Bankruptcy in Montgomery County

Montgomery County is located north of Houston and includes The Woodlands and Conroe. Bankruptcy cases are filed in the Southern District of Texas, Houston Division.

Montgomery County residents file in the Southern District of Texas, Houston Division. The courthouse is at 515 Rusk Ave, Houston, TX 77002. Your 341 meeting of creditors will typically be held in Houston.

Key Information

Federal District

Southern District of Texas (Houston Division)
All bankruptcy cases from Montgomery County are filed in this district.

Nearest Courthouse

515 Rusk Ave, Houston, TX 77002
341 meetings and court hearings are typically held at this location.

Texas Exemptions in Montgomery County

Texas state exemptions apply. Homestead exemption: unlimited value, up to 10 acres urban or 100 acres rural. Personal property: up to $50,000 (single) or $100,000 (family). One motor vehicle per licensed household member. Texas does not permit federal exemptions.

Exemptions determine what property you can keep in bankruptcy. See the full exemptions guide.

Filing Bankruptcy in Montgomery County

The Process

  1. Credit counseling - Complete an approved course within 180 days before filing ($15-25).
  2. File your petition - The petition is filed with the Southern District of Texas (Houston Division). The automatic stay takes effect immediately.
  3. 341 meeting - About 30 days after filing, attend a brief meeting of creditors at 515 Rusk Ave, Houston, TX 77002.
  4. Debtor education - Complete a second financial course before discharge ($10-25).
  5. Discharge - Chapter 7: approximately 60 days after the 341 meeting. Chapter 13: after completing 3-5 year plan.

Frequently Asked Questions

Where do Montgomery County residents file bankruptcy?

Montgomery County residents file in the Southern District of Texas, Houston Division. The courthouse is at 515 Rusk Ave, Houston, TX 77002. Your 341 meeting of creditors will typically be held in Houston.

Can I keep my home in Montgomery County if I file bankruptcy?

Texas offers an unlimited homestead exemption in value. If your Montgomery County property is 10 acres or less (urban) or 100 acres or less (rural), your home equity is fully protected. Many Montgomery County properties may qualify for the rural 100-acre exemption depending on location.

What is the median income for the means test in Montgomery County?

The means test uses Texas state median income figures, not county-specific numbers. For a household of one, the Texas median is approximately $59,000. Households above the median must pass additional calculations to qualify for Chapter 7.

Check Your Eligibility

Use the free 1328(f) screener to check whether a prior discharge affects your eligibility.

Free Discharge Screener

Other Houston Area Counties

Open Bankruptcy Project Network

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Our research was cited by the federal judiciary as Suggestions 26-BK-3 and 26-BK-5