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What can be repossessed in Texas? What cannot be repossessed in Texas?

Any property that is used as collateral for a loan can be repossessed by a lender. For example, if you do not pay your mortgage payment, the bank can foreclose on your house; an auto finance company can repossess your vehicle.
In Texas, a creditor other than other than an entity who holds a purchase money security interest, a mechanics and materialmen’s lien, or the IRS or other taxing authority, CANNOT make you sell your home to pay your debt or a judgement, nor can such a creditor garnish your wages.

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