Will I lose my house if I file bankruptcy in Texas?

Texas's homestead exemption protects Unlimited (up to 10 acres urban / 100 acres rural) of equity. In Chapter 13, you can keep your home while catching up on payments.

How long does bankruptcy take in San Antonio?

Chapter 7 typically takes 3-4 months. Chapter 13 requires 3-5 years. The 341 meeting happens about 30 days after filing.

Should I file Chapter 7 or Chapter 13?

Chapter 7 eliminates most unsecured debt in 3-4 months but requires a means test. Chapter 13 allows you to keep property while repaying over 3-5 years. The W.D. Tex. has a 62.6% Chapter 13 dismissal rate.

Considering Bankruptcy in San Antonio?

Q: How much does bankruptcy cost in San Antonio?

Chapter 7 filing fees are $338 and Chapter 13 filing fees are $313. Attorney fees in San Antonio typically range from $1,000-$2,000 for Chapter 7 and $2,500-$4,500 for Chapter 13.

Q: What is the Chapter 13 dismissal rate in San Antonio?

The Western District of Texas has a 62.6% Chapter 13 dismissal rate based on 64,677 cases (2008-2024).

You are not alone. Over 64,677 cases have been filed in the Western District of Texas since 2008. This free guide will help you understand your options, know what to expect, and make informed decisions.

62.6% of San Antonio Chapter 13 cases are dismissed

Read the FAQ Check Your Eligibility

Chapter 7 vs. Chapter 13: Which Is Right for You?

Chapter 7 -- Fresh Start

Chapter 7 eliminates most unsecured debts in about 3-4 months. You must pass a means test.

Discharge in 3-4 months
Eliminates credit cards, medical debt
Must pass the means test
Filing fee: $338

Learn more about Chapter 7 →

Chapter 13 -- Payment Plan

Chapter 13 lets you keep your property while repaying debts over 3-5 years. No means test required.

3-5 year repayment plan
Keep your home and car
Catch up on missed payments
Filing fee: $313

Learn more about Chapter 13 →

Not sure which chapter fits? Compare them in detail.

San Antonio District Data

Western District of Texas (W.D. Tex.)

62.6% dismissed

Out of 64,677 cases filed since 2008, only 37.4% achieved a discharge. The prior filer rate is 32.0%.

Courthouse: 615 E Houston St, San Antonio, TX 78205

View full statistics →

What to Expect When Filing

Credit counseling -- Required course within 180 days before filing ($15-25).
File your petition -- The automatic stay takes effect immediately.
341 meeting -- About 30 days after filing. Brief meeting of creditors (5-10 minutes).
Debtor education -- Second required course before discharge ($10-25).
Discharge -- Chapter 7: ~60 days after 341. Chapter 13: after 3-5 year plan.

Detailed timeline →

How Much Does Bankruptcy Cost?

Chapter 7 filing fee: $338
Chapter 13 filing fee: $313
Attorney fees: $1,000-$2,000 for Chapter 7; $2,500-$4,500 for Chapter 13
Credit counseling: $15-25 per course (two required)

Full cost breakdown → | National cost guide

Frequently Asked Questions

What is the Chapter 13 dismissal rate in San Antonio?

The Western District of Texas has a 62.6% dismissal rate based on 64,677 cases. Full statistics.

How much does bankruptcy cost in San Antonio?

Chapter 7: $338 filing + $1,000-$2,000 attorney fees. Chapter 13: $313 + $2,500-$4,500. Full breakdown.

Will I lose my house?

Texas homestead exemption: Unlimited (up to 10 acres urban / 100 acres rural). In Chapter 13, you keep your home. Exemptions.

Can I keep my car?

Texas vehicle exemption: Fully exempt if needed for work. Learn more.

How long does bankruptcy take?

Chapter 7: 3-4 months. Chapter 13: 3-5 years. Full timeline.

See all frequently asked questions →