, Concho, Crockett, Glasscock, Irion, Menard, Mills, Reagan, Runnels, Schleicher, Sterling, Sutton and Tom Green Counties
  • Wichita Falls – Archer, Baylor, Clay, Cottle, Foard, Hardeman, King, Knox, Montague, Wichita, Wilbarger, and Young
Abilene Cases and pleadings need to be filed at the Lubbock office (information below).
Amarillo U.S. Bankruptcy Court
624 South Polk –
Suite 100
Amarillo, TX 79101-2389
Same (806) 324-2302
Dallas U.S. Bankruptcy Court
Earle Cabell Building, U.S. Courthouse
1100 Commerce Street
Room 1254
Dallas, TX 75242-1496
Same (214) 753-2000
Fort Worth U.S. Bankruptcy Court
Eldon B. Mahon U.S. Courthouse
501 W. Tenth Street
Fort Worth, TX 76102-3643
Same (817) 333-6000
Lubbock U.S. Bankruptcy Court
306 Federal Building
1205 Texas Avenue
Lubbock, TX 79401-4002
Same (806) 472-5000
San Angelo Cases and pleadings need to be filed at the Lubbock office (information above).
Wichita Falls Cases and pleadings need to be filed at the Dallas office (information above).

Texas Bankruptcy Court – Southern District

Counties of Jurisdiction:

Brownsville Division – Cameron and Willacy Counties

Corpus Christi Division – Aransas, Bee, Brooks, Duval, Jim Wells, Kenedy, Kleberg, Live Oak, Nueces and San Patricio Counties

Galveston Division – Brazoria, Chambers, Galveston and Matagorda Counties

Houston Division – Austin, Brazos, Colorado, Fayette, Fort Bend, Grimes, Harris, Madison, Montgomery, San Jacinto, Walker, Waller and Wharton Counties

Laredo Division – Jim Hogg, La Salle, McMullen and Zapata Counties

McAllen Division – Hidalgo and Starr Counties

Victoria Division – Calhoun, DeWitt, Goliad, Jackson, Lavaca, Refugio and Victoria Counties

Brownsville U.S. Bankruptcy Court
U.S. Courthouse
600 E. Harrison Street
Suite 101
Brownsville, TX 78520
Same (956) 548-2500
U.S. Bankruptcy Court
1133 N. Shoreline Blvd.
Corpus Christi, TX 78401
Same (361) 888-3484
Galveston U.S. Bankruptcy Court
601 Rosenberg, Room 411
Galveston, TX 77550
U.S. Bankruptcy Court
PO Drawer 2300
Galveston, TX 77553
(409) 766-3530
Houston U.S. Bankruptcy Court
515 Rusk Avenue
Houston, TX 77002
U.S. Bankruptcy Court
PO Box 61010
Houston, TX 77208
(713) 250-5500
Laredo U.S. Bankruptcy Court
U.S. Courthouse
1300 Victoria Street,
Suite 1131
Laredo, TX 78040
Same (956) 723-3542
McAllen U.S. Bankruptcy Court
Bentsen Tower
1701 W. Bus. Hwy. 83
Suite 1011
McAllen, TX 78501
U.S. Bankruptcy Court
PO Box 5059
McAllen, TX 78501
(956) 618-8065
Victoria U.S. Bankruptcy Court
Martin Luther King Jr. Federal Building
312 S. Main, Room 406
Victoria, TX 77901
U.S. Bankruptcy Court
PO Box 1638
Victoria, TX 77902
(361) 788-5009

Texas Bankruptcy Court – Western District

Counties of Jurisdiction:

Austin Division – Bastrop, Blanco, Burleson, Burnet, Caldwell, Gillespie, Hays, Kimble, Lampasas, Lee, Llano, Mason, McCulloch, San Saba, Travis, Washington and Williamson Counties

El Paso Division – El Paso County

Midland Division – Andrews, Brewster, Crane, Culberson, Ector, Hudspeth, Jeff Davis, Loving, Martin, Midland, Pecos, Presidio, Reeves, Upton, Ward and Winkler Counties

San Antonio Division – Atascosa, Bandera, Bexar, Comal, Dimmit, Edwards, Frio, Gonzales, Guadalupe, Karnes, Kendall, Kenney, Kerr, Maverick, Medina, Real, Terrell, Uvalde, Val Verde, Wilson and Zavala Counties

Waco Division – Bell, Bosque, Coryell, Falls, Freestone, Hamilton, Hill, Leon, Limestone, McLennan, Milam, Robertson and Somervell Counties

Austin U.S. Bankruptcy Court
Homer J. Thornberry Federal Judicial Bldg.
903 San Jacinto Blvd.,
Suite 322
Austin, TX 78701
Same (512) 916-5237
El Paso U.S. Bankruptcy Court
8515 Lockheed
El Paso, TX 79925
U.S. Bankruptcy Court
PO Box 971040
El Paso, TX 79997
(915) 779-7362
Midland U.S. Bankruptcy Court
U.S. Post Office Annex
100 East Wall Street
Room P-163
Midland, TX  79701
Same (432) 683-1650
San Antonio U.S. Bankruptcy Court
U.S. Courthouse
615 East Houston Street,
Room 137
San Antonio, TX 78205
U.S. Bankruptcy Court
PO Box 1439
San Antonio, TX 78295
(210) 472-6720
Waco U.S. Bankruptcy Court
800 Franklin Avenue
Suite 140
Waco, TX 76701
Same (254) 750-1513

Texas Bankruptcy Court – Eastern District

Counties of Jurisdiction:

  • Beaumont Division – Hardin, Jasper, Jefferson, Liberty, Newton and Orange Counties
  • Lufkin Division – Angelina, Houston, Nacogdoches, Polk, Sabine, San Augustine, Shelby, Trinity and Tyler Counties
  • Marshall Division – Camp, Cass, Harrison, Marion, Morris and Upshur Counties
  • Sherman Division – Collin, Cooke, Delta, Denton, Fannin, Grayson, Hopkins and Lamar Counties
  • Texarkana Division – Bowie, Franklin, Red River and Titus Counties
  • Tyler Division – Anderson, Cherokee, Gregg, Henderson, Panola, Rains, Rusk, Smith, Van Zandt and Wood Counties
Beaumont U.S. Bankruptcy Court
Suite 100
300 Willow Street
Beaumont, TX 77701
Same (409) 839-2617
Lufkin U.S. Bankruptcy Court
Suite 100
300 Willow Street
Beaumont, TX 77701
Same (409) 839-2617
Marshall U.S. Bankruptcy Court
9th Floor
110 North College Ave
Tyler, TX 75702
Same (903) 590-3200
Sherman U.S. Bankruptcy Court
Suite 300B
660 North Central Expressway
Plano, TX 75074
Same (972) 509-1240
Texarkana U.S. Bankruptcy Court
Suite 300B
660 North Central Expressway
Plano, TX 75074
Same (972) 509-1240
Tyler U.S. Bankruptcy Court
9th Floor
110 North College Ave
Tyler, TX 75702
Same (903) 590-3200


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