Bankruptcy Lawyer in Houston, Texas
Experienced Bankruptcy Attorney in Houston, Texas Helps You Get Out of Debt
At Pack Law, P.C., we have been helping the people of Houston, Texas get out of debt since 2008. We know that the prospect of bankruptcy can be frightening. For most people, the fears they have about bankruptcy are based on misconceptions that are not true. And continuing to live with the burden of overwhelming debt and harassment from creditors is no way to live when the bankruptcy laws were created to give people a fresh start.
No one should have to live with wage or bank account garnishments, harassing phone calls, or the constant stress of trying to balance the monthly bills. You do have options. Houston bankruptcy lawyer, Martin Pack, will review your situation and guide you through the process of determining the best option for you and your family.
While bankruptcy isn’t right for everyone, in most cases it can help you get out of debt and get a fresh start without losing your home, autos, retirement savings, or self-respect.
Martin Pack is an amazing bankruptcy attorney. Not once was I ever treated like a number. Martin and his team took the time to walk me through the process from beginning to end and answer any questions I had. Martin also took the time to call me the few times I needed clarification on something and he never made me feel like I was an inconvenience. Martin Pack and his firm handled everything for me during a traumatic time in my life. I never felt scared or in this alone. I knew he and his firm would protect me and take care of anything I needed. I rarely had to make contact with his office, but when I did, the response was friendly, prompt and accurate. You cannot go wrong with this firm. Follow the instructions they give you and your life will get better. Best decision I ever made.
We were very overwhelmed when our son had a stroke, and we had to file bankruptcy for him personally and for his business. Martin Pack helped us through the complicated process. We are very satisfied with the work and his assistance.
Great firm , everyone was vey helpful and professional, explaining things making sure you understand., I highly recommend them if you need these services
It was four years ago, when I accompanied my parents into the office of Pack Law, P.C. I remembered how helpless I felt holding the door for my dad who needed a cane to get around and my mom clutching a purse that enclosed everything but money. I reflected on the times during my childhood when I begged my parents for the coolest shoes. The piano lessons that never paid off. The car I wrecked. The astronomical tuition for the college degree that I don't use. And here we were, filing for bankruptcy. My dad was a retired disabled army veteran. My mom is a Korean immigrant. They both came from poverty but by fate found each other and made life pretty comfortable for their three daughters. But raising kids and keeping them alive isn't cheap and in their golden years, they were buried in debt. I never knew how bad it was until the day my dad asked me to drive them to their chapter 13 filing. As I listened to my parents talk about their dwindled assets, I swore I fought tears that could have drowned a fish. But as their meeting ensued, I heard assuring claims and observed compassion and preservation of dignity. After filing, I noticed a change in my dad's spirit. I often overheard him making forward-looking plans to enjoy a debt-free retirement with my mom. They were so relieved to know that, soon, there wouldn't be much in their mailbox but local coupons and greeting cards from their kids - no more bills. Unfortunately, my dad passed away from Covid in August of 2021 leaving my mom to navigate the remainder of their bankruptcy case alone. But here's the point of this story. You can choose any bankruptcy attorney. Or you can choose Martin. You can gamble on a gimmicky lawyer with popular commercials. Or you can trust a humble family-oriented advocate for financial freedom. Throughout this experience, Martin was always available for questions. He was prompt in responses and thorough in explaining every step of the way. He never broke a promise and always treated my family with compassion and respect. In two months, my mom's bankruptcy case will be over and all her debts will be settled. I wish my dad was here to shake Martin's hand. Honorable people are hard to find. Thank you, Mr. Pack.
The amount of relief I feel is indescribable all thanks to the amazing work of Martin Pack and his team. He took the time to walk me through the whole process, answer my questions and guide me in the right direction. Highly recommend for anyone that is struggling and looking for a fresh start.
What a Godsend it was to find Martin Pack's law offices. My husband and I made the difficult decision to file for bankruptcy. Attorney Pack guided us along the way and answered all the questions we had in a timely manner. We truly felt like he was there to help us, not to simply collect a fee for his services. He relieved so much of the stress that financial struggles had brought to our family life. I cannot recommend him enough!
Jeanette & Martin are wonderful! They were very helpful every step of the way!
I can't say enough about Mr Martin Pack. He handled our case with a breeze. The process was simple and easy. Mr Pack was open and honest with us from the beginning and that means a lot in today's time. Ms Jennette, his assistant deserves a pat on the back as well. She takes her job serious, and always communicates well with clients.
My wife and I were amazed by Martin Pack and his expert staff. He is so smart. Very knowledgeable. He was extra compassionate about our chapter 13 case and he fought so hard to deliver quick results. This was a positive experience and it was more than we could have ever imagined for. He never stopped fighting for more money in our pockets! Even after we thought the negotiations were over, he still continued to save us more money! Whether you have bankruptcy questions, or if you’re needing an excellent bankruptcy attorney, someone who will dedicate his expertise and proper attention to you and your case, do yourself a favor and call Pack Law today and ask for Martin Pack.
My husband and I just finished our bankruptcy. (hurray!). Martin was there every step of the way. Not only is he a professional and attentive attorney, he's also very friendly, which is greatly appreciated given the difficult position we were in. We are so glad we selected Pack Law to guide us through this process.
The services that were rendered to me were stellar!!!. Everything that I had questions for were answered in grand detail and my hand was held throughout the entire process, making sure I was fully informed. Thank you Martin Pack, your services are definitely worth referring!!!!
Martin is a tremendous gentleman, professional in his expertise. Personally, I felt comfortable with him and his staff.
Absolutely amazing attorney. Very personable, explains everything in detail and reassures you he has it handled. He has been there to answer my questions even late in the evening. I am very happy that I chose Martin to represent me. He doesn't make you feel like your just another client. His staff is amazing also. You can't go wrong chosing Pac Law Firm to represent you.
I can't say enough good things about Martin and his staff. They are honest, caring and very knowledgeable. They helped me through a very difficult time in my life. I am so thankful that I went to them for a fresh financial start.
Amazing service. Martin has been wonderful for the time I worked with him.
When you have a critical or life-and-death medical diagnosis, you seek the help of a specialist in that area of concern. When you have a severe legal matter you seek out an Attorney Specialist to deal with that problem. Our specialist was the Pack Law P.C. firm. From our first introduction to the finalization and conclusion of our situation, he and his team walked us through every step of the process explaining every detail in layman's terms clearly, ensuring a thorough understanding of the process. His Hands-on Expertise, Judicial knowledge, of Mr. Pack and his team, and their ability to put clients at ease during one of Life's most stressful and difficult times are remarkable. Pack Law, P.C. is a No Nonsense, Client Driven, Reasonably Priced Law Practice that I would highly recommend, when and if his specialized skills are required.
One of the best, fast and great experience Bankruptcy Attorney any one in need of a good lawyer can have is Attorny Martin Pack. They’re are great. I thank God for what they did for me
Where to begin. Atty Martin Pack took on my bankruptcy case and helped me get through my case. He has been very detailed from start to finish. Has gone over and beyond what one might expect from an attorney. In my case I was lost, having no knowledge or experience. Thank you Mr. Pack for all that you do. And for always having my family's best interest in mind. Highly recommend and trust his Firm.
Bankruptcy is not a very pleasant situation to face in life. The unexpected death of my wife and part financial contributor of the home, I found myself struggling to make ends meet. I was also faced with the struggle to hold on to my home. My only choice was to file for bankruptcy. The stigma, the embarrassment, and the financial disruption it causes were overwhelming; however, I was able to overcome all these challenges with Pack Law, PC. Upon my first visit, Martin Pack assured me things are not as bad as it appears. He immediately took hold of the situation, and with proper and very smart legal advice from him and the paperwork that I provided (as he had requested), I was able to finally feel some relief in a very short time. Today, I can say after only three years of working his plan for me, I am now on my way of being cleared from bankruptcy. That only happened because of the great advice I received from Martin. If you're facing Bankruptcy and looking for fast, professional advice and attention to detail, you need not look any further. I can truly say he has gone the extra mile for me. Martin....thank you, thank you!!!!!
Martin Pack is excellent when it comes to bankruptcies. He explains policies and procedures in a way that you can understand. Best of all, he doesn't come across as a lawyer. He presents himself as someone who wants to help. Highly recommend!
Martin Pack is a phenomenal bankruptcy attorney! He spent hours advising me about my options and was very knowledgable about the nuances my particular case involved. Very impressed and so happy to receive my bankruptcy discharge today! Martin also happens to be the kindest, most handsome attorney I have had the pleasure of meeting. Words can't express my gratitude for him and his awesome team!!
A Google User
20:20 04 Nov 22
Martin Pack is a phenomenal bankruptcy attorney! He spent hours advising me about my options and was very knowledgable about the nuances my particular case involved. Very impressed and so happy to receive my bankruptcy discharge today! Martin also happens to be the kindest, most handsome attorney I have had the pleasure of meeting. Words can't express my gratitude for him and his awesome team!!
Martin Pack, Rhea, and all others at Pack Law Firm have done an AWESOME job handling our Chapter 13. This painstakingly ordeal at first was handle with dignity and care.From our initial consultation to our recent approval with the Bankruptcy Court, Martin and Rhea have been there so many times to answer any and all questions we had!Also, Rhea and staff made sure we were always comfortable before meetings and we had to two videoconferences that they wanted us to come in and use their electronic equipment.Finally, I hope I never have to do this again; however, I recommend Pack Law Firm to get your bankruptcy reviewed and possibly processed!Thanks everyone at Pack Law!!!
Martin is incredible and knowledgeable in his expertise. He has helped my family tremendously and is always responsive to emails or calls. If you are looking for someone to aide you in the process Martin Pack Law is the way to go. You can not go wrong. Definitely a satisfied client.
Martin is awesome! He is the fastest responding lawyer I have ever talked too. He will work all hours to help you achieve your goals and he KNOWS his stuff. I never doubt any advice or information that he gives me regarding bankruptcy laws.
Martin Pack has represented me since 2019 and his law firm is extremely professional, articulate, and always willing to help. E-mails and phone calls are always answered in a timely manner and I always feel valued. I highly recommend his services.
I highly recommend Pack Law P.C. firm for legal services.Martin and his staff supported me through my bankruptcy from start to finish 100%. The bankruptcy process went very smooth, and I obtained a ton of relief due to Martin's support through it all.
I was referred to this Firm by my best friend when I was looking into the possibility of filing for bankruptcy. Martin and his team were really great in explaining everything to help me make a well informed decision. They treated me with dignity and respect. Always responded to any inquiries I had and helped where ever they good. Highly recommend this Firm to anyone who is faced with the difficult decision of filing for bankruptcy. It's good to have some one like Pack Law on your side!
Martin Pack has been the best bankruptcy attorney for us. He always returns calls, typically even same day. As a matter of fact, even if I email, he turns around and personally calls me within the day. Talk about top notch customer service! I've been a client for almost 5 years, and never had an issue. Staff is always courteous and helpful too. If you are looking for a friendly and dependable firm for a bankruptcy case, this is the firm I would refer you to. Excellent!
My husband and I were very lucky to have found this Firm when we were searching for a bankruptcy lawyer. As hard as this process is to make the decision, Martin treated us with kindness and respect. He is super knowledgeable about the entire legal process and was there every step of the way. We fully trust him. We were very pleased with how smooth everything went. I highly recommend Martin Pack!
Click here to find out if you quality for bankruptcy or call our office at (713) 980-9014 to schedule a consultation.
Options for Bankruptcy Relief
Chapter 7 Bankruptcy
Chapter 7 bankruptcy, also known as liquidation bankruptcy, is for individuals and businesses with too much debt. This option allows you to discharge most of your unsecured debt, credit card debt, medical bills and personal loans and start fresh.
To qualify for Chapter 7 bankruptcy you must pass the means test which evaluates your income and expenses to see if you qualify. If you qualify a trustee will be appointed to sell your non-exempt assets and the proceeds will be used to pay your creditors.
At Pack Law, P.C. we will walk you through the entire process so you understand your rights and options. Our goal is to get you financial relief and back in control of your life.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy, also known as reorganization bankruptcy, is a great option for individuals with a steady income who want to keep their assets and pay their debts over time. Unlike Chapter 7, Chapter 13 allows you to create a payment plan that spans 3-5 years so you can catch up on missed mortgage or car payments and avoid foreclosure or repossession.
To qualify for Chapter 13 you must have a steady income and your secured and unsecured debt must be within certain limits. During the payment period you will make monthly payments to a trustee who will distribute the funds to your creditors according to the plan.
Our attorneys at Pack Law, P.C. will help you create a realistic payment plan and negotiate with your creditors to protect your interests. We will help you get back to financial stability and keep your assets.
Bankruptcy Benefits
Filing bankruptcy can be a lifeline for those with too much debt. Here are some of the benefits:
- Automatic Stay: As soon as you file bankruptcy an automatic stay goes into effect and all collection activity stops – phone calls, letters, lawsuits, wage garnishments and foreclosures. You get immediate relief and time to get your finances back in order.
- Debt Discharge: Bankruptcy allows you to eliminate or reduce most of your unsecured debt and start fresh. That is a huge relief and peace of mind.
- Asset Protection: Depending on the type of bankruptcy you file you may be able to protect your home, car and other assets from liquidation. Chapter 13 allows you to keep your property and pay your debt over time.
- Credit Score Improvement: While bankruptcy will initially lower your credit score it will also give you the opportunity to rebuild your credit over time. Many people find their credit score improves within a few years of filing bankruptcy.
- Financial Education: As part of the bankruptcy process you will receive mandatory credit counseling and debtor education which will help you develop better financial habits and avoid future debt problems.
At Pack Law, P.C. we will help you understand how bankruptcy can be a path to a more stable financial future.
How to File Bankruptcy in Houston
Filing bankruptcy involves several steps to make the process go smoothly. Here are some:
- Get Documents: Collect all your financial documents – bank statements, tax returns, pay stubs and information about your debt and assets. This will give us a complete picture of your situation.
- Take Credit Counseling: Before you can file bankruptcy you must take a credit counseling course from an approved agency. This course will help you evaluate your options and decide if bankruptcy is right for you.
- Meet with an Attorney: Schedule a consultation with a bankruptcy attorney at Pack Law, P.C. We will review your situation, explain your options and walk you through the process.
- File Bankruptcy Papers: Your attorney will help you fill out and file the bankruptcy papers with the court. These papers will have all your income, expenses, debt and assets.
- Creditor’s Meeting: After you file you will have to attend a creditor’s meeting where the trustee and your creditors can ask you questions about your situation. Your attorney will be with you at the meeting and will help guide you through the process.
- Debtor Education: After you file you must take a debtor education course to get your discharge. This course will give you valuable information on how to manage your finances and avoid future debt problems.
Follow these steps and Pack Law, P.C. and you’ll be ready to file bankruptcy and take control of your future.
Bankruptcy Myths
There are many myths about bankruptcy that can create unnecessary fear and confusion. Here are some myths busted:
- Myth: Bankruptcy will ruin your credit forever: While bankruptcy will lower your credit score it’s not permanent. Many people rebuild their credit within a few years of filing.
- Myth: You’ll lose everything: Bankruptcy laws have exemptions that allow you to keep your home, car and personal belongings. Chapter 13 allows you to keep your property and pay your debt over time.
- Myth: Only irresponsible people file bankruptcy: Financial problems can happen to anyone due to job loss, medical expenses, divorce or other unexpected events. Bankruptcy is a legal tool to help individuals get back in control of their finances.
- Myth: Bankruptcy will eliminate all debt: While bankruptcy will discharge most unsecured debt, some debt such as student loans, child support and certain taxes are not dischargeable.
- Myth: You can only file once: You can file bankruptcy more than once but there are time limits between filings. For example you must wait 8 years between Chapter 7 filings.
At Pack Law, P.C. we will provide you with accurate information and bust myths about bankruptcy so you can make informed decisions.
Credit After Bankruptcy
Rebuilding your credit after bankruptcy is a big part of the recovery process. Here’s how:
- Make a Budget: Create a realistic budget that prioritizes the essentials and helps you manage your money. Track your income and expenses to stay within your means.
- Pay Bills on Time: Paying your bills on time is one of the best ways to improve your credit score. Set up automatic payments or reminders so you don’t miss a payment.
- Apply for a Secured Credit Card: A secured credit card requires a deposit that’s your credit limit. Use the card responsibly, make small purchases and pay the balance in full each month to build a positive payment history.
- Check Your Credit Report: Review your credit report regularly to make sure everything is accurate and up-to-date. Dispute any errors that are hurting your credit score.
- Limit New Credit Inquiries: Don’t apply for multiple credit accounts in a short period of time, this will lower your credit score. Focus on managing your existing accounts and building a positive credit history.
- Consider a Credit Builder Loan: Some lenders offer credit builder loans to help individuals rebuild their credit. These loans are small and require regular payments that are reported to the credit bureaus.
At Pack Law, P.C. we will provide you with ongoing support and resources to help you rebuild your credit and achieve long term financial stability.
Bankruptcy FAQs in Houston
Q: Will I lose my home if I file for bankruptcy?
A: In many cases you can keep your home through bankruptcy. Chapter 13 bankruptcy allows you to catch up on missed payments and avoid foreclosure.
Q: How long will bankruptcy be on my credit report?
A: Chapter 7 bankruptcy is on your credit report for 10 years, Chapter 13 is 7 years. But you can start rebuilding credit immediately after filing.
Q: Can I discharge all my debt?
A: While
most unsecured debt can be discharged, some debt such as student loans, child support and some taxes are not dischargeable.
Q: How much does it cost to file?
A: The cost to file bankruptcy is court fees and attorney fees. At Pack Law, P.C. we offer flat fees and payment plans to make it affordable.
Q: How long does it take?
A: Timeframe varies depending on the type of bankruptcy. Chapter 7 is 4-6 months, Chapter 13 is 3-5 years.
Pack Law, P.C.
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13831 Northwest Freeway, Suite 400
Houston, TX 77040 - (713) 980-9014
Office Hours
Sunday: Closed
Monday: 9:00 AM – 6:00 PM
Tuesday: 9:00 AM – 6:00 PM
Wednesday: 9:00 AM – 6:00 PM
Thursday: 9:00 AM – 6:00 PM
Friday: 9:00 AM – 6:00 PM
Saturday: Closed