What is Texas law about senior citizens that cannot pay credit cards?

* Creditors cannot harass or threaten you. This includes calling you repeatedly, sending you threatening letters, or contacting your employer.

* Creditors cannot garnish your wages without a court order.

* Creditors cannot take your property without a court order. This includes your home, car, and personal belongings.

* Creditors must provide you with a written notice before they take any legal action against you. This notice must include the amount of debt you owe, the name of the creditor, and the date by which you must pay.

Exemptions for Senior Citizens

Senior citizens in Texas may be eligible for certain exemptions that protect their assets from creditors. These exemptions include:

* Homestead exemption: This exemption protects your home from creditors, up to a certain value.

* Personal property exemption: This exemption protects your personal belongings, up to a certain value.

* Vehicle exemption: This exemption protects your car, up to a certain value.

Bankruptcy

If you are unable to pay your debts, you may want to consider filing for bankruptcy. Bankruptcy is a legal process that allows you to discharge your debts and get a fresh start.

There are two main types of bankruptcy:

* Chapter 7 bankruptcy: This type of bankruptcy liquidates your assets and uses the proceeds to pay your creditors.

* Chapter 13 bankruptcy: This type of bankruptcy allows you to repay your debts over a period of time, usually three to five years.

If you are considering filing for bankruptcy, it is important to speak to an attorney to learn more about your rights and options.