Bryan, TX Bankruptcy Law Firms & Lawyers

If the time for doing so has not already expired, you could file an appeal in the lawsuit where the judgment was rendered. You would need to assert some reason why it's wrong and point out what mistake the trial court made. If the time already has run out or if the trial court did not make some particular mistake, then I don't see any way for you to dispute the judgment at this point. You also asked whether a bankruptcy can get rid of the judgment. The answer is yes, a bankruptcy could wipe it out (which is different than disputing it).

In Texas, you can walk away at any time because of our constitution. You have no personal liability on the loan. That is why you cannot reaffirm a home mortgage in Texas. Reaffirmation means accepting personal liability for the mortgage and agreeing that you will not walk away in the future.

If no assets or creditors were left out of the papers that were filed, you do not need to amend the schedules. They are prohibited from contacting you and there may be a violation of the automatic stay if they have. You also do not need to send creditors proof that you have filed or that the debt to them has been discharged. They already got notice that you have filed. Often, one department of a large bank does not know what the other department knows. If a bank tries to collect a debt which has been discharged, there may be a violation of the Federal automatic stay.