Ask any comedian and they are likely to tell you that the key to success is that timing is everything. If you tell a joke and don't phrase things just right, it could very well flop. The same might also be said for the process of foreclosure.
The Bankruptcy Court for the United States District Court Eastern Division on Texas sits in Plano, Texas. The Court is actually located in the Wells Fargo Bank Building that is on the east side of North Central Expressway and Plano Parkway. Adversarial proceedings and contested hearings in either Chapter 7 or Chapter 13 cases are heard there in front of the judge.
Chapter 13 Bankruptcy is a great option for people that are in financial despair. If you have credit card debt, then filing a Chapter 13 will typically allow you to discharge all of that debt just as if you were filing for protection under Chapter 7. Also, if you have IRS debt then you can typically pay that back at zero percent interest over a five year time period through the Plan.