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Texas Homestead Law

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Your Home and Wages are Protected

Some collectors will threaten to foreclose on homesteads or to garnish wages. In Texas, a homestead cannot be taken to pay a debt except for debts taken for the purchase of the home, for home improvements, for home equity loans or to pay certain taxes. Wages may be garnished to pay court-ordered child support, back taxes, and defaulted student loans.

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I'm not a lawyer, but it appears to me that creditors cannot place a lien against a home in TX unless the debt is somehow connected to the home. For example, if you used a CC to pay for home improvements, and then defaulted on that CC, then a lien could be placed against the home.

Again, I'm not a lawyer. If I were a lawyer, you didn't hire me. If you did hire me, you'd know it because you paid me.

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