"Texas Convert Chapter 7"

Debtors in Texas convert Chapter 7 cases to Chapter 13 if mortgage payments fall in arrears. Debtors in Texas convert Chapter 13 cases to Chapter 7 once mortgage payments are current and only general unsecured debts remain. In either case, court permission is required for conversion. Qualification for each new chapter selected remains the same as if filing for the first time.

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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