Montgomery County, Texas, residents who are in the foreclosure process will at some point receive a 20 day notice from the finance company via 1st class or certified mail. It is important to note that it is best to seek legal counsel before this occurs as the next step is the auction sale of the home held the 1st Tuesday of every month in Texas. A Busby & Associate attorney can help you file a Chapter 13 bankruptcy which will stop these proceedings and allow you to pay the amount in arrears over a 5-year period while still living at the residence. For those that have a 2nd loan on the home but no property equity from the first loan there is the ability to pay pennies on the dollar while the 2nd lien is being stripped and discharged during the process. Home association dues and property taxes can also be included under this type of bankruptcy if they are in arrears.
Repossession of a Vehicle
If you are behind in your vehicle payments to any of the dealerships listed below then you to check with an attorney at Busby & Associates to see what your options are in Montgomery County. A regular Chapter 13 bankruptcy can be filed to stop this process and allow you the chance to pay a lower interest rate which usually falls around 5% and/or pay only the current market value of the car, truck, SUV instead of the previously owed amount. If the vehicle has already been repossessed within the past 10 days then an ’emergency’ Chapter 13 bankruptcy can be filed on your behalf per Texas state law. You are able to retain the automobile while making payments on the past due amount under the umbrella of the bankruptcy.
Car dealerships in Montgomery County, Texas: Community Motors, Conoco Express, Imax Auto Sales, Saturn Conversion Co. and Streater Smith.
Mobile Home Bank Notes
For mobile home park residents living at any of the Montgomery County locations listed below and behind on payments, contact a Busby & Associate lawyer immediately to prevent losing your residence to the finance company. A Chapter 13 bankruptcy provides the ability to have the mobile home appraised during the process to ascertain the current market value on the residence. This becomes the new ‘owed’ amount which must be paid within a 5-year time period replacing both the original payment figure and the 15 to 30 year term from before.
Mobile home parks in Montgomery County, Texas: Conroe Mobile Estates, Lazy Lane Mobile Home Park, Pinedale Mobile Home Park, Thousand Trails Lake Conroe, Timbercrest Village, Victoria Village, Westmont Mobile Home Park.
Credit Card Suits
As a Montgomery County resident who is facing a credit card lawsuit you will be required to visit one of the Justice of the Peace Courts listed below for adjudication. In order to prevent this from happening you need to work with a Busby & Associate representative who can assist in determining if you are eligible for a Chapter 7 bankruptcy (under the Chapter 11 Title Bankruptcy Code). This requires a means test for range of income and total amount of unsecured debt which includes credit card amounts, medical bills and other applicable debts. If you are approved for a Chapter 7 then everything can be settled in about 4 months and the lawyer can help with cleaning your credit report for a fresh start in the future.
Justice of the Peace Courts:
Montgomery County Justice of the Peace Court: Precinct 1
Montgomery County Justice of the Peace Court: Precinct 2
Montgomery County Justice of the Peace Court: Precinct 3
Montgomery County Justice of the Peace Court: Precinct 4
Montgomery County Justice of the Peace Court: Precinct 5
Bankruptcy Need to Know Info:
Montgomery County, Texas, residents will attend Bankruptcy Court at 515 Rusk, Houston, Texas 77002. The two trustees for Chapter 13 and eight trustees for Chapter 7 filings are located at the Southern District of Texas/Houston Division. Please be advised that bankruptcy is Federal Law.
Busby & Associates Information:
This firm provides legal service and bankruptcy assistance to the following areas in Texas:
Cities within Montgomery County – Conroe, Cut and Shoot, Magnolia, Montgomery, Oak Ridge, Panorama, Patton Village, Roman Forest, Shenandoah, Splendora, Stagecoach, Woodbranch, Woodloch, and Willis.
Texas Counties – Austin, Brazoria, Brazos, Chambers, Colorado, Fayette, Fort Bend, Galveston, Grimes, Harris, Madison, Matagorda, Montgomery, San Jacinto, Walker, Waller, and Wharton.
Please visit our website for more information about us or view our video with Bankruptcy Information.
Residents can contact our firm at (713) 974-1151 or email us at [email protected] to schedule a no-obligation consultation to discuss your bankruptcy or legal options.
