tag:blogger.com,1999:blog-15381032.post252686528262070962..comments2023-09-13T04:54:05.013-07:00Comments on Ran with the devil, Walked with angels: Didn't go to churchBob Westbrookhttp://www.blogger.com/profile/01813710062309806682noreply@blogger.comBlogger3125tag:blogger.com,1999:blog-15381032.post-36118284658339155032008-10-19T20:45:00.000-07:002008-10-19T20:45:00.000-07:00Bob - check out the following website - http://www...Bob - check out the following website - http://www.peopleslawyer.net/ and here http://www.peopleslawyer.net/bills.html<BR/><BR/>This man is a reputable Texas attorney and gives advice in many of my local newspapers. I found this information on his site: <BR/><BR/>Can a creditor take my home?<BR/><BR/>As discussed above, once a creditor has a judgment he may take non-exempt property to satisfy it. By simply filing an "abstract of judgment," the creditor gets a lien on non-exempt real estate. Under Texas law, however, your homestead is "exempt." This means that a creditor may not force you to sell your home. The only exceptions to his rule are creditors who loan you money to buy, build or repair the home, creditors who make a "home equity loan," and certain government entities collecting taxes. <BR/><BR/>Read the entire page on debt collection if you like, very informative. <BR/><BR/>Okay, I'll mind my business now ;-)Amy Ehttps://www.blogger.com/profile/13791794778608236210noreply@blogger.comtag:blogger.com,1999:blog-15381032.post-74912664798942510572008-10-19T20:34:00.000-07:002008-10-19T20:34:00.000-07:00I'm sure you have this already but I wanted to men...I'm sure you have this already but I wanted to mention the other following exemptions<BR/><BR/>over 55 (if you are)<BR/>disabled persons exemption<BR/>disabled veterans exemption<BR/><BR/>these should lower your tax base if you haven't used them already..<BR/><BR/>if eligible apply for an agricultural exemption also...<BR/><BR/>contact your local county appraisal district and other tax entities to make sure you have all these exemptions for each of your taxing authorities (school, county, water district, city)<BR/><BR/>I don't meant to treat you like you are dumb, because you aren't, but being relatively "new" to Texas you may not have know about what is available out there to lower your taxes and to protect your property.Amy Ehttps://www.blogger.com/profile/13791794778608236210noreply@blogger.comtag:blogger.com,1999:blog-15381032.post-17504911537190810252008-10-19T20:28:00.000-07:002008-10-19T20:28:00.000-07:00Bob - do ya'll have the homestead exemption on you...Bob - do ya'll have the homestead exemption on your house? If not, apply. From what I understand in the state of Texas a lien cannot be placed against your house except by the IRS. And I was under the impression that the only way wages can be garnished are for child support, student loans and IRS related expenses. <BR/><BR/>I would contact your lawyer friend and ask about this, it may be nothing but a blemish on your credit report. If you don't live by your credit report it won't really matter.<BR/><BR/>You still might have Cherie write a letter and explain the situation to the company, and hopefully they will understand or reduce the debt some. If I were you I wouldn't worry about it, you can't change it, and I am about 99% positive they can't touch your home.Amy Ehttps://www.blogger.com/profile/13791794778608236210noreply@blogger.com