Judgments and Bankruptcy in San Antonio

This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation.

Texas Advantage: Limited Collection

  • No consumer wage garnishment -- creditors cannot garnish for credit card, medical, or contract judgments
  • Homestead protected -- judgment liens cannot attach to your homestead (unlimited exemption)
  • Vehicle protected -- exempt if needed for work

Creditors CAN freeze non-exempt bank funds and lien non-homestead property. Bankruptcy provides comprehensive protection.

Discharging the Judgment

Whether a judgment is dischargeable depends on the underlying debt:

  • Dischargeable: Credit card, medical, personal loan, breach of contract judgments
  • NOT dischargeable: Fraud, DUI injury, willful injury, student loans, domestic support

Lien Avoidance

File a motion under section 522(f) to avoid judgment liens that impair your exemptions. Because the Texas homestead is already protected, this mainly affects non-homestead real property.

Frequently Asked Questions

Can I discharge a money judgment?

Generally yes, if the underlying debt is dischargeable. Credit card and medical judgments can be eliminated.

Does Texas allow wage garnishment on judgments?

No, not for consumer debts. Texas prohibits wage garnishment for ordinary judgments.

What about judgment liens?

They cannot attach to your homestead. For non-homestead property, use section 522(f) lien avoidance.

Does bankruptcy stop bank account freezes?

Yes. The automatic stay stops all collection activity including bank account restraining notices.

Free Discharge ScreenerChapter 7 vs 13

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