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Bankruptcy Attorney in Houston, Texas

Are you currently suffering from the financial burden of debt? Are you struggling to make ends meet? For millions of Americans, it can almost feel as though there is no possible way to come out from under a mountain of debt. At Payne & Associates, I’m ready to help you explore solutions that may help protect your financial interests for the long term.

Contact my office in Houston to discuss your situation and learn more about your options. I proudly serve clients throughout the surrounding area, including those located in Sugar Land, Katy, Pearland, and The Woodlands, Texas. Reach out today to set up a free consultation.

Ready to Help You Address Your Debt

Though you may think you are alone in your current struggle, the reality remains that millions of Americans have experienced everything from financial hardship to defaulting on a mortgage. For many of these individuals, filing for bankruptcy has allowed struggling consumers to finally shed their debts once and for all – and has allowed consumers to finally start living life with financial freedom.

I’ve spent years advising clients on the debt-relief process. As an experienced attorney, I’m prepared to assist you with a number of consumer bankruptcy issues, including:

I’ll leave no stone unturned as I help you seek a future free from debt. Reach out to me today at Payne & Associates to set up a free consultation.

Chapter 7 vs. Chapter 13 Bankruptcy

These two types of consumer bankruptcy are some of the most commonly used methods of debt relief, each providing its own set of benefits.

Chapter 7 Bankruptcy

Intended for those facing an insurmountable sum of debt, Chapter 7 bankruptcy is most often utilized by individuals with limited income. Also known as “liquidation bankruptcy,” it allows debtors to sell their non-exempt assets and use the funds to pay back creditors.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy is typically reserved for those whose income is deemed too high to qualify for Chapter 7 bankruptcy. If you choose to file for Chapter 13 bankruptcy, you will commit to a repayment plan in which you make monthly payments to your creditors.

Contact Payne & Associates today to speak with an experienced attorney. I offer no-cost, no-obligation consultations to all new clients.

Why Clients Are Choosing My Firm

Since my firm’s inception, I have always believed in valuing the rights and interests of my clients above all else. This client-focused approach to legal representation continues to separate my firm from the competition. I value the reputation I have cultivated over the years and continue to shape my processes and procedures around this tradition of excellence.

Additionally, I offer clients:

  • More than 15 years of successful bankruptcy filings

  • Risk-free, initial case consultations

  • Easy payment plans and flexible payment options

  • Cost-effective solutions

  • Personal attention from an attorney who is directly involved in your case from start to finish

  • Friendly, approachable, and communicative legal counsel from an entire team

Family-Owned & Operated Firm Committed to You

Though it may feel like there is no end in sight, I encourage you to get in touch with me as soon as possible. With the help of a qualified bankruptcy attorney, you could have access to the resources, support, and guidance you need to regain your financial footing. Because I recognize that no two cases are alike, I can create a customized solution that is designed with both your short- and long-term interests in mind.

Get your bankruptcy questions answered by scheduling a free consultation with me today at my office in Houston, Texas. Whether you live in Sugar Land, Katy, Pearland, or The Woodlands, I’m prepared to help you seek relief from your financial worries.