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Chapter 7 Bankruptcy Law Firm

Wipe Out Your Debt & Start Fresh Today.

See if you qualify to completely wipe out credit cards, medical bills, and personal loans with a Houston Chapter 7 attorney.

  • Pass the Texas Means Test
  • Total & Fast Debt Discharge
  • Stop Creditors & Lawsuits
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Take Control of Your Financial Future

Drowning in monthly debt payments can feel like an endless cycle. Chapter 7 bankruptcy offers a direct path forward by completely wiping out your qualifying medical bills, credit cards, and personal loans, allowing you to hit the financial reset button in just a few months.

Our Houston bankruptcy attorneys work with you to navigate the Texas means test, protect your exempt property, and ensure your eligible unmanageable debts are permanently discharged.

How Keeling Gutierrez Delivers Your Fresh Start:

  • Protect Your Essential Assets
  • No Mandatory Repayment Plans
  • Stop Garnishments & Lawsuits
  • Fast Legal Process (Months)
  • Total Unsecured Debt Discharge
  • Immediate Financial Fresh Start

Don't let unmanageable debt dictate your life any longer. Talk to a Houston Chapter 7 bankruptcy lawyer today to see if you qualify to erase your balances. Call 713-497-1782 to book your free, confidential consultation.

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FREE  Chapter 7 Consultation

Contact us now at 713-497-1782 or message us here for your FREE consultation (in-person, phone, or virtual).

Chapter 7 LP
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Why Keeling Gutierrez Debt Relief Attorneys?

  • Houston Debt Relief Since 1986:

    For nearly 40 years, our attorneys have helped individuals throughout the Houston area navigate financial hardship and find meaningful debt relief solutions.

  • Protecting Your Exempt Assets:

    We guide you through Texas bankruptcy exemptions to maximize what you keep, helping protect your vehicle, home, and personal property during liquidation.

  • Judgment-Free Consultations:

    Overwhelming debt is stressful. We provide a supportive, pressure-free environment to discuss your financial situation openly and explore your legal options.

  • Proven Chapter 7 Experience:

    Our firm focuses exclusively on debt relief law, specializing in navigating the complex Texas means test to ensure your eligible unsecured debts are successfully discharged.

Free Consultation
Meet Your Legal Team

When monthly debt payments begin piling up and the fear of financial instability becomes overwhelming, having the right legal team on your side can make a meaningful difference.

Led by Kenneth A. Keeling, a Board Certified Consumer Bankruptcy Attorney by the Texas Board of Legal Specialization, our attorneys, paralegals, and bilingual support staff help Houston residents navigate complex Chapter 7 bankruptcy matters with experienced guidance and compassionate support.

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Photo includes attorneys and non-attorney staff members

Our Client Reviews

4.4
Based on 142 Reviews
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Anna Bugardi
Anna Bugardi
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Trilby Randall
Trilby Randall
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G CC
G CC
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Dr. Shavara Lyons
Dr. Shavara Lyons
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Donna Perri
Donna Perri
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Jim Rock
Jim Rock
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Maximum Cuts And Reps
Maximum Cuts And Reps
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Mike Lockwood
Mike Lockwood
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dorothy havelka
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Shaw Moreland
Shaw Moreland
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Marty
Marty
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Trena Antoine
Trena Antoine
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Clarissa Woods
Clarissa Woods
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KENNETH NELSON
KENNETH NELSON
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Tony Baptiste
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Brenda Lowman
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AQUA AVOCADO 64
AQUA AVOCADO 64
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Dorothy Smith (Farm girl Dot)
Dorothy Smith (Farm girl Dot)
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Claudia Arevalo
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Fariece Joiner
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Patricia Christmas
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Miley Veliz
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Felix Perez
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Carrington Seabrook
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Julia Eckenrode
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Stephanie Morales
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Jamie
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Seth Hearne
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Lord Optimo
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Linda Rayha
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Jessica Storment
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Bertha Soria
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Brenda Baggerley
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Nikki J
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ivan marroquin
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Isaiah Leon
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Cristal Guzman
Cristal Guzman
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Kierra Bradford
Kierra Bradford
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Gwendolyn Glover
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Shirley Becker
Shirley Becker
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Andrew Phillips
Andrew Phillips
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Anissa Henriquez
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Billie Lambeth
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Juan Vela
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Amy Stansbury
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Nancy B
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Deborah Berry
Deborah Berry
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Chris Ogilvie
Chris Ogilvie
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Dianthia Lemons-Gafford
Dianthia Lemons-Gafford
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Jennifer Mason
Jennifer Mason
Get Debt Relief:713-686-2222

Chapter 7 Bankruptcy FAQs

Chapter 7 is a legal process that completely wipes out qualifying unsecured debts—like credit cards, medical bills, and personal loans—giving you a clean slate. It doesn’t involve a long-term repayment plan; instead, a court trustee reviews your assets, and eligible debts are typically wiped out permanently in just a few months.

The main difference is a repayment plan. Chapter 7 completely erases your eligible debt in a matter of months without making you pay it back. Chapter 13 is a debt restructuring program where you pay back a portion of your debt over a 3-to-5-year period, which is usually chosen to save a home from foreclosure or if your income is too high to qualify for Chapter 7.

he Means Test is a calculation used to determine if your household income is low enough to qualify for Chapter 7. If your gross income is below the Texas median for a family of your size, you automatically qualify. If it’s higher, you may still qualify after a deep dive into your mandatory monthly living expenses and secured debt payments.

Not necessarily. Texas has incredibly generous asset exemptions. Most people who file for Chapter 7 are able to keep their primary home, their vehicles, retirement accounts, and essential personal belongings, provided their equity is within legal limits and they stay current on their underlying loan payments.

A Chapter 7 bankruptcy can stay on your credit report for up to 10 years from the date you file. However, your credit score can actually begin to recover much sooner than that, because erasing your unmanageable balances immediately fixes your debt-to-income ratio.

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Attorney and Paralegal in virtual meeting
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.

Schedule Consultation

Keeling Gutierrez Debt Relief Attorneys serves clients facing overwhelming debt across 14 Texas counties. We offer consultations both in-person at our office and over the phone for your convenience.

Counties we serve:

  • Austin County
  • Brazoria County
  • Chambers County
  • Colorado County
  • Fayette County
  • Fort Bend County
  • Grimes County
  • Harris County
  • Liberty County
  • Madison County
  • Montgomery County
  • San Jacinto County
  • Walker County
  • Waller County
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We are located in Houston's Heights area at I-10 and Studemont St. Schedule a free consultation today. Call us at 713-686-2222.
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Free Consultation:  713-686-2222