Kyle Payne A Fresh Start. A New Outlook.

Kyle Payne

Mr. Payne is the managing partner of Payne & Associates. His practice is focused on consumer protection and bankruptcy and his experience includes representation in Chapter 7 and Chapter 13 bankruptcies, mortgage loan modification assistance, debt negotiation, and protecting consumers against unfair debt collection practices.

Mr. Payne received his undergraduate degree from Brigham Young University, receiving a B.A. of History. During his time as an undergraduate, Mr. Payne lived in Sonora, Mexico, for two years where he became fluent in Spanish.

Mr. Payne received his Juris Doctor from Temple University Beasley School of Law where he was named to the Dean’s Honor List and through his dedication in providing legal services to the indigent was honored as a Rubin Public Interest Law Honor Society Fellow. Mr. Payne graduated with well rounded experience in both adversarial and transactional law. He graduated with a certification in transactional law practice and began his courtroom experience through working for the Philadelphia District Attorney’s Office and through his clerkship with the Honorable Joseph D. O’Keefe.

Mr. Payne lives in the Houston area with his wife and four kids. In addition to the law he enjoys photography, video, and graphic design, playing basketball and golf and above all spending time with his beautiful wife and children.


  • Brigham Young University, B.A. of History
  • Temple University, J.D.

Courts Admitted

  • Texas State Courts
  • United States Federal and Bankruptcy Courts for the Northern, Eastern, Southern, and Western Districts of Texas


  • English
  • Spanish

Our 3-Step Process

Designed for Your Specific Needs
  • 1. Rebuild Your Credit Score - Fast

    Most attorneys simply look at the immediate effects of a bankruptcy. Not us. We go the extra step and make sure a bankruptcy filing benefits our clients for the long-run. This means we are there to help our clients completely rebuild their lives and their credit scores as fast as possible.

  • 2. Monitor Your Credit After Discharge

    Your relationship with Payne & Associates does not end after a discharge of debt! Even in the months following a discharge, we carefully monitor your credit and how creditors are dealing with your discharge. In some instances, creditors will not remove everything, but we make sure these violations do not occur or impact your score.

  • 3. Ready to Defend Your Discharge, If Needed

    Because we are constantly and proactively looking out for our clients, we stand at the ready to defend your discharge and take action to remove any erroneous information, if necessary. Because we are understanding of the financial pressure you may be under, we will add these services for the same price as a traditional bankruptcy filing.