Chapter 7 A Fresh Start. A New Outlook.

Houston Chapter 7 Bankruptcy Lawyer

Guiding Individuals Through Chapter 7

The thought of bankruptcy is frightening and stressful, but filing doesn't have to ruin your life. Working with a dedicated and experienced attorney can help get you on the right track to debt relief. Our Houston bankruptcy lawyers at Payne & Associates have more than 15 years of experience working on complex bankruptcy cases and have helped hundreds of clients free themselves from the overwhelming burden of mounting debt.

For a free bankruptcy evaluation, call Payne & Associates at (713) 766-0333.

What Is Chapter 7 Bankruptcy?

While there are many types of bankruptcy filings, Chapter 7 is one of the more common forms that a Houston bankruptcy attorney can assist with. This particular type of filing is known as debt liquidation, as it cancels out nearly all of an individual's debts, including credit card debt, medical bills, collection agency accounts, and more. This allows the person to start with a clean financial slate.

Chapter 7 Bankruptcy Eligibility: The Means Test

In order to qualify for Chapter 7 bankruptcy, an individual must pass the "means test." This test compares the individual's monthly income to the median family income for their family size in their state. This is done primarily to examine an individual’s level of financial hardship and his or her ability to repay the debt. If you are not eligible for Chapter 7 bankruptcy, you can consider Chapter 13 bankruptcy, which is also an effective way to get rid of your debt.

Benefits of Hiring a Bankruptcy Lawyer

Our Houston bankruptcy lawyers at Payne & Associates offer free consultations to determine which form of bankruptcy filing is right for each individual. When you partner up with our firm, we go above and beyond the traditional duty of a bankruptcy lawyer by working closely with each client to help them rebuild their credit scores and monitor their credit reports.

We proudly offer our clients the following services:

  • Free consultation
  • Payment plan options
  • Over 15 years of proven experience
  • A caring, family-oriented environment
  • Personalized and customized legal strategies

If you are struggling with the stress of overwhelming financial burden and are curious about whether or not filing bankruptcy is right for you, talk to our firm about your situation, contact us at (713) 766-0333.

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.