Bankruptcy Attorney HoustonBankruptcy Attorney Houston, Eric Southward has filed over 10,000 bankruptcy Petitions for consumers, families, individuals, and business over the last 15 years. His office is located at 2909 Hillcroft Suite 350 Houston, Texas. You can reach him at (713) 974-1151. His website is located at www.busby-lee.com. Bankruptcy Attorney Houston, Texas Eric Southward files the client’s bankruptcy petition in the Houston or Galveston Division of the Federal Southern District of Texas. There are 7 divisions in the Southern district of Texas and may be found at http://www.txs.uscourts.gov/addresses/. I can help you if you are in the Houston or Galveston Divisions of the Southern District of Texas. The counties which the federal bankruptcy courts are: Austin, Brazos, Colorado, Fayette, Fort Bend, Grimes, Harris, Madison, Montgomery, San Jacinto, Walker, Waller, Wharton, Brazoria, Chambers, Galveston, and Matagorda County. What kind of bankruptcy do you qualify for?
There are two main types of bankruptcies for Houston, Texas families, consumers, and Small business: Chapter 7 allows you to eliminate most unsecured debts in a matter of months in return for giving up all “non-exempt” property — if you have any. Most who file for Chapter 7, have no available non-exempt property or equity. Whatever they still own by the time they file is either protected as exempt, or pledged to a secured creditor as collateral for a debt. Chapter 13 takes 3 to 5 years. Instead of giving up property, you repay a portion of your debts. If you can’t make the required monthly payments, your Chapter 13 bankruptcy fails and your debts will remain (unless you convert to a Chapter 7 bankruptcy). Chapter 13 is commonly used by people who are behind on secured debt payments (e.g., mortgages) and want to propose a Chapter 13 plan to catch up on these payments over time. A mathematical formula called the “means test” establishes an initial determination of the kind of bankruptcy you qualify for: Chapter 7, Chapter 13, or either. This formula takes into account:
If your annual income is less than the Texas median income for your household size, then you can file for Chapter 7 or Chapter 13, (assuming you meet other qualifications). If your income is higher than the state median, you must first complete a long list of expense deductions to estimate what your ‘disposable income’ will be over the next five years. The result of this calculation determines whether you can file for Chapter 7, or are left with Chapter 13 as your only option. Chapter 13 Bankruptcy Houston TexasBankruptcy Attorney Houston Eric Southward files an average of 25 chapter 13 bankruptcies per month in the Houston, Texas. The filing of the chapter 13 bankruptcy is a form of reorganization. Once filed you have will a trustee appointed who will collected monies paid by you and disburse to your creditors. The two trustees and the contact information are: William E. Heitkamp, Chapter 13 Trustee 9821 Katy Freeway, Suite 590 Houston, TX 77024 (713) 722-1200 Phone (713) 722-1211 Facsimile Website Access for Debtor B/K Case www.13datacenter.com Trustee Payment Address: (PUT CASE #) Do send certified funds- money orders or cashier’s checks Do not send cash or personal checks. William E. Heitkamp, Chapter 13 Trustee P.O. Box 740 Memphis, Tennessee 38101-0740 Support staff that assist at 341 is: Debtor Department 341 Desk Barbara [email protected] Ext.3421 On Going Mortgage/WAGE Order/ACH Department: Michael (Dept Supervisor) michael_h @ ch13hou.com Ext.3428 Michelle michelle_d @ ch13hou.com Ext .3438 Shirlie shirlie_w @ ch13hou.com Ext.3439 Jadie jadie_g @ ch13hou.com Ext.3417 Wage Orders Barbara [email protected] Ext.3431 ACH/EFT Mary [email protected] Mary [email protected] Ext.3421 Technical Support: Angelique [email protected] Ext.3435 Southern District (ECF Help Desk) 1-866-358-6201 David G. Peake, Chapter 13 Trustee 9660 Hillcroft, Suite 430 Houston, TX 77096 (713) 283-5400 Phone (713) 852-9084/85 Facsimile (888) 283-2459 Toll Free Number Website Access for Debtor B/K Case www.13datacenter.com Trustee Payment Address: (PUT CASE #) Do send certified funds- money orders or cashier’s checks Do not send cash or personal checks. David G. Peake, Chapter 13 Trustee P.O. Box 2158 Memphis, Tennessee 38101-2158 Support staff that assist at 341 Meeting of Creditors is: Administrative Department: Operations Manager Denise Bostic [email protected] -109 Debtor Department 341 Desk Sara Contreras [email protected] -115 Cecilia Martin [email protected]– 103 Sue Pitts [email protected] -104 Wage Orders (H1 & H4) Karyn Osborne [email protected] -146 -R) Stacey Bauer [email protected] 105 (S-Z) Debtor Counselor Supervisor (H-2 Modification/Post Conf. Dismissal) Leticia Chavez[email protected] -124 Staff Attorneys: Judge Jones Cases Dinorah Gonzalez [email protected] -13 How to file for Chapter 7 Bankruptcy Houston, TexasHow to file for a chapter 7 bankruptcy in Houston, Texas A chapter 7 bankruptcy is a multi task project. Bankruptcy Attorney, Houston, Eric Southward can help is here to help you. You must learn what to do and where to start. Gather paperwork about your finances. You will need to use an attorney to run a means test calculation to gauge your bankruptcy options. Determine how much of your property is exempt property is property that most creditors would not be able to reach to pay your bills. You must attend a credit counseling session before you file. Your forms and schedules must also be prepared as you are filing a lawsuit. The forms are complicated. Mistakes are easy to make. Some mistakes may be forgivable, while others are not. Best to hire a Bankruptcy Attorney Houston, Texas to assist you with the forms. The legal effect of signing the forms is that you are giving testimony in court and thus your creditability is at issue. Lying about your assets or income will get you jail time. 341 Meeting of Creditors in Houston, TexasThe meeting of creditors is change for the creditors to ask you questions about your assets and liabilities. This meeting must be held within 45 days of the file date of the bankruptcy petition. Most of the time no creditors attend. However, if you are in a business or have pending litigation that involves debt, then you may expect creditors to attend. This would be a golden time for the creditors to surprise and catch the debtor off guard. Be prepared. Read over your schedules before the meeting. The Panel Chapter 7 trustees and their contact information for Houston and Galveston Texas are:David J. Askanase, Chapter 7 Trustee Assistant: Brandi E-mail: [email protected] Three Allen Center 333 Clay 29th Floor Houston, TX 77002 Phone: (713) 759-0818 Fax: (713) 759-6834 Trustee Collaborative: Send/Upload documents 10 days prior to the date of the 341 creditors meeting to the following page. Website: https://collaborate.trustesolutions.com/Login.aspx 341 Meeting of Creditors varies every month. Allison D. Byman, Chapter 7 Trustee e-mail : [email protected] Hughes Watter Askanase 333 Clay, 29th Floor Houston, TX 77002 Phone: (713) 328-2834 Fax: (713) 759-6834 Trustee Collaborative: Send/Upload documents 10 days prior to the date of the 341 creditors meeting to the following page. Website: https://collaborate.trustesolutions.com/Login.aspx 341 Meeting of Creditors varies every month. Ben Floyd, Chapter 7 Trustee Assistant: Zoe Dale e-mail: [email protected] 700 Louisiana, Suite 4600 Houston, TX 77002 Phone: (713) 222-1486 Fax: (713) 222-5886 Trustee Collaborative: Send/Upload documents 10 days prior to the date of the 341 creditors meeting to the following page. Website: https://collaborate.trustesolutions.com/Login.aspx 341 Meeting of Creditors varies every month. Eva Engalhart, Chapter 7 Trustee e-mail: [email protected] Ross, Banks, May, Cron & Cavin, PC 2 Riverway, Suite 700 Houston, TX 77056-1918 Phone: (713) 626-1200 Fax: (713) 623-6014 Trustee Collaborative: Send/Upload documents 10 days prior to the date of the 341 creditors meeting to the following page. Website: https://collaborate.trustesolutions.com/Login.aspx 341 Meeting of Creditors varies every month. Joseph Hill, Chapter 7 Trustee Assistant: Bridget Moore e-mail: [email protected] 5851 San Felipe, Suite 950 Houston, TX 77057 Phone: (713) 789-0500 Fax: (713) 974-0344 Trustee Collaborative: Send/Upload documents 10 days prior to the date of the 341 creditors meeting to the following page. Website: https://collaborate.trustesolutions.com/Login.aspx 341 Meeting of Creditors varies every month. Lowell Cage, Chapter 7 Trustee Assistant: Bridget Moore e-mail: [email protected] 5851 San Felipe, Suite 950 Houston, TX 77057 Phone: (713) 789-0500 Fax: (713) 974-0344 Trustee Collaborative: Send/Upload documents 10 days prior to the date of the 341 creditors meeting to the following page. Website: https://collaborate.trustesolutions.com/Login.aspx 341 Meeting of Creditors varies every month. Randy W. Williams, Chapter 7 Trustee Assistant: Nashira Parker; Sandra Nowinski e-mail: [email protected] 333 Clay Street, Suite 3300 Houston, TX 77002 Phone: (713) 654-8111 Trustee Collaborative: Send/Upload documents 10 days prior to the date of the 341 creditors meeting to the following page. Website: https://collaborate.trustesolutions.com/Login.aspx 341 Meeting of Creditors varies every month. Rodney Tow, Chapter 7 Trustee Assistant: Linda Tow E-mail: [email protected] 26219 Oak Ridge Drive The Woodland, TX 77380 Phone: (281) 681-9100 Fax: (281) 681-1441 Trustee Collaborative: Send/Upload documents 10 days prior to the date of the 341 creditors meeting to the following page. Website: https://collaborate.trustesolutions.com/Login.aspx 341 Meeting of Creditors varies every month. Ronald J. Sommers, Chapter 7 Trustee Assistant: Jeanna Poe E-mail: [email protected] 2800 Post Oak Blvd., 61st Floor Houston, TX 77056 Phone: (713) 892-4801 Trustee Collaborative: Send/Upload documents 10 days prior to the date of the 341 creditors meeting to the following page. Website: https://collaborate.trustesolutions.com/Login.aspx 341 Meeting of Creditors varies every month. W. Steve Smith, Chapter 7 Trustee Assistant: Helen Barkhauer E-mail: [email protected] 1250 Four Houston Center 1331 Lamar Houston, TX 77010-3027 Phone: (713) 590-9361 Trustee Collaborative: Send/Upload documents 10 days prior to the date of the 341 creditors meeting to the following page. Website: https://collaborate.trustesolutions.com/Login.aspx 341 Meeting of Creditors varies every month. William G. West, Chapter 7 Trustee Assistant: Natalie E-mail: [email protected] 12345 Jones Road, Suite 120 Houston, TX 77070-4886 Phone: (281) 807-7811 Fax: (281) 807-7822 Trustee DOCLINK: Sent/Upload documents 10 days prior to the date of the 341 creditors meeting. Website: https://doclink.bms7.com/main.aspx 341 Meeting of Creditors varies every month. Janet S. Northrup, Chapter 7 Trustee Assistant: Jose Nieto E-mail: [email protected] 333 Clay Street, 29th Floor Houston, TX 77002-4168 Phone: (713) 759-0818 Trustee E-MAIL: Send documents 10 days prior to the date of the 341 creditors meeting by e-mail only. 341 Meeting of Creditors varies every month. After the Chapter 7 341 meeting of Creditors The creditors have 30 days to object to the claim of exemptions and then 60 days to object to the discharge. You will need to attend a class post-filing which is called debtor education. File any motions to eliminate liens that are voided by the discharge. If you fail to do this, then your credit score will take longer to recover Receive court Discharge Order. After receipt of the discharge order you must get your credit report updated. This is very important even if you do not plan to use credit cards in the future. Your ability to open bank accounts and lease an apartment could be affected. As a Houston Bankruptcy Attorney, it has always been part of my service to assist in the updating of the credit report. Texas Southern District Bankruptcy Court Judge Information Houston & Galveston Divisions The contact information for the Houston, Texas bankruptcy courts are as follows: H-1 Judge Isgur Courtroom 404 341 Meeting of Creditors held every Friday of the month (3rd floor suite 3401). Confirmation Hearing is held every 3rd week of month (Tuesday). Dismissal Hearing is held every 2nd week of month (Wednesday). The deadline to Modify in a dismissal hearing is prior to the dismissal hearing with the exception of debtors that have not made any payments for 3 months straight. If no payment is made has been made, in the past 3 months or debtor has made an attempt to make any kind of payment the case will be dismissed. On Going Mortgage/ ACH Department: Judge Isgur Cases Labresha Haskins [email protected] -153 Danny Lei [email protected] -129 Pre-Confirmations Judge Isgur Docket Supervisor L CHECKS(H-1) Viviene McBayne[email protected] 128 (A-F) H1 Case Analyst Julie Sosa JSosaPeakech13trustee.com 116 (G-L) Theresa McKinney [email protected] 131 (M-R) Stacey Bauer [email protected] 105 (S-Z) Debtor Counselor Supervisor (H1 Modification/Post Conf. Dismissal) Leticia Chavez[email protected] -124 Post-Confirmation Motion to Dismiss Judge Isgur-H1 Marcus Teel [email protected] -141 Staff Attorneys: Judge Isgur Cases Dinorah Gonzalez [email protected] -139 H-2 Judge Jones Courtroom 400 341 Meeting of Creditors held every Wednesdays of the month (3rd floor suite 3401. Confirmation Hearing is held every 3rd week of month (Thursday). Dismissal Hearing is held every 1st week of month (Thursday). The deadline to Modify in a dismissal hearing is prior to the dismissal hearing with the exception of debtors that have not made any payments for 3 months straight. If no payment is made has been made, in the past 3 months or debtor has made an attempt to make any kind of payment the case will be dismissed. Pre-Confirmations Judge Jones Docket Supervisor L CHECKS(H1 & H2) Viviene McBayne[email protected] 128 (A-F) H1 Case Analyst Julie Sosa JSosaPeakech13trustee.com 116 (G-L) Theresa McKinney [email protected] 131 (M-R) Stacey Bauer [email protected] 105 (S-Z) Post-Confirmation Motion to Dismiss Judge Jones(H-2) Marcus Teel [email protected] -141 Modifications Judge Jones(H-2) Casey [email protected] Ext.3425
H-3 Judge Paul Courtroom 401 341 Meeting of Creditors held every Wednesdays of the month (3rd floor suite 3401). Confirmation Hearing is held every Thursday of the month. Dismissal Hearing is held every Thursday of the month. The deadline to Modify in a dismissal hearing is a day prior of the dismissal hearing. Pre-Confirmations Judge Paul (H-3) Dawn H. (Dept Supervisor) [email protected] Ext..3422 Karen [email protected] Ext. 3458 Casey [email protected] Ext. 3425 Stacey [email protected] Ext.3426 Rosie [email protected] Ext.3423 rs pport: Post-Confirmation Motion to Dismiss Judge Paul (H-3) Janet [email protected] Ext.3437 Modifications Judge Paul (H-3) April [email protected] Ext.3451 H-4 Judge Bohm Courtroom 600 341 Meeting of Creditors held every Friday of the month (3rd floor suite 3401). Confirmation Hearing is held every 3rd week of month (Monday). Dismissal Hearing is held every 2nd week of month (Monday). The deadline to Modify in a dismissal hearing is a day prior of the dismissal hearing. On Going Mortgage/ ACH Department: Judge Bohm Cases Lorraine Hernandez [email protected] -143 Ashley Tu [email protected] -140 Pre-Confirmations Judge Bohm Docket Supervisor (H4) Rita Sanchez [email protected]-112 H4 Case Analyst Gladys Saucedo [email protected] -158 Marie Le [email protected] -108 Debtor Counselor Supervisor (H-4 Modification/Post Conf. Dismissal) Joel Pena [email protected] -130 Post-Confirmation Motion to Dismiss Judge Jones(H-2) Marcus Teel [email protected] -141 Post-Confirmation Motion to Dismiss Judge Bohn-H4 Barbara Stewart [email protected] -151 Staff Attorneys: Judge Bohm Cases Richard Aurich [email protected] -156
H-5 Judge Brown Courtroom 403 341 Meeting of Creditors held every Wednesdays of the month (3rd floor suite 3401). Confirmation Hearing is held every 3rd week of the month (Tuesday). Dismissal Hearing is held every 2nd week of the month (Tuesday). The deadline to Modify in a dismissal hearing is a day prior of the dismissal hearing. Pre-Confirmations Judge Brown (H-5) Dee (Dept Supervisor) [email protected] Ext.3430 Jillian [email protected] Ext.3429 Loretta [email protected] Ext.3432 Leticia [email protected] Ext.3427 David [email protected] Ext.3450 rs pport: Post-Confirmation Motion to Dismiss Judge Brown (H-5) Missie [email protected] Ext.3444 Modifications Judge Brown (H-5) Maria [email protected]-Ext.3446 We provide bankruptcy services in the greater Houston metro area including the cities of Katy, Sugarland, Pearland, Friendswood, Clear Lake and Galveston. We also handle cases from The Woodlands, Spring and Tomball and cases in Baytown and Channelview. We handle bankruptcy cases in all of these counties: Brazoria, Chambers, Galveston, Matagorda, Austin, Brazos, Colorado, Fayette, Fort Bend, Grimes, Harris, Madison, Montgomery, San Jacinto, Walker, Waller, Wharton [paypal-donation]
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2024 STANDARD POSSESSION ORDER FOR PARENTS AND CHILDREN
November 21, 2023
