For years, Payne & Associates has provided trusted bankruptcy representation to families and individuals throughout Spring, TX, helping clients restore their financial stability through Chapter 7 and Chapter 13 proceedings. Our practice focuses on consumer protection and bankruptcy law, with extensive experience guiding clients through complex financial challenges.
We serve clients in both English and Spanish, ensuring clear communication throughout every step of your case. With admissions to Texas State Courts and all four U.S. District and Bankruptcy Courts in Texas, we have the credentials and courtroom experience to handle your financial recovery needs.
At our firm, we believe in providing compassionate, professional legal services that put our clients' financial futures first, treating each case with the attention and dedication it deserves.
See why families across Spring trust us for bankruptcy and consumer protection services.
Our Story
Managing partner Mr. Payne founded our practice after building extensive experience in both adversarial and transactional law, beginning his legal career with the Philadelphia District Attorney's Office and serving as a clerk to the Honorable Joseph D. O'Keefe. His dedication to serving clients earned him recognition as a Rubin Public Interest Law Honor Society Fellow during law school.
Mr. Payne's commitment to helping others began early - he spent two years in Sonora, Mexico, where he became fluent in Spanish, preparing him to serve Spring's diverse community. After earning his J.D. from Temple University Beasley School of Law with Dean's Honor List recognition, he concentrated in helping individuals navigate financial difficulties.
From Spring's established neighborhoods near Old Town to the growing residential communities throughout the area, we understand the unique financial pressures facing local families and work tirelessly to provide effective bankruptcy solutions.
We're proud to call Spring, TX home, where Mr. Payne lives with his wife and four children, staying connected to the community we serve.
Connect with our experienced bankruptcy team today.

Our team combines extensive legal training with genuine care for each client's financial recovery. Mr. Payne's well-rounded legal background, from courtroom advocacy to transactional law certification, ensures comprehensive representation for every bankruptcy case.
Why Clients Trust Us
Licensed in Texas State Courts and all four U.S. District and Bankruptcy Courts throughout Texas
Extensive court admissions
Fluent representation in both English and Spanish for clear communication
Bilingual services
Dedicated practice in Chapter 7 and Chapter 13 bankruptcies and consumer protection
Dedicated focus
Temple University J.D. with Dean's Honor List recognition and public interest law fellowship
Academic excellence
Managing partner lives in Spring with his family, understanding our community's needs
Local commitment
Your financial future deserves experienced legal guidance. With proven courtroom experience and comprehensive bankruptcy knowledge, our team is ready to help you restore your financial stability. We provide personalized attention to every case, and you can trust us to guide you through this challenging time. Contact Payne & Associates today to discuss your bankruptcy options in Spring, TX.
