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Trusted Debt Relief Since 1986

Reclaim Your Financial Freedom

38+ years of dedicated bankruptcy experience, helping Houston residents eliminate overwhelming debt and rebuild their lives through Chapter 7 and Chapter 13 bankruptcy.

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Houston Bankruptcy Attorney

Chapter 7 & 13 Consumer Bankruptcy Law Firm

When crushing debt threatens your financial security and peace of mind, Houston bankruptcy attorneys who exclusively focus on bankruptcy law can help. At Keeling Gutierrez Debt Relief Attorneys, we've been helping Houston residents escape overwhelming debt through Chapter 7 and Chapter 13 bankruptcy since 1986.

Led by our Board-Certified Consumer Bankruptcy attorney Kenneth A. Keeling, we bring over 60 years of combined experience to every case.

Whether you're facing relentless debt collectors, mounting medical bills, or the threat of foreclosure, bankruptcy protection can stop the harassment and end the sleepless nights.

Through strategic bankruptcy filings, we provide:

With nearly four decades exclusively practicing bankruptcy law, we'll guide you toward financial freedom. Don't let creditors and overwhelming bills control your life any longer.

Our Houston bankruptcy attorneys are ready to help you stop foreclosure, wage garnishment, repossessions, and more. Free debt consultation: 713-686-2222

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Our Houston Bankruptcy Services

Our comprehensive bankruptcy services cover the full spectrum of Chapter 7 and Chapter 13 solutions - whether you need emergency protection from creditors through bankruptcy filing or strategic debt elimination planning. 

This means you work with one experienced bankruptcy team throughout your entire financial recovery rather than coordinating between multiple specialists or law firms.

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Why Keeling Gutierrez Debt Relief Attorneys?

  • Compassionate Team:

    We understand financial hardship is deeply personal. Our caring attorneys approach every case with empathy, treating you with dignity and respect throughout the process.

  • Transparent Pricing:

    We provide clear, upfront pricing and flexible payment plans that work with your budget. You'll know exactly what to expect from day one.

  • Chapter 7 & 13 Specialists:

    Unlike general practice attorneys who handle bankruptcy as just one of many practice areas, we focus exclusively on Chapter 7 and Chapter 13 bankruptcy cases.

  • Proven Success Record

    Thousands of satisfied clients have successfully eliminated their debt through our proven strategies. We have the track record and testimonials to back up our promises.

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5-Star Rated Houston Bankruptcy Law Firm

5 stars
  • google-reviewer-1
    I have to say that his firm is how I got my life in order after a divorce. I kept my home, was given time to make decisions and now that I am selling my home and coming out of all debt, they did the most important thing... helped me with an exciting fresh start.
    Jennifer S. ★★★★★
  • google-reviewer-2
    I really felt awful about having to file bankruptcy however once we went in and heard how filing would help turn things around in our lives we felt better. With their knowledge and professional assistance through out this very stressful process, I'm in a better place.
    Gwendolyn G. ★★★★★
  • google-reviewer-3
    I was reluctant at first going through this route, but at the end it was for the best; everything is official no shady businesses who says they will do the same. If you are in a financial situation that cannot hold anymore I would suggest Keeling Law Firm.
    Cyril W. ★★★★★
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Our Bankruptcy Process

  1. Free Consultation:

    We'll conduct a thorough review of your debts, income, and assets during your no-cost consultation. Together, we'll determine whether Chapter 7 or Chapter 13 is right for you and discuss your financial challenges, goals, and available options.

  2. File Your Bankruptcy Case:

    Our experienced team prepares and files all necessary documentation with the court. Once filed, you receive immediate protection from creditor harassment and foreclosure through the automatic stay while we handle all required forms and creditor communication.

  3. Rebuild Your Financial Future:

    We don't just eliminate your debt—we provide ongoing guidance to help you rebuild your credit score and maintain long-term financial stability. Your fresh start includes complete debt elimination and proven credit rebuilding strategies.

Ready To Eliminate Your Debt?

Contact us today at 713-686-2222 or message us here for your free consultation (in-person, phone, or virtual) - you have nothing to lose but your debt!

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Your Bankruptcy Questions Answered

What does filing bankruptcy actually mean?

Bankruptcy is a legal process that helps individuals and businesses eliminate or reorganize overwhelming debt they cannot pay. It's a constitutional right designed to give people a fresh financial start.

When you file bankruptcy in Texas, you're asking a federal court to either eliminate your debts (Chapter 7) or create an affordable repayment plan (Chapter 13). Most people keep their essential property like their home and car while getting relief from creditor harassment and debt stress.

What's the difference between Chapter 7 and Chapter 13 bankruptcy?

Chapter 7 eliminates most unsecured debts in 4-6 months and is designed for people who cannot repay their debts. Chapter 13 creates a 3-5 year repayment plan for people with regular income who need to reorganize debts, catch up on mortgage payments, or protect valuable assets.

Our bankruptcy attorneys will help determine which chapter best fits your financial situation during your free consultation.

Will debt relief or bankruptcy ruin my credit forever?

No. While debt relief actions do impact your credit initially, they also provide a path to rebuilding your financial health. Many clients see credit score improvements within 12-18 months as they establish positive payment history without the burden of overwhelming debt.

We provide guidance on credit rebuilding strategies to help you achieve long-term financial security and even reach a 720+ credit score.

How much does it cost to hire a bankruptcy attorney?

Our fees vary depending on the complexity of your case and the type of bankruptcy filing that best suits your situation. Chapter 7 cases are typically more straightforward and have different fee structures than Chapter 13 cases, which involve payment plans.

At Keeling Gutierrez, we believe in transparent pricing—during your initial consultation, we'll review your financial situation, explain which bankruptcy option is right for you, and provide a clear breakdown of our fees with no hidden costs.

What differentiates Keeling Gutierrez from other Houston bankruptcy law firms?

There is no substitute for expertise. Keeling Gutierrez brings nearly four decades of specialized bankruptcy knowledge to every case, led by a board-certified attorney practicing since 1986 alongside our team of experienced attorneys.

With bilingual attorneys and staff, we provide knowledgeable and caring guidance in both English and Spanish.

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Flexible Consultation Options.

With 3 ways to navigate your bankruptcy you decide: work with us in-person, by phone, or through virtual meetings as we guide you through the process.

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Free Consultation:  713-686-2222
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