Dripping Springs, TX Bankruptcy Law Firms & Lawyers

If no assets or creditors were left out of the papers that were filed, you do not need to amend the schedules. They are prohibited from contacting you and there may be a violation of the automatic stay if they have. You also do not need to send creditors proof that you have filed or that the debt to them has been discharged. They already got notice that you have filed. Often, one department of a large bank does not know what the other department knows. If a bank tries to collect a debt which has been discharged, there may be a violation of the Federal automatic stay.

There is no way that I am aware of to get a bankruptcy removed from a credit report prematurely. If there was a legal way, everybody would be doing it. One of the ramifications of filing bankruptcy is it can be legally reported on your credit report "up to 10 years." Some creditors may "ignore" your bankruptcy filing after only 2 years, others after 6, etc.- but that is their decision to make. Some creditors (such as high interest car lots) may ignore your credit report almost immediately, proof of a steady job is good enough for them to provide secured financing. But I have no knowledge of how you could remove a bankruptcy after only two years in order to obtain condo financing- the only thing you can do is be up front about it and persuade them you are a good credit risk in spite of your prior bankruptcy.

Generally there is no wage garnishment in Texas. However, once your funds hit your bank account the creditor can serve a writ of garnishment against the bank and seize the funds in the account.