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Public Access to Court Electronic Records (PACER) is an electronic public access service that allows users to obtain case and docket information from federal appellate, district and bankruptcy courts, and the PACER Case Locator via the Internet.
Timeline for Chapter 7 Filing Chapter 7 bankruptcy is a quicker process that can usually be completed within six months of filing. If the meeting goes smoothly, your documents were submitted accurately, and there are no objections, you are eligible for your debts to be discharged at that time.
But, at a minimum, you must have pay information for the past 60 days, your last two tax returns, and your most recent bank statement. These documents are required by the Bankruptcy Code and the Texas bankruptcy courts.
They detail the debtor's income, assets, debts, expenses, and other aspects of the debtor's financial circumstances.
Steps to Take When Filing for Bankruptcy Gather Financial Information.Schedule a Consultation with a Texas Bankruptcy Attorney.Determine If Bankruptcy Is Right for You.Choose the Right Type of Bankruptcy.Get Credit Counseling.Prepare Your Bankruptcy Petition.File Your Bankruptcy Petition.Attend a Meeting of Creditors.
The filing fee for a Chapter 7 bankruptcy is $338. In most cases, you'll pay the filing fee to the court clerk at the same time you file your bankruptcy petition, which is the complete set of forms you fill out. You may need to wait to file your case until you're able to save up the full filing fee.
You will be eligible to file for Chapter 7 if your current income falls below the median income level. Should your income be above the median, you will be allowed to deduct payments and expenses from secured debts, in order to try and qualify. In Texas the median income for a single person is currently set at $39,673.
If your annual income is below the median income in Texas for a household of your size, you may automatically qualify to file for Chapter 7 bankruptcy. If your income is above the median, you must then pass the means test.