"Texas Chapter 7"

The term Texas Chapter 7 refers to liquidation of debts according to 11 U.S.C. 701, et seq. But in Texas, cases are unique because of state statutes that incorporated by reference by the federal Code. In addition to Texas statutes, case law interpretation of statutes and common law requirements determine liability and procures adopted by the federal court.

Words and phrases used by the court are frequently terms of legal art. In practice, legal terms convey an assortment of requirements for compliance, according to case law, statutes and rules. Although the common usage of a word or phrase may be clear to an average person, legal terminology easily snares unaware pro se debtors because of the complexity of bankruptcy laws. Also be aware, attorneys representing creditors readily sense a pro se debtor's apprehension, and test their knowledge, confidence and compliance. For this this reason, pro se debtors must become their own best advocate, and be capable of defending their right to debt relief according to current laws.

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