Foreclosure A Fresh Start. A New Outlook.

Houston Foreclosure Defense Lawyers

Learn How Our Bankruptcy Lawyers May be Able to Help

The country's financial crisis has made home ownership impossible for some, while leaving others facing foreclosure. Foreclosure is a scary and difficult process, but the Houston bankruptcy attorneys at Payne & Associates can help. For the last 15 years, we have assisted our clients in avoiding foreclosure. Dealing with the potential loss of your home often feels like a hopeless process, but it does not have to be.

We work with clients on a variety of options, including:

  • Exploring federal relief programs
  • Avoiding foreclosure by filing bankruptcy
  • Completing a short sale instead

When Foreclosure Can't be Avoided

In some cases, foreclosure is inevitable, but that doesn't mean our work is done. We continue to help you so your rights are protected as you move through the foreclosure process. We can guide you through the paperwork and stressful calls to make sure that you are being treated fairly.

Why Choose Us

Payne & Associates is a family-operated firm. We are a tight knit group and understand the devastating impact that foreclosure can have on families in Houston. In many cases, children may be forced to move, which can cause additional stress. We understand what you're going through and offer professional assistance without judgment to ensure that you and your family have the best possible outcome for your situation.

If you are struggling to keep up with mortgage payments, get in front of the issue by working with us early in the process. Whether you were recently laid off or became buried in debt, getting in touch with an attorney may be the key to saving your home and the well-being of your family.

Call Payne & Associates at (713) 766-0333 today to speak with a dedicated and experienced attorney. We offer no-cost, no-obligation consultations for all new clients.

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.