Houston Bankruptcy Lawyer
Take control of your financial future by learning to stop creditor harassment, protect your home, and rebuild your finances. Use proven strategies to safeguard your assets, regain stability, and transform stress into lasting security.
Take the First Step Toward a Fresh Start
If you’re overwhelmed by debt, facing foreclosure, struggling with medical bills, or feeling the pressure of wage garnishments — you are not alone. Thousands of Texans turn to bankruptcy every year for a fresh start. Our Houston bankruptcy lawyers, at Pratt and Thomas, provide compassionate guidance, crystal-clear explanations, and dedicated representation in the Southern District of Texas.
We don’t just file forms — we help you understand your rights and protect what matters most. Your fresh financial start begins now.
How Bankruptcy Can Help You
Filing bankruptcy may allow you to:
- Stop creditor calls immediately through the Automatic Stay
- Halt foreclosure proceedings
- Prevent vehicle repossession
- Stop wage garnishments
- Eliminate most unsecured debts
- Establish a structured repayment plan if needed
- Reset your financial position under court protection
Bankruptcy Options in Texas — Which Is Right for You?
At Pratt and Thomas, we help Houstonians navigate bankruptcy to protect what matters most and start fresh.
Chapter 7 Bankruptcy — Get a Fresh Start Fast
Texas exemptions often allow you to keep your home, vehicle, retirement accounts, and personal property — even through bankruptcy. You could complete a Chapter 7 case in a few months, stop creditor calls, and start rebuilding your credit sooner. Chapter 7 can eliminate qualifying unsecured debts such as:
- Credit card debt
- Medical bills
- Personal loans
- Certain judgments
- Utility arrears
Chapter 13 Bankruptcy — Stop Foreclosure & Set Up a Repayment Plan
If you’re behind on mortgage payments, facing repossession, or have income above the Chapter 7 limits, Chapter 13 might be the better solution. It allows you to reorganize your debts while keeping your home and essential assets. Under a 3–5-year repayment plan, you can:
- Keep your home
- Catch up on overdue payments
- Manage car loans
- Protect co-signers
Our Bankruptcy Process
Is Bankruptcy Right for Me?
Bankruptcy may be worth considering if your total debt has grown beyond your realistic ability to repay it. Many individuals explore this option when they are facing foreclosure, dealing with vehicle repossession, or responding to creditor lawsuits. It can also be appropriate if wage garnishments are significantly reducing your income or if you are relying on credit cards to cover basic living expenses.
The best way to determine whether bankruptcy is the right solution is through a detailed review of your financial situation, including income, assets, and outstanding obligations. Pratt and Thomas offer confidential consultation to evaluate your options and recommend the most appropriate course of action.
What Happens When You File
After your bankruptcy petition is submitted:
- An automatic stay immediately goes into effect
- Creditors must stop collection efforts
- Foreclosure and repossession actions are paused
- You attend a 341 meeting with a trustee
- The court issues a discharge or confirms your repayment plan
Why People Choose Our Houston Bankruptcy Lawyers
Here’s why clients trust Pratt and Thomas to guide them every step of the way:
- Deep Local Expertise
We know the U.S. Bankruptcy Court for the Southern District of Texas inside and out.
Compassionate Guidance
No judgment, just real solutions tailored to your situation.
Clear Options Breakdown
We explain Chapter 7 and 13 in plain language before you file.
Personalized Strategy
Plans built around your goals and financial realities.
Fast Action
Stop collection calls and creditor harassment quickly.
Transparent Fees
Flat-rate pricing with flexible payment options.
Submit the form below to schedule an appointment. Our team will respond as quickly as possible.
Real People. Real Results.
I thought bankruptcy meant loss — but this team protected my home and stopped harassment fast. They explained everything clearly and answered every question.
FAQs
Do I Qualify for Bankruptcy?
Eligibility depends on income, household size, and expenses under the means test. We evaluate this with no pressure.
Will I Lose My House or Car?
Often, no — thanks to Texas exemptions and personalized planning.
How Much Will It Cost?
Most Houston bankruptcy filings involve a flat attorney fee plus court costs. Typical ranges in Texas for Chapter 7 fall between approximately $1,000–$2,500+, depending on complexity and assets.
Will the Calls Stop Immediately?
Yes — once your petition is filed, the automatic stay stops most creditor contact.
Ready For Relief? Let’s Talk.
Debt doesn’t wait — and neither should you. Call (281) 594-7115 or fill out our contact form for a no-obligation, judgment-free evaluation of your debt relief options. Case Evaluation - We’ll explain bankruptcy in plain language, explore alternatives, and help you choose the right strategy without pressure.