Carron Nicks


Carron Nicks started writing bankruptcy and consumer finance articles for Nolo as a freelancer in 2016. She joined the company as a full-time Legal Editor in 2022. Her articles appear on,,, and

Education. Carron earned a B.A. (psychology) and an M.S. (counseling) from the University of South Alabama. She earned her J.D. from Tulane University School of Law (New Orleans), where she was inducted into the Order of the Barristers honor society, and served as an articles editor on the Law Review, while enjoying beignets, gumbo, and gallons of cafe au lait. 

Legal career. After law school, Carron served as law clerk to judges on the U.S. Fifth Circuit Court of Appeals and the U.S. Bankruptcy Court. She has spent more than 25 years representing debtors, creditors, and trustees in bankruptcy court, and plaintiffs in consumer finance, credit reporting, and deceptive trade practices litigation. Carron’s favorite pro bono activity is answering questions from the public on the American Bar Association’s Free Legal Answers website. She is a member of the Texas Bar and maintains a bankruptcy practice in Dallas. Over the years, Carron has kept a number of Nolo self-help books prominently displayed on her office bookshelves. 

Other pursuits. Prior to law school, Carron worked for the bankruptcy court in her hometown and for a bank and a bankruptcy law firm as a paralegal. After law school, in addition to her law practice, Carron taught undergraduate legal studies and business students. She began writing for Nolo and other legal and consumer-oriented publications and websites focusing on bankruptcy and personal finance. She also homeschooled her two (now adult) children, taught in a homeschool educational co-op program, and served many years as Cookie Mom for her daughter’s Girl Scout troop. 

Why Nolo? Nolo’s mission aligns with Carron’s vision of an accessible and consumer-friendly legal system. She has always enjoyed breaking down complex legal concepts so that nonlawyers can better understand how laws affect their lives and are better prepared to engage an often baffling and intimidating legal system.

Articles By Carron Nicks

Car Repossession: What Is the Difference Between Reinstatement and Redemption?
If your car is repossessed, you might be able to get it back by redeeming the car from the lender (paying the full amount you owe) or reinstating the car loan (getting current on payments). Below you can learn about redemption and reinstatement after vehicle repossession, the difference between the two, and whether those options will be available to you.
Can You File Bankruptcy with a Pending Lawsuit?
You can file a bankruptcy with a lawsuit pending, but the lawsuit will probably be put on hold.
How to File Bankruptcy and Keep Your Car
No one wants to lose a car in bankruptcy. Keeping your vehicle in bankruptcy will depend on the following: whether you file for Chapter 7 or Chapter 13 bankruptcy, if you’re behind on your car payment, and whether you can protect all of the vehicle equity with a bankruptcy exemption.
How Long Will My Chapter 7 Bankruptcy Case Last?
When compared to many other legal matters, a Chapter 7 bankruptcy is a relatively quick process. As a general rule, you can expect your case to last four to five months. This timeline, however, varies depending on where you live and where you file your case. In addition, several events might occur during your case that will extend the length of your Chapter 7 bankruptcy.
Can You File Bankruptcy on a Judgment?
Yes, by filing for bankruptcy you can even erase many money judgments received by a creditor in a lawsuit. But even if filing for bankruptcy will wipe out your responsibility to pay the debt associated with the judgment, filing alone won’t eliminate a judgment lien placed on your property. If you can protect property equity with an exemption, you’ll need to ask the court to “avoid” (remove) the lien to the extent the lien impairs your exemption right.
If You Receive an Inheritance During Your Bankruptcy Case
If you receive an inheritance after filing for bankruptcy, it might become part of your bankruptcy estate. In a Chapter 7 case, this means the trustee can take the inheritance unless it's protected by an exemption. In a Chapter 13 case, receiving an inheritance could increase the amount you have to repay to your creditors.
My Chapter 13 Bankruptcy Was Dismissed for Nonpayment. Should I Appeal?
Can you save your Chapter 13 bankruptcy case if the court dismisses it because you didn’t make your monthly plan payments?
Car Repossessions and Auto Loan Charge Offs
If you default on your car loan, you can almost always expect the lender to repossess the vehicle. If, after a car repossession, you still owe money pursuant to the loan, the lender may go after you for the money.
Should I File for Chapter 7 Bankruptcy If I Recently Purchased an Expensive New Car?
Everyone would like to sail through bankruptcy without any problems—but that might not happen if you file Chapter 7 bankruptcy soon after buying a new expensive car.
Can You File for Bankruptcy If Your House Is in Foreclosure?
Learn how you can use a bankruptcy case to save your home from foreclosure.