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Bankruptcy Law in Pearland, Texas

At Abii & Associates, PLLC, we help individuals and businesses in Pearland, Texas find clarity, protection, and a path forward through bankruptcy. If you’re overwhelmed by debt, facing foreclosure, or struggling to meet your financial obligations, you may have legal options to regain control of your finances. We’re here to help you explore them.

Although bankruptcy is governed by federal law, the bankruptcy process in Texas, including in Pearland and nearby Houston, involves local court rules and procedures. As experienced Pearland-based bankruptcy attorneys, we understand the legal, emotional, and financial complexities of filing for bankruptcy—and we guide you through it with compassion and strategy.

What We Cover in Bankruptcy Law

Chapter 7 Bankruptcy (Liquidation)
Chapter 13 Bankruptcy (Reorganization)
Chapter 11 Bankruptcy (Primarily for Businesses)
Automatic Stay Enforcement
Debt Discharge & Non-Dischargeable Debts
Pre-Bankruptcy Planning & Asset Protection
Creditor Representation & Disputes
Bankruptcy Litigation & Adversary Proceedings

Why Work with a Pearland Bankruptcy Attorney?

While bankruptcy law is federal, the local application and court procedures can be complex and vary by jurisdiction. As a Pearland-based law firm, we offer the advantage of local knowledge, Houston-area court experience, and personalized legal support. Whether you’re a resident of Pearland, a small business owner in Houston, or somewhere in between—we’re prepared to guide you every step of the way.

Let Us Help You Start Fresh

If you’re considering bankruptcy, don’t face it alone. At Abii & Associates, PLLC, we provide strategic, compassionate guidance so you can understand your options and take the next step toward financial relief.

Contact our Pearland office today to schedule a confidential consultation with a skilled bankruptcy lawyer.

Frequently Asked Questions: Bankruptcy Law in Pearland, Texas

Do I qualify for bankruptcy in Pearland, Texas?
Eligibility depends on your income, debt amount, and financial circumstances. Chapter 7 requires passing a “means test,” while Chapter 13 requires a regular income to support a repayment plan. A consultation will help determine which chapter best fits your situation.
What is the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 involves liquidating non-exempt assets to discharge unsecured debts, offering a quicker fresh start. Chapter 13 allows you to repay debts over 3–5 years while keeping your property, making it ideal for those behind on mortgage or car payments.
Will I lose everything if I file for bankruptcy?
Not necessarily. Texas offers generous exemptions that often allow individuals to keep their home, car, retirement accounts, and personal belongings. We’ll help you understand what’s protected under Texas and federal law.
How does filing for bankruptcy affect my credit?
Bankruptcy will appear on your credit report—typically for 7 years (Chapter 13) or 10 years (Chapter 7). However, many clients begin rebuilding their credit within a year by managing finances responsibly post-bankruptcy.
Can bankruptcy stop foreclosure or wage garnishment?
Yes. Filing for bankruptcy triggers an automatic stay, which immediately stops foreclosure proceedings, wage garnishment, debt collection, and lawsuits.
How long does the bankruptcy process take?
Chapter 7 cases generally take 3 to 6 months. Chapter 13 plans last 3 to 5 years. We’ll walk you through the timeline and prepare you at every stage.
Can I file bankruptcy more than once?
Yes, but there are time limits between filings depending on the type of bankruptcy you previously filed. We’ll help you assess your eligibility based on your history.
Do I need a lawyer to file for bankruptcy?
While it’s possible to file pro se, bankruptcy involves complex procedures, deadlines, and legal risks. A knowledgeable bankruptcy attorney ensures compliance and maximizes protection for your assets.
Is bankruptcy handled locally in Pearland?
Bankruptcy is filed in federal court, but local rules and requirements apply. As a Pearland-based firm, we are familiar with the procedures of the Southern District of Texas and can guide you accordingly.
How do I get started?
Contact us to schedule a private consultation. We’ll evaluate your financial situation, explain your options, and help you take the first step toward financial recovery.

At Abii & Associates, PLLC, we are committed to delivering smart, strategic, and personalized legal and business advisory services. Founded by Ezenwanyi F. Abii, Esq., MBA, our law firm offers a unique blend of legal expertise and real-world business insight to help clients navigate complex issues in business law, real estate, and contractual matters.

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