Rockwall, TX Bankruptcy Law Firms & Lawyers

It is never a good idea to bank where you have any other credit obligation. And, warning, creditors lie to obtain payment from you. I do not believe the bank can offset your account if all funds are traceable to child support/Social Security benefits, but why take the chance? Change banks.

I would suggest simply sending them your discharge letter and 341(a) letter that was originally sent to you (with all your case info on it). Based on In Re Beasley, even if a creditor was left off due to clerical error, you are still protected because a bankruptcy filing is a public filing so it's as if the whole world is on notice.

First, for you and anyone who reads these questions and answers, you must list all of your assets and all of your debts. Period, no exceptions. You may not pick and choose. With that being said, a Chapter 7 Trustee will be appointed in the case and will determine the value of the car, subtract the various claimed exemptions you choose and whether they are legally sufficient, subtract the amount owed on the vehicle and see if there is equity which needs to be liquidated for the benefit of the creditors in the case. So if the vehicle is worth $19,000 and only you are no the title, then the most you could claim as exempt is $6,000, but that number will certainly be less. Subtract the exempt amount from $19k and subtract the amount owed from the amount after subtracting the exemptions and you have the equity. The larger the equity, the more you have to pay the Trustee. The exemption amount will vary on other factors in your case and I cannot determine that without much more information.