Jamie Ellis' Texas file guide

Start with the file, not the fix.

When a transaction involves an estate, lien, divorce, bankruptcy, trust, or investor entity, organize the source documents before anyone guesses at the answer. This is a neutral title-and-escrow handoff—not a legal diagnosis.

Prepared by Jamie Ellis, President & CEO · Sources reviewed August 6, 2026

The universal packet

One cover sheet. Five document groups.

Start here no matter which complication is involved. “Present,” “requested,” and “not available” are useful answers. A guessed legal conclusion is not.

Routing label, not diagnosis

“Problem property” describes a file with extra title, authority, court, lien, trust, or entity paperwork. It says nothing about the property's physical condition or value.

  1. Cover sheet

    Property address or parcel, Texas county, transaction stage, target date, sender, parties, and the one process question that needs an answer first.

  2. Contract set

    The current signed contract and every amendment or addendum already in the file. Mark missing pages instead of reconstructing them from memory.

  3. Title set

    The complete current title commitment, if issued, plus the deed, legal description, survey, and exact Schedule B or C item numbers you want to discuss.

  4. Official references

    Court and cause number, county instrument number or volume/page, agency or account reference, and entity filing details. A reference locates a record; it does not decide what that record does.

  5. Packet index

    A short list labeled present, requested, or not available. Send copies and source references, not a conclusion about ownership, authority, priority, validity, or remedy.

Choose the lane; gather what exists

Six packets without six legal opinions.

A transaction may use more than one lane. These lists identify source documents that help the title team route a file. They do not say that any item is sufficient, controlling, effective, or the right remedy.

Estate

Probate or estate file

Send the court and estate papers that already exist. Do not use this guide to choose a probate path or decide who owns the property.

  • Current deed and complete title commitment, if one has been issued
  • Will and codicils, filed probate application, or heirship papers already in the file
  • Signed orders and Letters Testamentary or Letters of Administration already issued
  • Court, cause number, personal representative, and estate-counsel contact
Lien

Lien or payoff file

Match every question to a commitment item or recorded reference. Do not label a lien valid, released, expired, senior, junior, or enforceable.

  • Complete commitment and the exact Schedule B or C item number
  • Recorded instrument number, volume/page, and a clearly labeled search copy if available
  • Payoff, status, release, satisfaction, or account material already received
  • Creditor, servicer, association, tax office, agency, or counsel contact
Divorce

Divorce-related property file

Send the operative signed record and the title file together. This guide does not interpret a decree or tell either party what instrument or remedy to pursue.

  • Current deed, survey, legal description, and complete commitment
  • Signed final decree and operative property orders or settlement material
  • Filed or recorded conveyance documents and recording receipts already in the file
  • Court, cause number, party counsel, lender, and payoff contact
Bankruptcy

Bankruptcy-related property file

Use the court's docket and filed documents as the source. This guide does not interpret an order, stay, discharge, abandonment, sale authority, or lien treatment.

  • Federal court, district, case number, chapter, and current docket report
  • Property-related motions, notices, schedules, and signed orders identified by counsel
  • Current deed, complete title commitment, contract, and proposed closing date
  • Trustee, debtor counsel, creditor counsel, and transaction contacts
Trust

Trust-held property file

Send the trust evidence already prepared for the transaction. Do not use this page to decide whether a trust exists, who may act, or what the trust permits.

  • Current deed and complete title commitment, if issued
  • Certification of trust or relevant excerpt already prepared for third-party review
  • Amendments, restatements, resignations, or appointments affecting the current trustee
  • Trustee, successor-trustee, trust counsel, and transaction contacts
Investor

Investor or entity file

Show the deal structure and signer record without asking this checklist to validate either one. The title team can route the packet for its own review.

  • Contract, amendments, and any assignment, option, lease, or exchange papers already in the file
  • Entity formation record, governing documents, and signing-authority material
  • Current deed, complete commitment, survey, legal description, and occupancy or lease schedule
  • Lender, payoff, private-funding, intermediary, manager, member, and counsel contacts as applicable
What WG Title can route

A document question with a file attached to it.

  • Which title or escrow file detail is missing
  • Which exact item, instrument, case, or entity reference to include
  • Which document group the title team wants to review next
  • Which question needs title, escrow, underwriting, lender, court, or attorney follow-up
Official-source ledger

Use the record source; stop before the conclusion.

These sources support the bounded document references on this page. They are not presented as a legal checklist, title opinion, or instruction to pursue a particular court or transactional remedy. Reviewed August 6, 2026.

  1. Texas Department of Insurance - Commitment for Title Insurance (Form T-7)

    The official commitment structure: transaction facts, numbered exceptions, and numbered requirements. The guide uses exact item references and does not interpret them.

  2. Texas Estates Code, Chapter 306 - Granting and Issuance of Letters

    The official source for Letters Testamentary and Letters of Administration. The page asks for copies only when already issued and makes no authority conclusion.

  3. Collin County Clerk - Land Recordings

    A local official source for searching recorded documents by name, instrument number, or volume/page. The county warns that its online database is not the official repository.

  4. Texas Family Code, Chapter 7 - Award of Marital Property

    The official statutory context for signed divorce property orders. WG Title's guide requests the operative record but does not interpret its legal effect.

  5. United States Courts - Find a Case (PACER)

    The official access path for federal and bankruptcy case and docket information. The guide uses the court record as the source and leaves legal analysis to counsel.

  6. Texas Property Code, Chapter 114 - Certification of Trust

    The official statutory source that includes Section 114.086. The packet list asks for a certification or relevant excerpt already prepared; it does not create one.

  7. Texas Secretary of State - Business Services

    The official source for business filings, copies, and certificates. A public filing is a source document, not this page's conclusion about transaction authority.

  8. Texas Department of Insurance - Procedural Rule P-53

    The title-industry rule behind the guide's neutral availability: the resource is not conditioned on a referral, discount, or directing a closing to WG Title.

Document-handoff questions

Start early. Stay inside the lane.

Do I need every document before I contact WG Title?

No. Start with a packet index that says what is present, requested, or not available. Include the property, county, timing, source references, and one process question so the title team can identify the next document it needs.

Will this guide tell me what a lien, decree, order, trust, or estate document legally does?

No. Legal effect, validity, priority, enforceability, ownership, authority, and remedies are outside this guide. WG Title can communicate its title and escrow process and its file requirements; legal advice belongs with the parties' attorneys.

Can I upload court, trust, estate, or identity documents here?

No. The form saves only contact details, the property, document-group labels, source references, and a process question through WG Title's D1-first lead path. After a reference is saved, ask the team for the approved delivery method for the actual packet.

Why include exact case, instrument, item, or entity references?

They help the title team locate the same source record you are looking at. A reference is not authentication and does not establish a document's meaning or effect.

D1-first document handoff

Save the index before sending the packet.

The form records the contact, property, document-group labels, source references, and first process question in WG Title's durable lead path. It does not upload documents or ask you to paste their contents.

After the reference is saved, request the approved document delivery method. Never send wire instructions, account numbers, Social Security numbers, unredacted identity documents, or other sensitive material by ordinary email.

This resource is available on the same terms to everyone and is not conditioned on directing a closing to WG Title.

Inventory the packet first. After the D1 record is saved, request the approved delivery method for the actual documents.

Which document lanes are involved?

Choose every lane that applies. These are routing labels, not legal classifications.

What is already in the packet?

Check document groups only. Do not paste document text or sensitive identifiers into this form.

No file upload here. The durable lead record is created first.

This intake does not decide legal effect, validity, priority, enforceability, ownership, authority or a legal remedy.