Houston Bankruptcy Legal Services

Filing Bankruptcy in Houston, TX

Did you know that filing Bankruptcy is provided for in the United States Constitution? Bankruptcy can be a scary word, but many people don't realize that the Federal Bankruptcy laws were created to help good people get a "fresh start" and pursue productive lives relieved from past financial problems. Filing bankruptcy can be an important alternative if you have more debt and stress than you can handle.

If you're like most people, you want to pay your bills. But a major financial problem such as loss of a job, vehicle repossession, injury, divorce, family emergency, medical bills, or just plain bad luck can make it difficult, if not impossible. Everyone's situation is different, and filing bankruptcy in Texas is not always the solution.

Qualified consumer debt attorneys at Keeling Gutierrez Debt Relief Attorneys are here to provide you with the support and legal expertise you need to address your concerns and find a solution that works for you.

Debt Relief & Counseling Services

Keeling Gutierrez Debt Relief Attorneys has been helping people in Houston with debt relief and debt counseling since 1986. We've provided thousands of families just like yours with bankruptcy services in Houston, which helped them to get a fresh start and get on with their lives.

The Bankruptcy Code is divided into chapters. As a consumer debtor (as opposed to a business debtor), the chapters most likely to apply to you are Chapter 7, known as a "straight bankruptcy" and Chapter 13, which involves a debt repayment plan.

Call Keeling Gutierrez Debt Relief Attorneys today at 713-686-2222 for a free consultation to discuss your bankruptcy options and get the fresh start you deserve.

• Home Foreclosure:

  Facing foreclosure can be overwhelming, but you have options. We help you explore bankruptcy protections and alternatives to save your home or transition with dignity.

• Vehicle Repossession:

  Don't lose your car or truck. We can help stop repossession through bankruptcy protection, allowing you to keep your vehicle and maintain your livelihood.

• Wage Garnishments:

  Wage garnishment can devastate your finances. We'll help you stop creditors from taking your hard-earned paycheck and find lasting debt relief solutions.

• Medical Bills:

  Medical debt shouldn't ruin your financial future. Bankruptcy can eliminate most medical bills, giving you a fresh start without the burden of healthcare costs.

• Credit Card Debt:

  Drowning in credit card debt? We help you discharge unsecured debt through bankruptcy, stopping collection calls and ending the cycle of minimum payments.

• Payday Loans:

  Break free from the payday loan trap. Bankruptcy can eliminate these high-interest debts and protect you from predatory lending practices.

• IRS Debt:

  Tax debt doesn't have to follow you forever. We'll help you understand which tax obligations can be discharged or managed through bankruptcy protection.

• Loan Modifications:

  Restructure your debt to make it manageable. We work with creditors to modify loan terms, reduce payments, and create sustainable repayment plans.

• Student Loans:

  While student loans are challenging to discharge, we'll explore all available options including undue hardship claims and repayment plan alternatives.

• Property Tax:

  Behind on property taxes? We can help you address delinquent property tax debt and explore bankruptcy options to protect your home from tax liens.

• Being Sued?

  Facing a lawsuit from creditors? Filing bankruptcy can stop the lawsuit immediately through an automatic stay, protecting you from judgments and legal action.