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Since 1986, we've been helping Houston residents navigate Chapter 13 bankruptcy with compassion and expertise. We've successfully helped thousands of families save their homes, keep their vehicles, and get back on solid financial ground.

We understand that if you're considering bankruptcy, you're already facing financial stress. Chapter 13 costs in Houston typically include court filing fees, attorney fees, credit counseling and debtor education courses, and Chapter 13 trustee fees built into your monthly plan payments.

One of the advantages of Chapter 13 is that most attorney fees can be paid through your repayment plan, so you typically don't need thousands of dollars upfront to get started. We'll provide you with a clear, upfront explanation of all costs during your free consultation, with no hidden fees or surprises.

Yes. The moment you file for Chapter 13 bankruptcy, an automatic stay goes into effect that immediately stops foreclosure proceedings. Chapter 13 allows you to catch up on missed mortgage payments over a 3- to 5-year period while continuing to make your regular monthly mortgage payments. As long as you stay current with your Chapter 13 plan payments and ongoing mortgage obligations, your lender cannot foreclose on your home.

You can keep your house in Chapter 13 bankruptcy. Unlike Chapter 7, where you must be current on your mortgage, Chapter 13 is specifically designed to help you catch up on past-due payments. Your home is protected as long as you make your plan payments and continue paying your regular mortgage. Texas has an unlimited homestead exemption, which provides additional protection for your home equity.

Chapter 13 plans typically last 3 to 5 years. If your income is below the median income for your household size in Texas, your plan will usually be 3 years. If your income is above the median, the plan will be 5 years. Once you complete all payments, any remaining eligible debts are discharged.