Harris County Judgment Collections
I practiced as a debtor bankruptcy attorney in the Houston and Galveston divisions for 25 years, filing over 4,000 Chapter 7 and Chapter 13 cases. Although I no longer file new consumer bankruptcies, I remain highly knowledgeable about the bankruptcy process in Harris County. My current practice focuses primarily on helping creditors with judgment collections and, on occasion, advising debtors on exemption planning.
Venue and Court Location
If you are a Harris County resident considering bankruptcy, your case would be filed in the U.S. Bankruptcy Court for the Southern District of Texas, Houston Division, located at:
515 Rusk Street
Houston, Texas 77002
The courthouse is in the theater district, with metered parking above ground and additional underground options.
Meetings of Creditors (341 Meetings)
- 341 meetings (meetings of creditors) typically take place on the 3rd floor of the courthouse.
- A panel of Chapter 7 trustees (usually around eight) oversees Chapter 7 cases.
- The U.S. Trustee’s Office, also on the 3rd floor, monitors bankruptcy cases and may attend 341 meetings, especially for Chapter 7.
The Bankruptcy Process
People often consider bankruptcy when they risk losing property or can no longer manage certain debts. Chapter 13 allows qualified individuals to keep their homes and vehicles by paying off arrears over time. This includes:
- Mortgage arrears
- Homeowners Association fees
- Property taxes
- Vehicle loan arrears
- Certain tax debts (interest and penalties can often be halted)
Unsecured debts—such as credit cards, medical bills, broken leases, cell phone contracts, payday loans, and similar obligations—may be discharged partially or fully, depending on your exemptions and the means test.
Chapter 7 is known as a liquidation bankruptcy. While non-exempt assets can be sold by the trustee to pay creditors, most Harris County cases (around 95%) are “no asset” cases, meaning debtors keep their property and still receive a discharge.
Harris County Judgment Collections
- Bankruptcy is a federal legal proceeding, requiring careful preparation and adherence to court rules.
- Although I no longer file new Chapter 7 or Chapter 13 cases, my extensive experience can help clarify the process or guide exemption planning if needed.
- If your situation involves judgment collection (on the creditor side) or strategic exemption advice (on the debtor side), my current practice can assist.
For more information visit: United States District & Bankruptcy Court Southern District of Texas
