Humble is a city in northeast Harris County, at the heart of a larger area that includes Kingwood, Atascocita, and Summerwood. The Greater Humble area serves as a bedroom community for Houston workers. Residents can face financial difficulties from job loss, medical emergencies, or accumulated debt.
Exemptions determine what property you can keep in bankruptcy. See the full Texas exemptions guide.
The Houston bankruptcy courthouse at 515 Rusk Ave is approximately 20-25 miles southwest via US-59. The automatic stay takes effect the moment your petition is filed. Your 341 meeting will be scheduled about 30 days later. In a straightforward Chapter 7 case, expect discharge about 60 days after the 341 meeting.
Humble area residents can access Lone Star Legal Aid (713-652-0077), Houston Volunteer Lawyers (713-228-0732), and the Harris County Law Library.
Yes. Personal loans, credit card debt, and other unsecured obligations incurred for storm repairs are dischargeable. FEMA assistance received is not counted as income for the means test.
You must pass the means test, which compares your household income to the Texas median for your family size. If below the median, you automatically qualify. If above, a detailed expense analysis determines eligibility.
Certain debts survive bankruptcy: child support and alimony, most student loans (unless you prove undue hardship), recent tax debts (generally within 3 years), debts from fraud or DUI injuries, and criminal fines. Most consumer debts are fully dischargeable.
Use the free 1328(f) screener to check whether a prior discharge affects your eligibility.
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Our research was cited by the federal judiciary as Suggestions 26-BK-3 and 26-BK-5