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Best Bankruptcy Attorneys in Cypress

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Coplen & Banks, P.C. logo
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Coplen & Banks, P.C.

11111 McCracken Drive, Cypress, TX 77429
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  • Debt Settlement

Business Description

Founded in 2012, Coplen & Banks PC provides bankruptcy services to individuals and business owners in Cypress. Its lawyers advise debtors on whether they qualify to file for bankruptcy. They represent loanees during Chapter 7, 11, and 13 hearings. The attorneys also protect the rights of creditors in court. Coplen & Banks additionally practices family, personal injury, oil and gas, and real estate law. Attorney Bruce A. Coplen is a member of the State Bar of Texas and the Houston Bar Association.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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Guzman Law Firm logo
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Guzman Law Firm

11111 Katy Freeway, Houston, TX 77043
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Guzman Law Firm has offered bankruptcy services to individuals and business owners near Cypress for over 40 years. Its lawyers file Chapter 7 bankruptcy and may protect debtors' interests in garnishment, repossession, creditor harassment, liens, and foreclosures. They also assist in filing for Chapter 13 and assessing the clients' annual income levels to negotiate for appropriate repayment plans. Founder Eloise Guzman is a member of the Houston Association of Consumer Bankruptcy Attorneys.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Detail
Haynes Law, PLLC logo
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Haynes Law, PLLC

12777 Jones Road, Houston, TX 77070
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Haynes Law PLLC offers bankruptcy services to residents and businesses near Cypress. Founder Eleanor Haynes has over 30 years of experience helping clients file for Chapter 7 bankruptcy and acts as a trustee to help loanees clear their debts. She also handles Chapter 11 and 13 bankruptcy cases. The attorney can help debtors evade receipt of messages and payment notices and eliminate credit card debts. Ms. Haynes is a member of the National Bar Association.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
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Keeling Law Firm logo
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Keeling Law Firm

16225 Park Ten Place, Houston, TX 77084
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  • Debt Settlement

Business Description

Founded in 1986, Keeling Law Firm has offered legal solutions to individuals looking for bankruptcy attorneys near Cypress. The legal team helps clients avoid repossession of their motor vehicles, foreclosures of homes, apartment evictions, and garnishments of salaries and bank accounts. Keeling Law Firm works on Chapter 13 bankruptcy cases, helping loanees to restructure their loan repayment schedules. Attorney Ken Keeling is a member of the State Bar of Texas.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.8
Google
4.7 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Detail
Law Office of Corey L. Mills logo
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Law Office of Corey L. Mills

21815 Oak Park Trails Drive, Katy, TX 77450
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

For over 19 years, Law Office of Corey L. Mills has delivered bankruptcy services near Cypress. Founder Corey L. Mills uses the "Means Test" to establish whether clients are eligible to file for Chapter 7 bankruptcy and helps them obtain asset discharge prevention. The lawyer also files for Chapter 13 cases and defends loanees facing debt lawsuits. Law Office of Corey L. Mills works on IRS debt issues and sues creditors who violate the Fair Debt Collection Practices Act.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.4 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
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Detail
––
Law Office of Patrick T. Williams logo
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Law Office of Patrick T. Williams

4422 Farm to Market 1960 Road West, Houston, TX 77068
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  • Debt Settlement

Business Description

For over 20 years, Patrick Williams, at the Law Office of Patrick T. Williams, has provided legal services to families and businesses near Cypress. He evaluates whether clients are eligible to file for bankruptcy and handles Chapter 7 bankruptcy cases, helping loanees evade some loans, including medical bills, IRS taxes, bank account overdrafts, credit card debt, and bad car loans. The lawyer also handles Chapter 13 bankruptcy matters. Mr. Williams is a member of the National Association of Consumer Bankruptcy Attorneys.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Marilyn D. McGuire, P.C. logo
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Marilyn D. McGuire, P.C.

11119 McCracken Circle, Cypress, TX 77429
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  • Debt Settlement

Business Description

Marilyn D. McGuire PC helps financially troubled individuals in Cypress and the surrounding areas. Although the practice's main focus is on family law, clients can consult McGuire regarding bankruptcy matters. She takes a highly individualized approach to every case and helps to stop or prevent foreclosures, garnishments, repossessions, lawsuits, and other collection efforts. Attorney McGuire is skilled in litigation, as well as in alternative dispute resolution methods, such as mediation.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Oxner Legha Attorneys at Law logo
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Oxner Legha Attorneys at Law

12300 Dundee Court, Cypress, TX 77429
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  • Debt Settlement

Business Description

Oxner Legha Attorneys at Law offers counsel and representation to Cypress residents who struggle with debt problems. The attorneys are especially passionate about debt defense, building a case strategy that stops the debt collection harassment. The firm helps clients navigate the complex bankruptcy process and suggests alternative solutions if bankruptcy is not the best choice. It protects clients' assets in litigation, settles medical debts, negotiates credit card debts, and helps to clean up clients' credit records.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (100)
Facebook
5.0 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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The Fleming-Bruce Law Firm, P.L.L.C logo
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The Fleming-Bruce Law Firm, P.L.L.C

12777 Jones Road, Houston, TX 77070
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Fleming-Bruce Law Firm PLLC provides legal services to residents of the Cypress area who have encountered severe debt problems. It represents clients in bankruptcy court in Chapter 7 bankruptcy liquidations and Chapter 13 bankruptcy proceedings. Solo practitioner La Shon Y. Fleming-Bruce delivers prompt results, putting an end to harassing collection actions. In addition, the firm handles personal injury, criminal defense, corporate law, estate planning, probate law, and family law cases.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
3.4 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
Troup & Bruce logo
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Troup & Bruce

211 Florence Street, Tomball, TX 77375
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  • Debt Settlement

Business Description

Troup & Bruce has more than two decades of experience representing residents of the Cypress area who find themselves in the midst of a financial crisis. The firm helps clients file for relief under the U.S. Bankruptcy Code. With its assistance, clients can obtain forgiveness and reorganization on the majority of their debts and stop foreclosures, garnishments, levies, and even threats of evictions. The firm's other areas of practice include family law, business law, and real estate law.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Willingham & Clark PLLC logo
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Willingham & Clark PLLC

1400 Broadfield Boulevard, Houston, TX 77084
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement
  • IRS Tax Debt

Business Description

Willingham & Clark PLLC offers legal counsel to clients in the Cypress area who struggle with their financial situation. The attorneys have more than 15 years of experience in bankruptcy law. They analyze each client's unique circumstances to decide whether to file for bankruptcy under Chapter 7 or Chapter 13. With the firm's assistance, clients can get rid of unsecured debt and halt creditor harassment. An initial 30-minute consultation is free of charge.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

What does a bankruptcy attorney do?

Bankruptcy attorneys help clients understand whether they qualify for bankruptcy and what their best options are. They also prepare and file petitions, answer questions during the proceedings, and educate clients about potential best steps for a positive bankruptcy outcome. Bankruptcy attorneys might also file motions or paperwork if creditors dispute the bankruptcy, or to stop creditors from taking collections actions forbidden by the bankruptcy.

What happens when you file bankruptcy?

Bankruptcy is a formal process that individuals, married couples, or businesses can enact when they are no longer able to pay creditors. In a bankruptcy proceeding, filers are allowed to reduce debt to more manageable levels to best pay off money owed.

Once the bankruptcy process is initiated, debt collectors can no longer seek repayments outside of the arrangements detailed in the bankruptcy settlement. Some forms of bankruptcy result in the liquidation of assets to pay back debts, while others allow filers to retain most of their possessions and investments. Many types of unsecured debt can be managed with bankruptcy filings, but not all.

Can you file bankruptcy on student loans?

Under most circumstances, student loans aren't dischargeable and aren't included in bankruptcy proceedings. In rare cases, it may be possible to eliminate student loans through bankruptcy, but only if the courts determine that continuing to pay the loans would impose an undue hardship. Meeting the criteria for undue hardship is challenging, and most bankruptcy filers don't qualify.

What is bankruptcy fraud?

Bankruptcy fraud is a blanket term that refers to any kind of dishonest bankruptcy proceeding, which can include:

  • Hiding assets by transferring them to another person or entity
  • Intentionally omitting assets when reporting to the court
  • Destroying or withholding required documents
  • Knowingly making false statements to bankruptcy trustees or creditors

How long is bankruptcy on public record?

How long bankruptcy stays on public record depends on the kind of bankruptcy filing in question. Chapter 7 bankruptcy remains on the record for 10 years as there isn't necessarily a repayment component. Chapter 13 bankruptcy remains on the record for seven years as some obligations are repaid following filing based on the terms of a discharge settlement.

Does bankruptcy clear tax debt?

Bankruptcy can clear tax debt, depending on the circumstances. Taxes are dischargeable under Chapter 7 bankruptcy, not Chapter 13, and only if the tax debt is:

  • Federal income tax debt related to current properly filed tax returns
  • Honestly incurred with no fraud or evasion
  • At least three years old
  • Assessed at least 240 days before bankruptcy filings

Existing liens are not eliminated with bankruptcy.


Can they take my car in Chapter 7 bankruptcy?

In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.

How bad is it to file bankruptcy twice?

Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn't recommended. Filing multiple times puts a serious burden on one's credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.

Note that filing for bankruptcy isn't something that can be done at a filer's leisure. There are time limits following bankruptcy cases that dictate when it's permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.

Can anyone file bankruptcy?

Anyone can file bankruptcy, but there are limitations regarding which form of bankruptcy is permissible. Qualifying for Chapter 7 requires a means test that evaluates income, debt levels, and income left over each month after paying basic obligations. Income over the median set by the court and monthly income that allows meaningful payments toward unsecured debt can disqualify filers from Chapter 7, which is generally the preferred form of bankruptcy due to the possibility of a full discharge. Anyone can file Chapter 13 bankruptcy, but the terms are less favorable. In most cases, some debts must be repaid following a successful filing. Chapter 13 is also more likely to result in asset forfeiture.

How will bankruptcy affect my credit score?

Bankruptcies are noted on credit reports. How much a bankruptcy might drop a person's credit score depends on how high the score was to begin with, but generally speaking, the hit can be as much as 100 to 200 points. Often scores are already dropping because people filing for bankruptcy may have already missed payments on debts. Chapter 13 bankruptcies are listed on credit reports for seven years from the filing date, while Chapter 7 bankruptcies are listed for 10 years from the filing date. This is because Chapter 13 bankruptcies require at least partial payment of debts owed.

What are the benefits of filing for bankruptcy?

Filing a bankruptcy petition causes an automatic stay. This legally stops creditors from taking further action to collect debt, including garnishing wages or foreclosing on property. Going through a bankruptcy successfully means that debts included in the bankruptcy are discharged and don't have to be paid back, except as provided in a Chapter 13 repayment plan. Bankruptcy can help someone recover from financial duress so they can make better decisions and improve financial situations in the future. Disadvantages can include temporary lower credit scores and limitations on spending and financing.

What's the difference between debt settlement and bankruptcy?

Debt settlement occurs when people negotiate with individual creditors. The creditor agrees to take a payment that's lower than what someone owes and call the debt “paid in full.” Bankruptcy is a legal process that causes debts to be dismissed after someone proves they don't currently have the means to pay their debts as owed. Typically, someone can't enter into bankruptcy and also settle some debts, because the court would see that as favoring one creditor over another.

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