being sued for credit debt

[TigerD]

Sorry, guys. Section 42.002 of the Texas Property Code exempts a total of $30,000 for a single adult, which can include one automobile per licensed driver in the household, provided that the automobile (and all other exempt assets) do not exceed $30,000 of fair market value.
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The issue is going to be if the OP's car has a fmv that exceeds $30k, and if he has any other assets that put him over the limit.

Yeah, I got that. But it stands to reason that anyone vain enough to drive a $40k car when they are broke probably has a bunch of electronics, computers, nice furniture and other stuff worth taking and selling at a yard sale.

Besides, if he uses his exemption allotment for the car, a friendly enforcer can sell his clothing at auction and leave him sitting there in his birthday suit.

DC