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I have a solid understanding of bankruptcy codes, which allows me to come up with creative debt-relief solutions.


By providing a judgment-free environment, I aim to make my clients feel comfortable telling me about their problems.


When your financial future is in question, you deserve a say in how it's handled. We'll work together every step of the way.

Bankruptcy Attorney in Houston, Texas

Areas of Service



Mortgage Modification


Businessmen who are stressed due to bankruptcy and are tearing the contract in front of the lawyer in the lawyer office.

Explore Your Debt Relief Options

If you're currently dealing with a massive amount of debt, it can be difficult to see the light at the end of the tunnel. Let me show you the potential paths you can take.

From asset liquidation to setting up a credit repayment plan, discover how filing for bankruptcy can help ease your financial worries and allow you to move forward.

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Together, We Can Work Toward Financial Freedom.

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Guiding You Through Life's Hardest Moments

Whether your debt is a result of student loans, medical bills, or another financial burden, it shouldn't ruin your life. Reach out to me at Payne & Associates if you're facing foreclosure or another serious consequence in the Houston area.

I'm ready to offer you attentive and honest legal counsel as you work through the bankruptcy process. If you live in Sugar Land, Katy, Pearland, or The Woodlands, Texas, contact me today to schedule a free consultation. Let's seek a solution together.