Bankruptcy Attorney Houston services from Love & Law, Law Firm, help people who feel trapped by debt, calls, lawsuits, or the fear of losing their home.
If bills are piling up and you do not know what to do next, we can help you look at your legal options.
I know this is not just about money. It is about stress, sleep, family, and your future.
Our goal is to give you a clear plan and help you take the next right step.
A man in Spring Branch gets served with a lawsuit over old credit card debt. A family near Alief falls behind on house payments after a job loss. A small business owner in Midtown has vendors, rent, and tax bills stacking up.
These are the kinds of problems we help with every day.
You may need a bankruptcy lawyer if:
Bankruptcy attorney Valerie Willis brings a rare background to each case. She is a lawyer and a former registered nurse. That means she knows how to listen, stay calm, and help people during hard moments.
We help you review the facts, your income, your debts, and your goals. Then we explain which path may be best for your case.
If your home is in foreclosure, time matters. A bankruptcy filing may help stop the sale and give you room to act.
This can help homeowners who are behind on their mortgage payments.
We can review:
The sooner you call, the more options you may have.
Chapter 7 helps erase many unsecured debts. This can include credit cards, medical bills, personal loans, and some old balances.
It is often called a fresh start case.
You are a good fit if:
Houston residents turn to a trusted bankruptcy attorney to determine whether Chapter 7 is the right fit before moving forward.
Chapter 11 is often used by businesses and people with larger debt issues. It can help you reorganize debt while the business keeps running.
Chapter 11 helps with:
We help business owners understand the cost, risk, and timing before making a move.
Chapter 13 can help you set up a payment plan. It may help you catch up on a mortgage, car note, taxes, or other debt.
This can be helpful if you have a steady income but need time.
What it does:
We can help you see what a plan may look like before you file.
Debt relief can mean different things. For some, it means bankruptcy. For others, it may mean a payment plan or settlement.
We look at the full picture first. We do not push one path before we review your case.
Debt relief may help with:
The goal is simple. We help you find a legal way to move forward.
Debt settlement may help when bankruptcy is not the right fit. It can allow you to resolve some debts for less than the full balance.
But debt settlement is not always safe. Some creditors may still sue. Some settlements may affect taxes or credit.
We help you ask smart questions before you agree to anything.
Houston has many small business owners, contractors, medical groups, shops, and service companies. When debt hurts the business, you need clear advice fast.
We help with business and commercial bankruptcy matters tied to:
A Houston bankruptcy lawyer helps business owners understand both the legal side and the real-world pressures of running a company.
Sometimes you cannot wait. You may have a foreclosure sale, repossession, wage garnishment, or lawsuit deadline coming fast.
Emergency bankruptcy may help stop certain actions through the automatic stay.
This gives you breathing room when:
Call as soon as you see the warning signs. Waiting can limit your options.
You may qualify for bankruptcy based on your income, debt, assets, and the type of case you need. Chapters 7, 11, and 13 each have different rules.
We help you review:
You do not need to know the answers before you call. Bring what you have. We will help sort it out.
The process starts with a private talk. We listen first. Then we explain your options in plain words.
Here is the usual path:
Clear updates matter. You should not feel lost after hiring a lawyer.
Attorney Valerie Willis leads Love & Law, Law Firm. She is a Houston-based lawyer with a strong background in bankruptcy and probate law. She also has a nursing background, which shapes the way she works with people.
That matters when you are stressed.
Valerie brings calm, care, and strong legal focus to each case. Our firm gives clients small-firm attention with great legal skill.
Clients choose us because:
Our team brings more than 35 years of experience in bankruptcy law, personal injury claims, and estate planning. We use that experience to help protect your rights and your future.
If you live in Houston, your case is filed with the U.S. Bankruptcy Court for the Southern District of Texas, Houston Division. The court sits at the Bob Casey United States Courthouse, 515 Rusk Street, in downtown Houston. We handle the filing and paperwork for you, so you do not have to navigate the court system on your own.
Most people are able to keep their home and car. Texas has some of the strongest homestead protections in the country, which can shield your primary home in many cases. We check which Texas exemptions apply to you before you file, so you know what is protected from the start.
There are two costs: the court’s filing fee and your attorney’s fee. The court charges a few hundred dollars to file, and the type of case sets that amount. We go over the full cost with you up front in your free consultation, so there are no surprises.
It depends on the type of case. A Chapter 7 case often finishes in about three to four months. A Chapter 13 case runs longer because you pay back debt on a plan that lasts three to five years. We provide a clear timeline once we know which path best fits your case.
Yes, in most cases. The moment your case is filed, a court order called the automatic stay takes effect. It stops most creditor calls, wage garnishment, and collection lawsuits right away. This gives you room to breathe while we work on your case.
You do not have to face debt pressure alone.
Call our Bankruptcy Attorney in Houston, TX, today at 832-915-0607 to speak with our team.
We can review your situation, explain your options, and help you decide what to do next.
