Let’s be real—filing for bankruptcy is stressful enough. Now throw in the idea of selling your house at the same time? It’s like juggling flaming swords while blindfolded… but hey, we’ve seen it done (and done it well).

Whether you’re trying to avoid foreclosure, downsize, or just hit the restart button, the big question is:👉 Can I sell my house if I’m filing for bankruptcy in Texas?

Short answer: Yes.
Real answer: Yes, but the how, when, and what you keep depends on a few important factors.

In this guide, we’ll break down the options, answer common questions (like “Do you lose your house if you file bankruptcy?”), and share real stories—like how ZenHomes helped Maria sell during Chapter 13 with zero stress and a whole lot of relief.

Real Story: How ZenHomes Helped Maria Sell Her House During Chapter 13

Maria, a hardworking single mom from Fort Worth, found herself overwhelmed—debt, bills, and the looming threat of losing her home. She filed for Chapter 13 bankruptcy, thinking it meant she was stuck.

But here’s the truth: selling a house during Chapter 13 bankruptcy in Texas is 100% possible.

After talking with her attorney and ZenHomes, she realized there was a way out. We worked alongside her legal team, secured court approval, and helped her sell her house quickly—without judgment, delays, or drama.

“ZenHomes gave me a way out I didn’t think I had. They handled everything—and I finally got to breathe again.” – Maria G.

Can You Sell Your House Before Filing for Bankruptcy?

Yes, you can. But should you? That’s another story.

Selling house before filing for bankruptcy can backfire—especially if your property has equity. Why? Because that equity (cash from the sale) might be considered a non-exempt asset, and the bankruptcy trustee could claw back the sale proceeds to repay creditors.

So, if you’re considering selling before filing, you must disclose the sale in your bankruptcy paperwork, consult a bankruptcy attorney first, and avoid any actions that could appear as hiding or transferring assets.

When in doubt, transparency is your best friend.

Selling a House During Chapter 7 Bankruptcy in Texas

Selling house during Chapter 7 is a bit more complicated. This type of bankruptcy involves liquidating non-exempt assets to pay off debts. Thankfully, Texas has one of the strongest homestead exemptions in the country, which may protect your home.

Your house might be safe if it’s your primary residence and you don’t have too much equity.

But if you do want to sell your house during Chapter 7 bankruptcy in Texas, you’ll need:

• ✅ Approval from the court and trustee
  
• 📄 Full transparency about sale terms
  
• 🤝 A clear reason the sale benefits the estate
  

Wondering how long does bankruptcy Chapter 7 last? Most cases wrap up within 3 to 6 months.

And yes, many ask: Do you lose your house if you file bankruptcy? In Texas, not necessarily—especially under Chapter 7 with homestead protection.

Selling a House During Chapter 13 Bankruptcy in Texas

Chapter 13 is more flexible. You’re on a court-approved repayment plan, which means you keep your assets—including your home.

Can I sell my house during Chapter 13? Absolutely. Here’s what you need to do:

• 🧾 Get court approval
  
• 🏛️ Submit a motion to sell
  
• 💸 Explain how the proceeds will be used (like paying off debts or downsizing)
  

Selling during Chapter 13 is very possible—you just need a good plan and the right support team (that’s where we come in 😎).

Maria’s story is your proof. She partnered with ZenHomes, got the court’s blessing, and walked away with peace of mind.

How Soon Can You File Chapter 13 After Chapter 7?

This is a common one: How soon can you file Chapter 13 after Chapter 7?

Answer: Four years between the Chapter 7 discharge and filing for Chapter 13. But don’t guess—talk to a bankruptcy attorney to see if you qualify for earlier options based on hardship.

How Soon After Chapter 7 Can I Sell My House?

You can sell your house as soon as your bankruptcy case is discharged and closed. At that point, you’re free from trustee oversight and have full control again.

Just keep in mind that it’s important to work with a buyer who understands your situation, use the proceeds wisely—such as for rebuilding credit or catching up on other expenses—and be upfront about any liens or complications.

How to Sell Your House Fast While in Bankruptcy: A Step-by-Step Guide

1. Talk to your attorney.
   This is not a “figure-it-out-later” situation. Make sure you’re clear on your rights and requirements.
   
2. Get court approval (if needed).
   Chapter 7 and 13 both require formal approval for sales during bankruptcy.
   
3. Work with an experienced buyer.
   Traditional buyers may get nervous or back out. ZenHomes understands bankruptcy timelines and keeps deals smooth.
   
4. Stay transparent.
   Hide nothing. Full disclosure helps avoid legal headaches.
   
5. Keep your goals in sight.
   Whether it’s downsizing, avoiding foreclosure, or starting fresh—your home sale should support your bigger financial recovery plan.

Ready to Talk? Filing for Bankruptcy Doesn’t Mean You’re Stuck

ZenHomes can help you explore your options and sell your home without stress, delay, or pressure. We’ve helped homeowners in Fort Worth, Dallas, Arlington, and all across Texas sell with dignity—bankruptcy or not.

📞 Call us today for a free consultation. 💬 Or send us a quick message—confidential and judgment-free.

Related Posts:

Can You Sell a House in Texas Before Foreclosure?

What Are the Benefits of Selling a House for Cash

Sell My Home for Cash in Texas: What to Expect