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San Antonio Area Bankruptcy Guides by City

Find your city below for a bankruptcy guide specific to your suburb, including county, courthouse, Texas exemptions, and local resources. All San Antonio area suburbs file in the Western District of Texas.

Texas Exemptions Apply to All Suburbs

Every city on this page files in the Western District of Texas at 615 E Houston St, San Antonio, TX 78205. Texas exemptions apply to all:

  • Homestead: UNLIMITED (up to 10 acres urban / 100 acres rural)
  • Vehicle: 1 motor vehicle per licensed household member
  • Personal property: $50,000 (single) / $100,000 (family)
  • Wages: Generally cannot be garnished in Texas
  • Retirement: Fully exempt

Chapter 13 dismissal rate: 62.6% (W.D. Tex., 2008-2024)

San Antonio Metro Suburbs

New Braunfels

Comal County / Guadalupe County
Unlimited homestead

San Marcos

Hays County / Guadalupe County
Unlimited homestead

Seguin

Guadalupe County
Unlimited homestead

Boerne

Kendall County
Unlimited homestead

Schertz

Guadalupe County / Bexar County / Comal County
Unlimited homestead

Cibolo

Guadalupe County
Unlimited homestead

Live Oak

Bexar County
Unlimited homestead

Universal City

Bexar County
Unlimited homestead

Converse

Bexar County
Unlimited homestead

Selma

Bexar County / Guadalupe County / Comal County
Unlimited homestead

Helotes

Bexar County
Unlimited homestead

Leon Valley

Bexar County
Unlimited homestead

Frequently Asked Questions

Where do San Antonio area residents file for bankruptcy?

All San Antonio metro area residents file in the Western District of Texas, San Antonio Division. The courthouse is at 615 E Houston St, San Antonio, TX 78205. This includes suburbs in Bexar, Comal, Guadalupe, Kendall, and Hays counties.

Does my specific suburb affect my bankruptcy?

Your suburb determines your county, but all San Antonio area suburbs use the same Texas exemptions and file in the same federal court. The main differences are in local resources and which county courthouse handles non-bankruptcy matters.

What about military families near JBSA?

Many San Antonio suburbs are near Joint Base San Antonio installations. Active duty military members have additional protections under the Servicemembers Civil Relief Act (SCRA), including interest rate caps and protections against default judgments. Military legal assistance offices at JBSA provide free legal consultations.

Disclaimer: This page provides general educational information about bankruptcy, not legal advice. Every situation is different. Consult a qualified bankruptcy attorney licensed in Texas for advice about your specific circumstances. This site does not recommend or endorse any specific attorney or law firm.

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