Acceleration

Bankruptcy: Christopher A. Wyatt (Duplicate Filer)

Wyatt’s latest two bankruptcies in 2025 have been to thwart nonjudicial foreclosure of his homestead by auction.

Christopher A. Wyatt (Duplicate Filer)

(25-32536)

United States Bankruptcy Court, S.D. Texas, Judge Marvin Isgur

MAY 5, 2025 | LIT PUBLISHED: MAY 16, 2025

Dismissing Case for Deficiencies (FORMS) – Jun 24, 2025

Wyatt converting from Chapter 13 to Chapter 7 has cancelled the hearing set for that day to potentially dismiss his bankruptcy, and this appears to have been a used as a delay tactic to thwart foreclosure proceedings.

Here’s how:

Denial of Extension of Time – Judge Marvin Isgur denied an extension of time to file schedules on May 22, 2025, demanding they be filed before the scheduled hearing on May 23, 2025, so the conversion’s goal was to terminate this scheduled hearing.

Automatic Stay Reset – Filing or converting a bankruptcy case triggers an automatic stay, which temporarily halts foreclosure and debt collection actions. Even if the lender was close to auctioning the home, this pause can buy the homeowner additional time.

Process Slowdown – Chapter 7 bankruptcy requires time for creditors to file claims, for the trustee to review assets, and for the court to discharge debts—often extending the timeline before foreclosure resumes.

Negotiation Leverage – Some homeowners use the delay strategically to negotiate with lenders, pursue loan modifications, or explore alternatives such as short sales.

That said, courts and lenders should recognize when bankruptcy is being used solely to stall foreclosure. As is the case here, Wyatt has a history of multiple bankruptcy filings, and the court should deny protection or dismiss the case.

Plus, Chapter 7 typically won’t save the home unless other legal exemptions apply.

DUPFILER, DEF22c, DEFb7, DEFsch

 

U.S. Bankruptcy Court
Southern District of Texas (Houston)
Bankruptcy Petition #: 25-32536

Assigned to: Bankruptcy Judge Marvin Isgur
Chapter 13
Voluntary
Asset

 

 

Date filed:   05/05/2025

 

Debtor
Christopher A. Wyatt
406 Spring Lakes Haven
Spring, TX 77373
HARRIS-TX
SSN / ITIN: xxx-xx-9264
represented by Emil R Sargent
Attorney at Law
2855 Mangum Road
Ste A-569
Houston, TX 77092
713-222-2299
Fax : 713-222.2478
Email: esargent3@gmail.com
Trustee
David Peake
Chapter 13 Trustee
9660 Hillcroft
Suite 430
Houston, TX 77096-3856
713-283-5400
U.S. Trustee
US Trustee
Office of the US Trustee
515 Rusk Ave
Ste 3516
Houston, TX 77002
713-718-4650

 

Filing Date # Docket Text
05/16/2025 17
(2 pgs)
BNC Certificate of Mailing. (Related document(s):11 Order Setting Hearing) No. of Notices: 2. Notice Date 05/16/2025. (Admin.) (Entered: 05/16/2025)
05/19/2025 18
(3 pgs; 2 docs)
Motion to Extend Deadline to File Schedules or Provide Required Information Filed by Debtor Christopher A. Wyatt (Attachments: # 1 Proposed Order) (Sargent, Emil) (Entered: 05/19/2025)
05/20/2025 19
(1 pg)
Order on Motion to Extend Deadline, Signed on 5/20/2025 (Related document(s):18 Motion to Extend Deadline to File Schedules) (acj4) (Entered: 05/20/2025)
05/22/2025 20
(3 pgs)
BNC Certificate of Mailing. (Related document(s):19 Generic Order) No. of Notices: 2. Notice Date 05/22/2025. (Admin.) (Entered: 05/22/2025)
05/22/2025 21
(2 pgs; 2 docs)
Withdraw Document (Filed By Christopher A. Wyatt ).(Related document(s):10 Emergency Motion) (Attachments: # 1 Appendix Service List) (Sargent, Emil) (Entered: 05/22/2025)
05/23/2025 22
(4 pgs; 3 docs)
Notice of Conversion from Chapter 13 Bankruptcy to Chapter 7 Bankruptcy. Filed by Christopher A. Wyatt (Attachments: # 1 Appendix Service List # 2 Proposed Order) (Sargent, Emil) (Entered: 05/23/2025)
05/23/2025 23
(1 pg)
Order Terminating Motion and Cancelling Hearing, Signed on 5/23/2025 (Related document(s):21 Withdraw Document) (acj4) (Entered: 05/23/2025)

 


 

PACER Service Center
Transaction Receipt
05/25/2025 07:57:00

Extend Deadline to File Schedules

Notice of Hearing on Motion to Extend the Automatic Stay.

(Related document(s):10 Emergency Motion)

Filed by Christopher A. Wyatt (Attachments: # 1 Appendix Service List) (Sargent, Emil) (Entered: 05/15/2025)

Order Setting Hearing, Signed on 5/14/2025 (Related document(s):10 Emergency Motion)

Hearing scheduled for 5/23/2025 at 09:15 AM at telephone and video conference.

(SierraThomasAnderson) (Entered: 05/14/2025)

DUPFILER, DEF22c, DEFb7, DEFsch

 

U.S. Bankruptcy Court
Southern District of Texas (Houston)
Bankruptcy Petition #: 25-32536

Assigned to: Bankruptcy Judge Marvin Isgur
Chapter 13
Voluntary
Asset

 

 

Date filed:   05/05/2025

 

Debtor
Christopher A. Wyatt
406 Spring Lakes Haven
Spring, TX 77373
HARRIS-TX
SSN / ITIN: xxx-xx-9264
represented by Emil R Sargent
Attorney at Law
2855 Mangum Road
Ste A-569
Houston, TX 77092
713-222-2299
Fax : 713-222.2478
Email: esargent3@gmail.com
Trustee
David Peake
Chapter 13 Trustee
9660 Hillcroft
Suite 430
Houston, TX 77096-3856
713-283-5400
U.S. Trustee
US Trustee
Office of the US Trustee
515 Rusk Ave
Ste 3516
Houston, TX 77002
713-718-4650

 

Filing Date # Docket Text
05/05/2025 1
(13 pgs)
Chapter 13 Voluntary Petition Individual . Fee Amount $313 Filed by Christopher A. Wyatt. (Sargent, Emil) (Entered: 05/05/2025)
05/05/2025 2
(1 pg)
Certificate of Credit Counseling (Filed By Christopher A. Wyatt ). (Sargent, Emil) (Entered: 05/05/2025)
05/07/2025 3
(3 pgs)
Order: Possible Future Dismissal of Case. Court advises that 11 U.S.C. Section 521(i) requires automatic dismissal if information required by Section 521(a)(1) is not filed. Signed on 5/7/2025 (sat4) (Entered: 05/07/2025)
05/07/2025 4
(4 pgs)
Initial Case Management Order, Initial Order on Debtor’s Responsibilities, and Order Authorizing Use of Vehicles Pursuant to 363 and Providing Adequate Protection. Signed on 5/7/2025 (sat4) (Entered: 05/07/2025)
05/10/2025 5
(6 pgs)
BNC Certificate of Mailing. (Related document(s):4 Initial Order for Chapter 13 Case) No. of Notices: 2. Notice Date 05/10/2025. (Admin.) (Entered: 05/10/2025)
05/10/2025 6
(4 pgs)
BNC Certificate of Mailing. (Related document(s):3 Order: Possible Future Dismissal of Case) No. of Notices: 1. Notice Date 05/10/2025. (Admin.) (Entered: 05/10/2025)
05/12/2025 7
(2 pgs)
Notice of Appearance and Request for Notice Filed by Michael Kulak Filed by on behalf of U.S. Bank National Association, as Trustee (Kulak, Michael) (Entered: 05/12/2025)
05/12/2025 8
(4 pgs; 3 docs)
Emergency Motion to Extend the Deadline to File Motion to Extend Stay Filed by Debtor Christopher A. Wyatt (Attachments: # 1 Appendix Service List # 2 Proposed Order) (Sargent, Emil) (Entered: 05/12/2025)
05/13/2025 9
(1 pg)
Order Extending Deadline to File Motion to Extend Automatic Stay, (Related Doc # 8) Signed on 5/13/2025. (acj4) (Entered: 05/13/2025)
05/13/2025 10
(6 pgs; 4 docs)
Emergency Motion to Extend the Automatic Stay Filed by Debtor Christopher A. Wyatt (Attachments: # 1 Appendix Service List # 2 Appendix Unsworn Declaration of Emil R. Sargent under Penalty of Perjury # 3 Proposed Order) (Sargent, Emil) (Entered: 05/13/2025)
05/14/2025 11
(1 pg)
Order Setting Hearing, Signed on 5/14/2025 (Related document(s):10 Emergency Motion) Hearing scheduled for 5/23/2025 at 09:15 AM at telephone and video conference. (SierraThomasAnderson) (Entered: 05/14/2025)
05/14/2025 12
(2 pgs)
Notice of Appearance and Request for Notice Filed by Melissa E Valdez Filed by on behalf of SPRING INDEPENDENT SCHOOL DISTRICT AND HARRIS COUNTY MUNICIPAL UTILITY DISTRICT # 249 (Valdez, Melissa) (Entered: 05/14/2025)
05/14/2025 13
(19 pgs; 2 docs)
Chapter 13 Plan, Chapter 13 Plan Summary Filed by Christopher A. Wyatt. (Attachments: # 1 Appendix Plan Summary) (Sargent, Emil) (Entered: 05/14/2025)
05/14/2025 14
(7 pgs)
Summary of Assets and Liabilities Schedules for Individual , Schedule I: Individual- Your Income , Schedule J Individual- Your Expenses , Declaration About Individual Debtor’s Schedules (Filed By Christopher A. Wyatt ). (Sargent, Emil) (Entered: 05/14/2025)
05/15/2025 15
(3 pgs; 2 docs)
Notice of Hearing on Motion to Extend the Automatic Stay. (Related document(s):10 Emergency Motion) Filed by Christopher A. Wyatt (Attachments: # 1 Appendix Service List) (Sargent, Emil) (Entered: 05/15/2025)
05/15/2025 16
(2 pgs)
BNC Certificate of Mailing. (Related document(s):9 Order on Emergency Motion) No. of Notices: 2. Notice Date 05/15/2025. (Admin.) (Entered: 05/15/2025)

 


 

PACER Service Center
Transaction Receipt
05/16/2025 11:18:50

Christopher A. Wyatt (Duplicate Filer)

(25-30601)

United States Bankruptcy Court, S.D. Texas, Judge Jeff Norman

FEB 3  – FEB 19, 2025 | LIT PUBLISHED: MAY 16, 2025

Order Dismissing Debtor for deficiencies: Creditor Mailing List, Social Security Number. (srh4)

(Entered: 02/19/2025)

DEF22c, DEFb7, DEFmaillist, DEFsch, DEFss, DISMISSED

 

U.S. Bankruptcy Court
Southern District of Texas (Houston)
Bankruptcy Petition #: 25-30601

Assigned to: Bankruptcy Judge Jeffrey P Norman
Chapter 13
Voluntary
Asset

 

Debtor disposition:  Dismissed for Failure to File Information

Date filed:   02/03/2025
Debtor dismissed:   02/19/2025

 

Debtor
Christopher A Wyatt
406 Spring Lakes Haven
Spring, TX 77373
HARRIS-TX
832-768-0003
SSN / ITIN: xxx-xx-0000
represented by Christopher A Wyatt
PRO SE
Trustee
Tiffany D Castro
1220 Augusta Drive
Ste 500
Houston, TX 77057
713-722-1200
U.S. Trustee
US Trustee
Office of the US Trustee
515 Rusk Ave
Ste 3516
Houston, TX 77002
713-718-4650

 

Filing Date # Docket Text
02/03/2025 1
(8 pgs)
Chapter 13 Voluntary Petition Individual . Receipt Number o, Fee Amount $313 Filed by Christopher A Wyatt . (th4) Additional attachment(s) added on 2/3/2025 (DarleneHansen). (Entered: 02/03/2025)
02/03/2025 2
(1 pg)
Certificate of Credit Counseling (Filed By Christopher A Wyatt ). (dah4) (Entered: 02/03/2025)
02/03/2025 3 Pro Se Filer Identification (Debtor – Christopher Alan Wyatt ). (dah4) (Entered: 02/03/2025)
02/03/2025 4 Receipt of Chapter 13 Installment Filing Fee – $313.00 by TH. Receipt Number 40001453. (ADIuser) (Entered: 02/03/2025)
02/05/2025 5
(8 pgs)
Order: Possible Future Dismissal of Case. Court advises that 11 U.S.C. Section 521(i) requires automatic dismissal if information required by Section 521(a)(1) is not filed. Signed on 2/5/2025 (gg2) (Entered: 02/05/2025)
02/05/2025 6
(4 pgs)
Initial Case Management Order, Initial Order on Debtor’s Responsibilities, and Order Authorizing Use of Vehicles Pursuant to 363 and Providing Adequate Protection. Signed on 2/5/2025 (gg2) (Entered: 02/05/2025)
02/05/2025 7 No Creditor Mailing List (gg2) (Entered: 02/05/2025)
02/07/2025 8
(5 pgs)
BNC Certificate of Mailing. (Related document(s):6 Initial Order for Chapter 13 Case) No. of Notices: 1. Notice Date 02/07/2025. (Admin.) (Entered: 02/07/2025)
02/07/2025 9
(9 pgs)
BNC Certificate of Mailing. (Related document(s):5 Order: Possible Future Dismissal of Case) No. of Notices: 1. Notice Date 02/07/2025. (Admin.) (Entered: 02/07/2025)
02/11/2025 10
(2 pgs)
Notice of Appearance and Request for Notice Filed by Michael Kulak Filed by on behalf of U.S. Bank National Association, as Trustee of the Finance America Mortgage Loan Trust, 2004-1 (Kulak, Michael) (Entered: 02/11/2025)
02/19/2025 11
(1 pg)
Order Dismissing Debtor for deficiencies: Creditor Mailing List, Social Security Number. (srh4) (Entered: 02/19/2025)
02/21/2025 12
(3 pgs)
BNC Certificate of Mailing. (Related document(s):11 Dismissing Case for Deficiencies JN (FORMS)) No. of Notices: 1. Notice Date 02/21/2025. (Admin.) (Entered: 02/21/2025)

 


 

PACER Service Center
Transaction Receipt
05/16/2025 11:29:28

Christopher A. Wyatt (Duplicate Filer)

(22-31597)

United States Bankruptcy Court, S.D. Texas

JUN 7, 2022  – Nov 22, 2022 | LIT PUBLISHED: MAY 16, 2025

Christopher A. Wyatt and Tina M. Wyatt

 (02-35306)

United States Bankruptcy Court, S.D. Texas

May 13, 2002  – Oct 15, 2002 | LIT PUBLISHED: MAY 16, 2025

LIT COMMENTARY

Apr. 18, Aug. 2, NOV 14, 2024

There are two articles discussing foreclosure attempts on Wyatt’s residential property.

The summary below pertains to the main case, which ultimately led to the creation of this article when the stop foreclosure litigation was stayed due to Wyatt’s bankruptcy, and after nearly 16 months post bankruptcy, dismissed with prejudice.

In short, the case below involves the only pending foreclosure by the homeowner association.

On Jun. 5, 2022 Wyatt sued PHH et al in Harris County District Court to stop a non judicial foreclosure.

On Jun 7, 2022 Wyatt filed for bankruptcy protection in SDTX.

On Jun. 27, 2022, AVT appeared and answered via the Wolves and PHH appeared and answered via Locke Lord – who snap removed the case to federal court, with Wyatt also filing notice of Bankruptcy on the same day.

Power Default, a party to the proceedings during removal doesn’t give consent, but the notice of removal by Lord purports it can do so anyway – and where they also erroneously state that AVT has not been served, but clearly that is not true.

On July 29, 2022, after snap removal by Locke Lord of this “by the debtor” case, and subsequent appearance by Mark Cronenwett as lead counsel along with Nick Frame for the wolves, as counsel for AVT Title Services, LLC, Judge Hoyt released an ORDER STAYING THE REMOVED CASE.

On Nov. 25, 2022 the bankruptcy case is closed.

On March 20, 2024, some 481 days from the start date to the end date, but not including the end date.

Or 1 year, 3 months, 24 days excluding the end date.

Or 15 months, 24 days excluding the end date.

Judge Hoyt dismisses the case after the parties agree to dismissal with prejudice.

In the interim, on Apr. 15, 2024, the HOA files for summary judgment, but the notice is deficient and will need corrected.

LIT ASKS

How is it that Wyatt avoided non judicial foreclosure by PHH/AVT as soon as the bankruptcy ended, and avoided it for nearly 16 months?

Why did the Catholic Bandit and the Lords’ not prosecute zealously for their client(s)?

Why do they only persecute 85 year old widows?

LIT ANSWERS

Judicial and Legal Corruption.

202322442 –

SPRING LAKES HOMEOWNERS ASSOCIATION INC vs. WYATT, CHRISTOPHER A

 (Court 080, JUDGE JERALYNN MANOR)

APR 10, 2023 | REPUBLISHED BY LIT: AUG 4, 2023
AUG. 16, 22, OCT 3 18, NOV 1, 2023 AUG 2, NOV 14, 2024
MAY 16, 2025

Let’s reset the trial for the end of Jan. 2025.

APR 18 19, 2024

Case on “Holt” – Summary Judgment, kinda…

On Apr. 15, 2024 a motion for summary judgment was filed, but there’s an error in the notice of submission and set for Jun. 24, 2024 – which will need to be corrected by the HOA lawyers first….

Last Visit/Update by LIT

Let’s all push this trial out to mid-January, 2025

Apr 19 Update: There you go, a non-lawyer and legal blogger who knows local rules assists lawyers in correcting a hearing which could have been passed and/or contested as parties incorrectly identified – without providing legal advice – just noticing the law firm counsel who clearly reviewed and acted upon LIT’s email and submitted a corrected notice.

The question is, does that email make LIT “in privity” with the HOA and Holt?

Maybe y’all can answer that, because it appears today that in all proceedings and events leading to home ownership and subsequent foreclosure actions, even the auctioneers can sue to foreclose a home in Harris County District Court.

Howdy,

We’ve been updating this slow-movin’ HOA case involving Wyatt, and see y’all just filed for summary judgment.

That stated, there’s an error in the notice of submission which has been set for Jun. 24, 2024, and this will need to be corrected by the HOA lawyers first…

https://lawsintexas.com/pr/2q9

We’ve also added a few interested parties to this email thread, in case they wish to read and comment on LIT’s latest update.

Rest assure, we’ll check back later and update this high profile case on LIT accordingly.

Y’all have a great day.

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Bankruptcy: Christopher A. Wyatt (Duplicate Filer)
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