Chapter 13 A Fresh Start. A New Outlook.

Houston Chapter 13 Bankruptcy Lawyer

Call Payne & Associates: (713) 766-0333

Many people begin their bankruptcy journey by filing for Chapter 7 bankruptcy, but unfortunately, some people do not qualify. If you are not eligible for Chapter 7 bankruptcy due to high income or other factors, Chapter 13 may be a good alternative. The process for filing Chapter 13 bankruptcy can be complicated, so it's important to work with an experienced Houston bankruptcy attorney who understands the critical details of the process.

Unlike Chapter 7 bankruptcy, Chapter 13 allows individuals to repay their debts over a period of time. Your Houston bankruptcy attorney will negotiate payment plans and terms with your creditors, and you make monthly payments until the debt has been repaid. This option can take anywhere from three to five years to complete. After repaying the debt, many individuals can enjoy a fresh financial start.

Call Payne & Associates at (713) 766-0333 for a free evaluation of your debt.

Why Do I Need an Attorney?

In order to secure a favorable repayment plan, the contract and payment terms must be negotiated with creditors. It is important to work with a dedicated Chapter 13 bankruptcy attorney in Houston who can help you negotiate a repayment plan that is in your best interests.

At Payne & Associates, we provide personalized, one-on-one attention to each client, getting to know the ins and outs of their financial needs. We can protect you from creditors, represent you during creditor meetings, and walk you through the entire process, step-by-step. You will never feel lost or confused when you have our firm by your side.

By working with our lawyers, you can benefit from:

  • The ability to speak directly to an attorney anytime you need us
  • A family-oriented, friendly, and approachable staff
  • Help rebuilding and monitoring your credit post-bankruptcy
  • Flexible payment plans and reasonable attorney fees

If you are contemplating filing for Chapter 13 bankruptcy and want to weigh your options, speak to our Houston attorneys about whether this type of bankruptcy is right for you.

Call Payne & Associates at (713) 766-0333 to get started.

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.