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Bankruptcy Attorney, Houston

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Bankruptcy Attorney Houston

Bankruptcy 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?

Texas Median Income
If your average monthly income for the past six months is below the state median for your size household, you meet the requirements of the “means test” (section 707(b)(2) of the bankruptcy code) to qualify for Chapter 7 Bankruptcy.

Median Income standards effective November 1, 2012

Monthly

Annual

Persons in Household

1

$3,366

$40,389

2

$4,564

$54,762

3

$4,940

$59,276

4

$5,494

$65,932

5

$6,119

$73,432

6

$6,744

$80,932

7

$7,369

$88,432

8

$7,994

$95,932

9

$8,619

$103,432

10

$9,244

$110,932

Source: U.S. Trustee, U.S. Department of JusticeNote. The means test is but one of several hoops you must jump through. Even if your income is low, a judge can prevent you from filing Chapter 7 if it appears that you have enough income to repay a substantial portion of your debts in a 3-year Chapter 13 plan.

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:

  • your monthly income
  • the amount and kind of your debts, and
  • other aspects of your financial situation.

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 Texas

Bankruptcy 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 barbara_w@ch13hou.com 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 barbara_w@ch13hou.com Ext.3431

ACH/EFT

Mary mary_i@ch13hou.com Mary mary_i@ch13hou.com Ext.3421

Technical Support:

Angelique angelique_h@ch13hou.com 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  DHB@Peakech13trustee.com -109

Debtor Department   341 Desk

Sara Contreras SContreras@Peakech13trustee.com -115

Cecilia Martin   CMartin@Peakech13trustee.com– 103

Sue Pitts                      SuePitts@Peakech13trustee.com -104

Wage Orders (H1 & H4)

Karyn Osborne  kOsborne@Peakech13trustee.com -146

-R)

Stacey Bauer          SBauer@Peakech13trustee.com           105  (S-Z)

Debtor Counselor Supervisor (H-2 Modification/Post Conf. Dismissal)

Leticia ChavezLChavez@Peakech13trustee.com -124

Staff Attorneys:

Judge Jones Cases

Dinorah Gonzalez DGonzalez@Peakech13trustee.com -13

 

How to file for Chapter 7 Bankruptcy Houston, Texas

How 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, Texas

The 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: bnb@hwa.com

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 : abyman@hwa.com

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: zdale@munsch.com

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: eengelhart@rossbanks.com

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: trustee2@cagehill.com

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: trustee2@cagehill.com

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: nashira.parker@tklaw.com

Sandra.nowinski@tklaw.com

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: ltow@towkoenig.com

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: jpoe@nathansommers.com

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: bankruptcytrustee@mcfall-law.com

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: bwestcpa@sbcglobal.net

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: jln@hwa.com

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 LHaskins@Peakech13trustee.com -153

Danny Lei       DLei@PeakeCh13trustee.com -129

Pre-Confirmations

Judge Isgur Docket Supervisor   

L CHECKS(H-1)

Viviene McBayneVMcBayne@Peakech13trustee.com      128  (A-F)

H1 Case Analyst

Julie Sosa JSosaPeakech13trustee.com              116  (G-L)

Theresa McKinney TMckinney@peakech13trustee.com  131  (M-R)

Stacey Bauer          SBauer@Peakech13trustee.com           105  (S-Z)

Debtor Counselor Supervisor (H1 Modification/Post Conf. Dismissal)

Leticia ChavezLChavez@Peakech13trustee.com -124

Post-Confirmation Motion to Dismiss

Judge Isgur-H1

Marcus Teel   CHenry@Peakech13trustee.com -141

Staff Attorneys:

Judge Isgur Cases

Dinorah Gonzalez DGonzalez@Peakech13trustee.com -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 McBayneVMcBayne@Peakech13trustee.com      128  (A-F)

H1 Case Analyst

Julie Sosa JSosaPeakech13trustee.com              116  (G-L)

Theresa McKinney TMckinney@peakech13trustee.com  131  (M-R)

Stacey Bauer          SBauer@Peakech13trustee.com           105  (S-Z)

Post-Confirmation Motion to Dismiss

Judge Jones(H-2)

Marcus Teel   CHenry@Peakech13trustee.com -141

Modifications

Judge Jones(H-2)

Casey casey_w@ch13hou.com 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) dawn_h@ch13hou.com Ext..3422

Karen                                   karen_o@ch13hou.com Ext. 3458

Casey                                   casey_w@ch13hou.com Ext. 3425

Stacey                                  stacey_c@ch13hou.com Ext.3426

Rosie                                    rosie_p@ch13hou.com     Ext.3423

rs

pport:

                   Post-Confirmation Motion to Dismiss

Judge Paul (H-3)

Janet janet_w@ch13hou.com Ext.3437

Modifications

Judge Paul (H-3)

April  april_j@ch13hou.com  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 LHernandez@Peakech13trustee.com -143

Ashley Tu ATu@peakech13trustee.com -140

Pre-Confirmations

Judge Bohm Docket Supervisor          (H4)

Rita Sanchez RSanchez@Peakech13trustee.com-112

H4 Case Analyst

Gladys Saucedo GSaucedo@Peakech13trustee.com -158

Marie Le MLe@peakech13trustee.com -108

Debtor Counselor Supervisor (H-4 Modification/Post Conf. Dismissal)

Joel Pena JPena@Peakech13trustee.com -130

Post-Confirmation Motion to Dismiss

Judge Jones(H-2)

Marcus Teel   CHenry@Peakech13trustee.com -141

Post-Confirmation Motion to Dismiss

Judge Bohn-H4

Barbara Stewart BLake@Peakech13trustee.com -151

Staff Attorneys:

Judge Bohm Cases

Richard Aurich RAurich@Peakech13trustee.com -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) dee_w@ch13hou.com  Ext.3430

Jillian                           jillian_o@ch13hou.com   Ext.3429

Loretta                          loretta_a@ch13hou.com Ext.3432

Leticia                          leticia_a@ch13hou.com Ext.3427

David                           david_f@ch13hou.com Ext.3450

rs

pport:

                   Post-Confirmation Motion to Dismiss

Judge Brown (H-5)

Missie missie_s@ch13hou.com Ext.3444

Modifications

Judge Brown (H-5)

Maria maria_b@ch13hou.com-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

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