You may be able to file bankruptcy in Texas as long as you have lived here for the majority of 180 days immediately before the petition was filed. If you have lived only in Texas for 91 days, you may be eligible. You may not be eligible, however, to use the Texas state exemptions. That is usually determined by the state you lived in during the last 730 days. If you have lived in more than one state during the 730 days, you look at the state where you lived in the 180 days before the 730 days. There may be other grounds for filing bankruptcy in a particular location even if you have not lived there for 91 days. Exemptions are extremely important since this determines how you are able to protect your property.

Texas has very generous exemptions, particularly with regard to protecting the homestead if a debtor is eligible for Texas exemptions. Some exemptions have limitations on them. You do not need to wait until you have lived here for 91 days to consult with a bankruptcy attorney. If you are considering bankruptcy, you should consult a knowledgeable attorney about your situation.