When you face financial difficulties, expert legal guidance can make a significant difference in navigating the complex landscape of bankruptcy.
Chapter 13 bankruptcy offers a path for individuals to reorganize their debts and regain financial stability while protecting their assets.
Finding the best Chapter 13 bankruptcy lawyer in Houston can greatly improve your chances of a successful outcome. These specialized attorneys possess in-depth knowledge of bankruptcy laws and procedures, enabling them to provide tailored advice and representation throughout the process.
By choosing an experienced professional, you can ensure your rights are protected and your financial future is secured.
1) Neal Davis Law Firm
When seeking legal representation for Chapter 13 bankruptcy in Houston, you might consider the Neal Davis Law Firm.
While primarily known for criminal defense, this firm has expanded its practice areas to include bankruptcy cases.
Neal Davis brings over two decades of legal experience to his practice.
His background includes working alongside renowned attorney Dick DeGuerin before establishing his own firm.
You’ll find that Davis is board certified in criminal law, demonstrating his expertise in complex legal matters.
This certification speaks to his commitment to professional development and maintaining high standards in his practice.
The firm’s approach emphasizes personalized attention to each case.
You can expect a thorough review of your financial situation and tailored advice on whether Chapter 13 bankruptcy is the right option for you.
Davis’s reputation extends beyond his criminal defense work.
He has been recognized as one of the Best Lawyers in America, a testament to his skill and dedication across various legal fields.
Located in Houston, the Neal Davis Law Firm is accessible to clients throughout the area.
You can schedule a consultation to discuss your Chapter 13 bankruptcy needs and determine if their services align with your legal requirements.
2) Simmons & Fletcher, P.C.
Simmons and Fletcher, P.C. is a respected law firm in Houston specializing in personal injury cases.
While they primarily focus on injury law, their expertise extends to handling bankruptcy matters that intersect with personal injury claims.
Their attorneys understand the complex interplay between Chapter 13 bankruptcy and ongoing personal injury cases.
This knowledge is crucial, as filing for bankruptcy can significantly impact your personal injury claim if not handled properly.
The firm’s lawyers can guide you through the process of protecting your personal injury settlement in a Chapter 13 bankruptcy.
They’ll help you navigate the legal complexities to ensure your rights are safeguarded.
Paul Cannon, one of the firm’s attorneys, holds certification from the Texas Board of Legal Specialization in Personal Injury Trial Law.
This expertise can be invaluable when dealing with bankruptcy issues related to injury settlements.
Simmons and Fletcher, P.C. has a track record of securing substantial settlements for their clients.
Their experience in both personal injury and bankruptcy matters makes them a strong choice if you’re facing financial difficulties while pursuing an injury claim.
The firm’s Christian values underpin their approach to legal representation.
You can expect compassionate and ethical treatment as they work to protect your interests in both bankruptcy and injury matters.
3) Heston Law Firm, PLLC
Heston Law Firm, PLLC is a respected legal practice in Houston specializing in debt relief and bankruptcy cases.
With over 30 years of experience, they have successfully handled more than 5,000 bankruptcy cases.
The firm’s founder, James Heston, is a seasoned attorney who has been practicing law since 1994.
He graduated from Pepperdine University School of Law and gained valuable experience clerking at the Texas Supreme Court before establishing his own practice.
When you’re facing overwhelming debt, Heston Law Firm can help you explore your options.
They focus on Chapter 7 bankruptcy cases, which can potentially eliminate your credit card debt and provide a fresh financial start.
The firm’s attorneys are skilled in defending clients against debt lawsuits.
They have successfully contested over 5,000 debt lawsuits involving more than 300 different creditors, with total debts exceeding $50 million.
You can expect personalized attention and strategic guidance from the experienced team at Heston Law Firm.
They understand the complexities of bankruptcy law and are committed to protecting your rights against even the largest banks and credit card companies.
If you’re considering bankruptcy or need assistance with debt-related legal issues, Heston Law Firm offers free consultations.
Their expertise and track record make them a strong choice for those seeking debt relief in Houston.
4) The Lane Law Firm, PLLC
The Lane Law Firm is a team of dedicated Texas attorneys who can assist you with your Chapter 13 bankruptcy needs in Houston.
They focus on advocating for clients facing complex financial situations.
If you’re struggling with business debt, difficult insurance companies, or trying to save your home from foreclosure, The Lane Law Firm is ready to support you.
Their attorneys specialize in turning around tough financial situations.
The firm offers a free consultation to discuss your case.
This allows you to get legal support right away and understand your options before making any commitments.
Located in Houston, The Lane Law Firm is well-versed in Texas bankruptcy laws.
They can guide you through the intricacies of Chapter 13 bankruptcy, helping you develop a repayment plan that works for your situation.
The attorneys at The Lane Law Firm understand the stress of financial difficulties.
They strive to provide compassionate, professional service as you navigate the bankruptcy process.
With their experience in business bankruptcy, insurance claims, and foreclosure defense, The Lane Law Firm can offer comprehensive support for your financial challenges.
You can trust their expertise to help you find the best path forward.
5) Law Offices of Chance McGhee
Chance McGhee is a highly experienced bankruptcy attorney based in San Antonio, Texas.
With over 18 years of experience, he has helped numerous clients navigate the complexities of Chapter 13 bankruptcy.
When you work with the Law Offices of Chance McGhee, you’ll receive personalized attention and expert guidance.
Attorney McGhee offers a free initial assessment of your financial situation, explaining your options and helping you make the best choice for your future.
As a member of the San Antonio Bankruptcy Bar Association, Chance McGhee stays up-to-date with the latest developments in bankruptcy law.
This ensures that you receive the most current and effective legal advice for your situation.
The firm specializes in both Chapter 7 and Chapter 13 bankruptcy filings.
If you’re considering Chapter 13 bankruptcy, Attorney McGhee can help you understand if it’s the right option for your circumstances.
You’ll benefit from Chance McGhee’s expertise in consumer bankruptcy law.
He has been recognized for his skills, including being named one of the Best Bankruptcy Lawyers in San Antonio in 2016.
At the Law Offices of Chance McGhee, you can expect clear communication and straightforward explanations of complex legal matters.
The firm is committed to helping you achieve the best possible outcome for your financial future.
6) Busby & Associates
Busby & Associates is a reputable law firm in Houston specializing in bankruptcy cases.
If you’re considering filing for Chapter 13 bankruptcy, their experienced attorneys can provide the guidance you need.
The firm’s founder, Michael G. Busby Jr., is a seasoned bankruptcy lawyer with extensive knowledge of Texas bankruptcy laws.
You can benefit from his expertise in navigating complex financial situations.
Busby & Associates offers personalized legal services for individuals and small businesses facing financial difficulties.
They can help you understand the intricacies of Chapter 13 bankruptcy and determine if it’s the right option for your situation.
When you work with this firm, you’ll receive professional representation throughout the bankruptcy process.
Their attorneys can assist you in creating a manageable repayment plan and negotiating with creditors on your behalf.
The firm’s commitment to client satisfaction is evident in their approach.
They strive to make the bankruptcy process less intimidating by offering clear explanations and support at every step.
Busby & Associates serves Houston and the surrounding counties.
If you’ve missed mortgage or vehicle payments, or are facing a lawsuit, their Chapter 13 bankruptcy services may help you regain financial stability.
By choosing Busby & Associates, you’re partnering with a law firm that combines legal expertise with a client-focused approach.
Their goal is to help you navigate through financial challenges and work towards a more secure future.
7) Dove Law Firm, PLLC
Dove Law Firm, PLLC is a reputable bankruptcy law firm in Houston, Texas.
You can find their office at 1111 North Loop W #1115, Houston, TX 77008.
When facing financial difficulties, you may want to consider Chapter 13 bankruptcy as a potential solution.
Dove Law Firm specializes in helping clients navigate this complex process.
Chapter 13 bankruptcy can be beneficial if you’re behind on mortgage payments, car loans, or owe money to the IRS.
The firm can guide you through creating a 3 to 5-year repayment plan to address your debts.
Ryan Dove, the founding attorney, brings extensive experience to the table.
He has worked with various law firms since 2006, honing his skills in bankruptcy law.
The firm’s commitment to excellence is evident in their recognition.
They have received awards such as the Best Bankruptcy Lawyers in Houston and the BBB Award for Excellence.
You can expect professional and personalized service from Dove Law Firm.
They understand the stress of financial challenges and strive to provide compassionate support throughout your bankruptcy journey.
8) Patrick D. Williams, Attorney at Law
Patrick T. Williams is a highly experienced bankruptcy attorney in Houston, Texas.
With over 20 years of guiding debtors through bankruptcy proceedings, he offers valuable expertise to those considering Chapter 13 bankruptcy.
As both an attorney and a Certified Public Accountant, Williams brings a unique perspective to your financial situation.
This dual expertise allows him to provide comprehensive advice on both legal and financial aspects of your case.
Williams offers a free consultation to discuss whether bankruptcy is the right option for you.
During this meeting, you can explore your financial circumstances and determine if Chapter 13 is the most suitable path forward.
His law firm specializes in bankruptcy and tax law, making him well-equipped to handle complex financial situations.
Whether you’re dealing with unpaid bills or seeking debt relief, Williams can help you understand your rights and options.
Located in Houston, Williams serves clients throughout the surrounding area.
His goal is to help you achieve peace of mind and financial stability through the bankruptcy process.
When considering Chapter 13 bankruptcy, make sure to work with an attorney who understands the intricacies of the law.
Williams’ extensive experience and specialized knowledge make him a strong choice for those seeking guidance in this area.
9) Karam Law Firm
Karam Law Firm offers specialized services for those seeking Chapter 13 bankruptcy assistance in Houston.
Their experienced attorneys understand the complexities of financial distress and work diligently to help you find relief.
You can trust Karam Law Firm to guide you through the Chapter 13 process with professionalism and care.
Their team will explain your options and help you develop a repayment plan tailored to your specific situation.
The firm’s attorneys are well-versed in Texas bankruptcy laws and will advocate for your best interests.
They can help you protect your assets while working towards financial stability.
Karam Law Firm prides itself on providing personalized attention to each client.
You’ll receive one-on-one guidance throughout your bankruptcy journey, ensuring you understand each step of the process.
Their commitment to client success extends beyond the courtroom.
The firm offers resources and advice to help you rebuild your credit and maintain financial health after bankruptcy.
With Karam Law Firm, you’ll have a dedicated legal team working to secure a favorable outcome for your Chapter 13 case.
Their goal is to help you achieve debt relief and regain control of your financial future.
10) The Weaver Law Firm
The Weaver Law Firm in Houston offers experienced representation for Chapter 13 bankruptcy cases.
Their attorneys have earned recognition from Super Lawyers®, indicating a high degree of peer recognition and professional achievement.
When you choose The Weaver Law Firm, you gain access to legal professionals who have demonstrated excellence in their field.
The firm’s attorneys have undergone a rigorous selection process, including independent research, peer nominations, and evaluations.
The Weaver Law Firm understands the complexities of Chapter 13 bankruptcy.
They can guide you through the process of reorganizing your debts and creating a manageable repayment plan.
You can expect personalized attention to your case from The Weaver Law Firm.
Their attorneys will work closely with you to understand your financial situation and develop a strategy tailored to your needs.
The firm’s expertise in bankruptcy law can help you navigate the legal system effectively.
They can assist you in filing your petition, representing you in court, and negotiating with creditors on your behalf.
By choosing The Weaver Law Firm, you’re selecting a team that has been recognized for their legal prowess.
Their Super Lawyers® rating suggests a track record of success and client satisfaction in handling bankruptcy cases.
11) The Law Offices of R.J. Atkinson, LLC
When seeking bankruptcy assistance in Houston, you might consider The Law Offices of R.J. Atkinson, LLC.
This firm specializes in consumer bankruptcy, including Chapter 13 cases.
Located at 3617 White Oak Dr. in Houston, TX, the law office is conveniently situated for local clients.
They serve individuals facing financial difficulties and seeking debt relief solutions.
The firm’s founder, Rogena Jan Atkinson, has been licensed to practice law in Texas since 2001.
Her areas of expertise include bankruptcy, creditor-debtor issues, and commercial litigation.
If you’re considering Chapter 13 bankruptcy, The Law Offices of R.J. Atkinson can guide you through the process.
They aim to provide a positive experience that leads to a fresh financial start.
The firm handles various aspects of bankruptcy, including foreclosures, repossessions, and tax problems.
They offer free initial consultations to discuss your specific situation and potential options.
You can reach out to The Law Offices of R.J. Atkinson for assistance with Chapter 7, Chapter 11, or Chapter 13 bankruptcy filings.
Their goal is to help you eliminate or significantly reduce your debt burden.
With offices in multiple Texas cities, including Houston, San Antonio, Dallas, and Austin, the firm is well-positioned to serve clients across the state.
You can contact them to explore your bankruptcy options and determine if Chapter 13 is the right choice for your financial situation.
12) Griffith & Sawyer
Griffith & Sawyer is a reputable law firm in Houston specializing in Chapter 13 bankruptcy cases.
Their team of experienced attorneys is dedicated to helping you navigate the complexities of financial restructuring.
When you choose Griffith & Sawyer, you’ll work with skilled professionals who understand the intricacies of Chapter 13 bankruptcy law.
They can guide you through the process of creating a manageable repayment plan tailored to your specific financial situation.
The firm’s attorneys are known for their personalized approach.
They take the time to understand your unique circumstances and develop strategies that best serve your interests.
You can expect clear communication and support throughout your bankruptcy journey.
Griffith & Sawyer’s expertise extends beyond just filing paperwork.
They can assist you in negotiating with creditors, protecting your assets, and helping you regain financial stability.
Their goal is to provide you with a fresh start and peace of mind.
With their deep knowledge of Texas bankruptcy laws, the attorneys at Griffith & Sawyer can help you make informed decisions about your financial future.
They strive to make the bankruptcy process as smooth and stress-free as possible for their clients.
13) Law Office of David A. Fernandez, P.C.
If you’re seeking a reputable bankruptcy attorney in Houston, consider the Law Office of David A. Fernandez, P.C..
This firm specializes in debt relief matters, including Chapter 13 bankruptcy cases.
David A. Fernandez brings extensive experience to the table.
At 59 years old, he is licensed to practice law in Texas and has dedicated his career to helping clients navigate financial challenges.
The firm’s focus on consumer rights sets it apart.
They prioritize your needs first in debt defense matters, offering seasoned advice and strong advocacy to protect your interests.
Located in uptown Houston, the Law Office of David A. Fernandez, P.C. provides free initial phone consultations.
This allows you to discuss your situation and learn how they can assist you in obtaining relief from overwhelming debt.
Client satisfaction appears to be a priority for this firm.
They have garnered 382 customer reviews on Birdeye, indicating a track record of client engagement.
The firm’s services extend beyond Chapter 13 bankruptcy.
They also handle Chapter 7 cases, bank foreclosures, and matters related to deceptive trade practices.
You can easily schedule an appointment online or reach out to their office directly.
Their commitment to accessibility and client communication can be valuable when dealing with complex financial matters.
Understanding Chapter 13 Bankruptcy
Chapter 13 bankruptcy offers a structured repayment plan to help individuals with regular income manage their debts.
This process allows you to keep your assets while working towards financial stability over a 3-5 year period.
Overview of Chapter 13 Bankruptcy
Chapter 13 bankruptcy is a repayment plan that lets you reorganize your debts.
Unlike Chapter 7, which liquidates assets, Chapter 13 allows you to retain your property while paying off creditors over time.
You’ll work with a court-appointed trustee to develop a feasible repayment plan based on your income and expenses.
This plan typically lasts 3-5 years, during which you’ll make regular payments to the trustee.
The trustee then distributes these funds to your creditors according to the approved plan.
At the end of the repayment period, remaining eligible debts may be discharged.
Eligibility Requirements
To qualify for Chapter 13 bankruptcy, you must meet specific criteria:
- Regular income: You need a steady source of income to make plan payments.
- Debt limits: Your unsecured and secured debts must fall below certain thresholds.
- Tax filings: You must be current on your tax filings.
- Credit counseling: Completion of a credit counseling course is required.
You cannot file for Chapter 13 if a previous bankruptcy petition was dismissed within the last 180 days due to your actions.
Corporations and partnerships are not eligible for Chapter 13.
Process and Timeline
The Chapter 13 bankruptcy process involves several key steps:
- Credit counseling
- Filing the petition
- Proposing a repayment plan
- Meeting of creditors (341 meeting)
- Confirmation hearing
- Plan execution
After filing, you’ll attend a 341 meeting where creditors can ask questions about your financial situation.
The court then reviews and confirms your repayment plan.
Once confirmed, you’ll make regular payments to the trustee for 3-5 years.
During this time, you must stick to your budget and avoid taking on new debt without court approval.
Upon successful completion of the plan, remaining eligible debts are discharged.
This process offers a fresh financial start while allowing you to keep your assets.
Finding the Best Chapter 13 Bankruptcy Lawyer in Houston
Selecting the right Chapter 13 bankruptcy lawyer in Houston is crucial for navigating the complex legal process successfully.
Your choice can significantly impact the outcome of your case and your financial future.
Qualities to Look For
Experience in Chapter 13 cases is essential.
Look for a lawyer who has handled numerous Chapter 13 bankruptcies in Houston’s courts.
They should have in-depth knowledge of local bankruptcy laws and procedures.
Expertise in tax and debt issues is also vital.
Your lawyer should be able to help with various debt types, including mortgage arrears, car loans, and IRS debts.
Strong communication skills are crucial.
Your attorney should explain complex legal concepts in easy-to-understand terms and keep you informed throughout the process.
Seek a lawyer with a good reputation.
Check online reviews and ask for references from past clients.
A history of successful Chapter 13 cases is a positive indicator.
Questions to Ask During Consultation
Inquire about the lawyer’s experience with Chapter 13 cases in Houston.
Ask how many cases they’ve handled and their success rate.
Discuss fees upfront.
Ask about their fee structure and what services are included.
Some lawyers may offer payment plans or include court filing fees in their overall cost.
Ask about their approach to your specific case.
A good lawyer will provide a clear strategy tailored to your financial situation.
Inquire about the expected timeline for your case.
While exact timelines vary, an experienced lawyer should give you a general idea of what to expect.
Common Mistakes to Avoid
Don’t choose a lawyer based solely on cost.
The cheapest option may not provide the best representation, potentially costing you more in the long run.
Avoid lawyers who make unrealistic promises.
Chapter 13 bankruptcy is complex, and outcomes can vary.
Be wary of guarantees that sound too good to be true.
Don’t withhold information from your lawyer.
Full disclosure is crucial for developing an effective strategy and avoiding complications later.
Avoid waiting too long to seek help.
Delaying can limit your options and make your financial situation worse.
Consult a bankruptcy lawyer as soon as you realize you’re struggling with debt.
Benefits of Hiring a Specialized Bankruptcy Lawyer
Filing for Chapter 13 bankruptcy can be complex and overwhelming.
Hiring a specialized bankruptcy lawyer offers several key advantages to help you navigate this process.
A skilled attorney can guide you through the intricate legal procedures involved in Chapter 13 bankruptcy.
They understand the nuances of bankruptcy law and can ensure your case is handled correctly.
Your lawyer will help you:
- Determine if Chapter 13 is the right option for your situation
- Prepare and file all necessary paperwork accurately
- Create a feasible repayment plan
- Negotiate with creditors on your behalf
- Represent you in court hearings
Bankruptcy attorneys often charge between $2,500 and $5,000 for Chapter 13 cases.
While this may seem costly, their expertise can potentially save you money in the long run by maximizing debt discharge and minimizing errors.
With a specialized lawyer, you’ll have peace of mind knowing your financial future is in capable hands.
They can protect your rights and interests throughout the bankruptcy process, increasing your chances of a successful outcome.
Frequently Asked Questions
Filing for Chapter 13 bankruptcy in Houston involves several key steps and considerations.
Finding the right attorney and understanding the costs and qualifications are crucial for a successful case.
What is the process for filing Chapter 13 bankruptcy in Houston?
To file for Chapter 13 bankruptcy in Houston, you’ll need to gather financial documents, complete credit counseling, and submit the necessary forms to the court.
Your attorney will help you develop a repayment plan.
This plan must be approved by the court before your case can proceed.
How do I find skilled Chapter 13 bankruptcy attorneys in Houston?
Look for attorneys with extensive experience in Chapter 13 cases.
The Neal Davis Law Firm has a track record of handling complex bankruptcy cases.
You can also ask for referrals from friends, family, or your local bar association.
Can I file for Chapter 13 bankruptcy in Houston with no money upfront?
Some attorneys may offer payment plans or delayed fee arrangements.
However, you’ll likely need to pay court filing fees and credit counseling costs upfront.
Discuss fee options with potential lawyers during your initial consultations.
What are the average legal fees for a Chapter 13 bankruptcy case in Texas?
Legal fees for Chapter 13 cases in Texas can vary widely depending on the complexity of your case.
Many attorneys charge a flat fee, which may range from $3,000 to $5,000.
Some fees can be included in your repayment plan.
Are there specialized bankruptcy lawyers for small businesses in Houston?
Yes, some lawyers specialize in small business bankruptcies.
The Heston Law Firm, PLLC offers expertise in both personal and business bankruptcy cases.
Consult with a specialized attorney to understand your options.
What qualifications should I look for in a bankruptcy attorney for Chapter 13 proceedings?
Look for an attorney who is licensed to practice in Texas and has significant experience with Chapter 13 cases.
Board certification in consumer bankruptcy law is a plus.
The attorney should also have good communication skills and be responsive to your questions.