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Harriet LangstonHarriet Langston, P.C., Consumer Bankruptcy Specialist
Claimed Lawyer ProfileQ&A
- Chapter 11 Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Debt Relief
- Free Consultation
- Credit Cards Accepted
Jurisdictions Admitted to Practice
- Baylor University
- Doctor of Jurisprudence/Juris Doctor (J.D.)
- Texas State Bar  # 11924400
- - Current
- Consumer Bankruptcy Law
- Texas State Bar
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2 Questions Answered
- Q. I wanted to know if i can file ch 7 a 4th time in TX?
- A: There is no simple answer to this question. I encourage you to consult with a qualified bankruptcy lawyer in the area where you live. Texas is a big place, but I know several people in your area who would give you very good advice on this issue. In order to give you a useful answer, your lawyer will need to know the information about your previous bankruptcy cases. Did you receive a discharge in the prior cases? Were the cases dismissed? When were the cases filed? How much time passed between the filings? All this information is important and may likely determine the answer to your question of whether you may file Chapter 7 a fourth time. Sometimes it may be OK, and sometimes it may not be OK. These are only the threshold issues. Many other important issues may also prevent your success in Chapter 7, and you should discuss those with any lawyer you consult. Good luck.
- Q. After I file for bankruptcy, will I still be able to use my credit cards?
- A: The short answer is: almost certainly not. When you file for bankruptcy, you are asking for legal relief from payment of your debts, including unsecured debts like your credit cards. The credit card company will find out about your bankruptcy filing within hours, and will probably cancel your card anyway, knowing that the discharge of your debt (or payment of some amount of it) will be part of the bankruptcy process.
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