Author Topic: Texas homestead act and student loans  (Read 1486 times)

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Texas homestead act and student loans
« on: August 13, 2011 11:59:43 PM »
Can anyone give some guidance?

Does the Texas Homestead Act provide protection from suit and seizure by collectors and the Dept. of Education of my primary residence in Texas?  I tried reading the law, which says 'federal' and specifically federal income tax, but does not mention student loans or the DOE.



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Re: Texas homestead act and student loans
« Reply #1 on: March 18, 2017 05:44:21 PM »
It sounds like you have federal student loans through the DOE -- and from what I have read, the federal government has the greatest powers in being able to seize property and secure garnishments against student loan defaulters.

My question: Are PRIVATE LOANS (Sallie Mae, Navient, etc) exempt? I think I have read that in Texas that private lenders can't seize property (houses) or secure wage garnishments. They can seize bank accounts, I guess, but there are ways around that (cashing checks at Walmart for example).
Student loan indentured servant in $100,000+ debt to private lender Sallie Mae. 100% unable to pay even close to the minimum monthly payment.