Bankruptcy Lawyer in Houston Texas

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346-849-3888

Bankruptcy Lawyer in Houston, Texas

When financial hardship threatens your peace of mind, legal protection can offer the fresh start you need. At Abii & Associates, PLLC, we provide strategic bankruptcy counsel to individuals, families, and business owners in Houston, Texas, guiding you through the process with clarity and legal precision

We understand the stress that comes with overwhelming debt. Our goal is to help you assess your options, protect your assets, and move toward financial stability with confidence.

Houston Bankruptcy Law Services We Offer

Our firm handles both consumer and business bankruptcy matters, including:

  • Chapter 7 Bankruptcy (Liquidation): A powerful option to discharge most unsecured debts such as credit cards, medical bills, and personal loans. We’ll help determine your eligibility through a means test and protect your exempt assets.
  • Chapter 13 Bankruptcy (Wage Earner’s Plan): This allows individuals with regular income to restructure debt into a 3- to 5-year repayment plan. Ideal if you want to avoid foreclosure or catch up on missed payments
  • Chapter 11 Bankruptcy (For Businesses or High Net-Worth Individuals): We guide business owners through complex reorganization strategies, helping them stay operational while managing creditors and restructuring obligations.
  • Foreclosure Defense & Alternatives: If you’re facing foreclosure in Houston, we’ll explore whether bankruptcy or another legal tool like a loan modification or short sale can preserve your home or equity.
  • Debt Negotiation & Settlement: We can negotiate directly with creditors to reduce or restructure what you owe ; even outside of bankruptcy.
  • Asset Protection Strategies: We analyze your situation and structure your assets legally to protect your home, retirement accounts, or business interests during the bankruptcy process

Why Choose Abii & Associates for Bankruptcy in Houston?

  • Local Experience: We serve clients in Houston and throughout Harris County with a deep understanding of Texas exemptions and court procedures. Business-minded legal solutions from attorneys who understand investment strategy
  • Legal & Business Insight: With a background in business and finance, our attorneys
    offer advice that considers both legal outcomes and long-term financial goals.
  • No-Nonsense Strategy: We’ll walk you through your real options ; no fluff, no fear tactics. Just clear answers and sound legal support.
  • Business Bankruptcy Know-How: From small businesses to LLCs, we assist business owners in navigating Chapter 11 or dissolving responsibly.

Now serving clients at our Houston Office:
7322 Southwest Freeway Suite #1639 Houston, Texas 77074
Email: houston@abiilegal.com
Phone: 346-849-3888

Frequently Asked Questions: Bankruptcy Lawyer in Houston, Texas

Will filing for bankruptcy wipe out all my debts?
Not all debts are dischargeable. While many unsecured debts (like credit cards and medical bills) can be eliminated, others like student loans, child support, or recent taxes may not be.
Will I lose my house or car if I file bankruptcy in Texas?
Texas has generous homestead and vehicle exemptions. Depending on your situation and the type of bankruptcy, you may be able to keep your home and car.
What’s the difference between Chapter 7 and Chapter 13?
Chapter 7 involves liquidating non-exempt assets to discharge debt quickly. Chapter 13 allows you to repay debts over time. We’ll help you choose based on your goals and income.
How does bankruptcy affect my credit score?
While your score may drop initially, many clients see credit improvement within 12–18 months after filing. Bankruptcy can actually be a turning point toward financial recovery
Can I file for bankruptcy more than once?
Yes, but there are time limits between filings. We’ll assess your eligibility and whether another filing is the right move.
I’m a business owner; can I still file bankruptcy?
Absolutely. We handle Chapter 11 for business reorganization or Chapter 7 for closing down responsibly. We also provide asset protection consultations.
How long does the process take?
Chapter 7 typically takes 4–6 months. Chapter 13 involves a repayment period of 3–5 years. Our firm ensures your filing is timely, complete, and effective
Chapter 7 Bankruptcy in Texas Explained: What You Need To Know

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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