Oilton, TX Bankruptcy Law Firms & Lawyers

When you file for bankruptcy, there are a variety of properties that are exempt from the bankruptcy estate, meaning the trustee cannot seize and sell the property to pay your creditors. In Texas, you are allowed to exempt one car for every adult driver in the family household. Thus, to answer your questions: No.

A Chapter 7 Bankruptcy will stay on your credit report for 10 years. You can still apply for a house loan but the chances of getting one without help from someone else co-signing would be small.

Since Chapter 13 means that you'll have a relationship with your attorney for the next five years, I'd recommend that you find a new attorney that is more responsive to your needs. It might not cost you anything, by failing to communicate with you (it's obviously BS that an email was sent that you didn't receive, there is no such thing as a lost email), didn't get your schedules filed on time and didn't fully and completely explain the schedules he wanted you to sign and didn't explain what will happen in a Chapter 13 - he's violated the requirements of a bankruptcy attorney. I recommend that you tell him that you're going to get a new attorney and demand that he refund everything that he paid you. When you ask for a refund, tell him that if you don't have your money back today, you'll file a complaint with the US Trustee's office. The US Trustee's office is responsible for policing bankruptcy attorneys and he knows (or at least every competent attorney knows) that he's screwed this up and the US Trustee will force him to repay your fees and possibly cause him additional problems.