Texas allows payday and car title lending through the CSO (credit services organization) model. APRs often exceed 400%. San Antonio has one of the highest concentrations of payday lending storefronts in the state.
Yes. Unsecured debt, generally dischargeable in both chapters. Lender must prove fraud to prevent discharge.
Yes. Texas allows them through the CSO model with very high APRs. San Antonio has many payday lending storefronts.
No. The automatic stay prohibits all collection including ACH debits. Revoke authorization immediately.
Secured by your vehicle. In Chapter 13, pay through plan with possible cram down. In Chapter 7, pay, redeem, or surrender.