Waco Bankruptcy Resources | Legal Help & Factual Resources
Helpful Information for Bankruptcy Filings in
Waco — McLennan County — Texas
View the Bankruptcy Rules
View the Bankruptcy Code
View the Federal Rules of Evidence
PACER (Public Access to Court Electronic Records)
If you have previously filed a bankruptcy case in the State of Texas or any other state, you can search PACER to obtain information about your case and download copies of the documents. There might also be other court documents pertinent to your bankruptcy filing that you will be able to locate on PACER.
Anyone can set up a PACER account. There are charges for files accessed and downloaded. www.pacer.gov
U.S. Bankruptcy Courts:
www.uscourts.gov/bankruptcycourts.html
Texas Southern District Bankruptcy Court
McLennan County bankruptcy cases will be filed with this bankruptcy court:
U.S. Bankruptcy Court for the Western District of Texas
United States Courthouse
800 Franklin Avenue, Room 140
Waco, TX 76701
(254) 750-1513
An experienced Waco Bankruptcy Lawyer will know the federal laws governing bankruptcy, but will also be familiar with the Local Bankruptcy Court Rules that are specific to each district, and sometimes specific to individual bankruptcy judges. Contact a McLennan County Bankruptcy Attorney for a free initial consultation regarding Chapter 7, Chapter 13, Chapter 11, or Chapter 12.
Waco 341 Meeting Room Location
As soon as a bankruptcy case is filed, a date is set for the Meeting of Creditors, also known as the 341 Meeting. This meeting gives creditors the opportunity to question the debtor (you) about monies owed and property owned. An average 341 Meeting lasts about 3 to 4 minutes. Your Waco Bankruptcy Lawyer will explain the meeting to you and accompany you to the meeting.
The meeting room location is:
U.S. Bankruptcy Court for the Western District of Texas
United States Courthouse
800 Franklin Avenue, Room 140
Waco, TX 76701
(254) 750-1513
Counties Served : Andrews, Atascosa, Bandera, Bastrop, Bell, Bexar, Blanco, Bosque, Brewster, Burleson, Burnet, Caldwell, Comal, Coryell, Crane, Culberson, Dimmit, Ector, Edwards, El Paso, Falls, Freestone, Frio, Gillespie, Gonzales, Guadaloupe, Hamilton, Hays, Hill, Hudspeth, Jeff Davis, Karnes, Kendall, Kerr, Kimble, Kinney, Lampasas, Lee, Leon, Limestone, Llano, Loving, Martin, Mason, Maverick, McCulloch, McLennan, Median, Midland, Milam, Pecos, Presidio, Preal, Reeves, Robertson, San Saba, Somervell, Terrell, Travis, Upton, Uvalde, Val Verde, Ward, Washington, Williamson, Wilson, Winkler, Zavalla.
U.S. Trustee
Chapter 13 Trustees
When your Chapter 13 bankruptcy case is filed with the Court, a Chapter 13 Trustee will be assigned to your case. The Chapter 13 Trustees for the Southern District of Texas are:
Stuart C. Cox
1760 N. Lee Trevino Drive
El Paso, TX 79936
Phone: (915)598-7674
Fax: (915)598-9002
G. Ray Hendren, Jr.
3410 Far West Boulevard, Suite 200
Austin, TX 78731
E-mail: rhendren@rayhendren13.com
Phone: (512)474-6309
Fax: (512)482-8424
Deborah B. Langehennig
3801 Capital of Texas Highway South
Suite 320
Austin, TX 78704
Phone: (512)912-0305
Fax: (512)916-9234
Gary W. Norwood
3300 North "A" Suite 8-200
One Petroleum Center, Building 8
Midland, TX 79705
Phone: (432)686-9452
Fax: (432)686-9460
Mary Kathryn Viegelahn
909 N. E. Loop 410, Suite 400
San Antonio, TX 78209
Phone: (210) 824-1460
Credit Counseling Services in the Waco area:
All individuals (not business entities) are required to complete credit counseling before their bankruptcy case can be filed – for all chapters of bankruptcy, including Chapter 7, Chapter 13, Chapter 12, and Chapter 11. After the case is filed, individuals must complete the second half of the course which is called debt management. View the Federal Trade Commission's brochure with consumer information about credit counseling and debtor education.
Credit counseling services must be approved by the bankruptcy court in order to provide these classes. In the Waco area, these providers have been approved:
Money Management International (MMI)
6801 Sanger Avenue, Suite 202
Waco, TX 76710
(866) 226-0278
Erin B. Shank P.C.
1902 Austin Avenue
Waco, TX 76701
(254) 296-1161
For other approved providers in the Waco area, visit the U.S. Dept. of Justice website.
Credit Reporting Agencies:
Your Waco Bankruptcy Attorney may have you sign an authorization form so your credit report can be downloaded directly or you may be asked to obtain your free annual credit report yourself and submit it with your other bankruptcy documentation.
You are entitled to a free annual credit report from the three nationwide credit reporting companies. Don't be tricked by TV ads, email offers, or website banner ads into paying for your credit report. The only authorized source for your free credit report is AnnualCreditReport.com. Visit the Federal Trade Commission's website for more information about your free annual credit report.
Equifax
P.O. Box 740241
Atlanta, GA 30374
1-800-685-1111
http://www.equifax.com
TransUnion
Consumer Disclosure Center
P.O. Box 390
Springfield, PA 19064-0390
1-800-888-4213
http://www.transunion.com
Experian
National Consumer Assistance Center
P.O. Box 949
Allen, TX 75013-0949
1-800-682-7654
http://www.experian.com
Innovis Consumer Assistance
P.O. Box 1358
Columbus, OH 43216-1358
Tax Returns:
You will be required to file copies of your tax returns for the past 2-3 years; submitting them either to the Trustee or the Bankruptcy Court, depending on local bankruptcy rules.
Federal Tax Returns:
For Information on how to obtain a Tax Return Transcript from the Internal Revenue Service, visit the IRS website or call 1-800-908-9946.
State Tax Returns:
You will need to submit state income tax returns if, during the past 2-3 years, you lived in a state that imposes state and/or local income taxes. (There are 43 states in the United States that have a state income tax.) Contact the state's taxing authority if you need to obtain copies of your tax returns from any of these states.
Vehicle Valuations:
You will need a fair and accurate value for any vehicles you own as of the day of filing your bankruptcy case. You can use online sources, but it is sometimes more accurate to get an estimate from a local used car dealer. Local car dealers have a better idea of what someone would actually pay for a vehicle in their city, which is not always the same as the value in the car buying guides.
Online Vehicle Valuations:
NADA - www.NADA.com
Kelly Blue Book - www.kbb.com
Edmunds - www.Edmunds.com
Local Used Car Dealers (for obtaining vehicle valuations):
Tracy's Auto Sales
1700 South Valley Mills Drive
Waco, TX 76711
(254) 753-4340
Clark Motor Co
3401 Franklin Avenue
Waco, TX 76710
(254) 756-5377
Marstaller Motors Inc
1601 South Valley Mills Drive
Waco, TX 76711
(254) 756-5511
Appraisals and Valuations for Real Estate (Real Property)
A fair and accurate value for your real property must be listed on your bankruptcy forms (Schedule A). Although some Trustees and Bankruptcy Courts will use the value assigned to your property by your local tax assessor, it is beneficial to have a local expert, such as a Waco real estate agent, give you a valuation on your property.
Some local Waco area realtors include:
Heart of Texas Realty
1714 Columbus Avenue
Waco, TX 76701
(254) 714-1000
Kelly, Realtors
1229 North Valley Mills Drive
Waco, TX 76710
(254) 741-1500
Graceland Real Estate
1512 Lake Air Drive 116
Waco, TX 76710
(254) 235-7788
McLennan County Bankruptcy Law Firms will review your financial situation, provide you with advice on the bankruptcy process, and show you how you can receive debt relief!
Serving clients throughout Central Texas, including Axtell, Bellmead, Beverly Hills, Cayote, Chilton, China Spring, Crawford, Elm Mott, Gholson, Golinda, Hallsburg, Hewitt, Lacy – Lakeview, Leroy, Lorena, Lott, Marlin, Mart, McClanahan, McGregor, Moody, Mooreville, Mt. Calm, Ocee, Oglesby, Perry, Prairie Hill, Riesel, Robinson, Ross, Speegleville, Travis, Valley Mills, Waco, West, Woodway and other communities in McLennan County.
Contact a Waco Bankruptcy Attorney today for a free initial consultation.
Other Legal Bankruptcy Lawyers
If for some unforeseen reason, the Waco Bankruptcy Lawyers listed on this site are unable to assist you, please visit the Waco Bankruptcy Lawyers listed on HG.org; or the Waco Bankruptcy Lawyers listed on GetLegal.com; or the Waco Bankruptcy Lawyers on Justia.com.