Business Details
Houston Bankruptcy & Debt Relief Solutions
Baker & Associates is a trusted legal firm specializing in bankruptcy and debt relief solutions for individuals and businesses. With over 50 years of combined experience in bankruptcy law, our team includes board-certified attorneys recognized for excellence by the Texas Board of Legal Specialization and the American Board of Certification. We prioritize client well-being, offering personalized strategies to address financial challenges such as credit card debt, foreclosure, and vehicle repossession. Our commitment to ethical practice is underscored by our AV Preeminent Rating from Martindale-Hubbell and a track record of successfully navigating complex cases.We serve clients in Greater Houston, Bryan/College Station, and the Rio Grande Valley, providing free consultations and multilingual support. Our 720 Credit Score program helps clients rebuild credit post-bankruptcy, while our advocacy against creditor abuse ensures client rights are protected. With seven convenient locations, we deliver compassionate, professional legal services rooted in decades of expertise.
Services
Bankruptcy
Credit Card Debt
Debt Problems
Foreclosure
Vehicle Repossession
Highlights and features
- 720 Credit Score program for post-bankruptcy credit rebuilding
- Board-certified attorneys in consumer and business bankruptcy law
- Proven results in over 5,000 bankruptcy cases since 2000
- Multilingual support for Spanish-speaking clients
- Free initial consultations with debt relief specialists
Associations and certifications
- Texas Board of Legal Specialization
- American Board of Certification
- Martindale-Hubbell
What people say
Exceptional assistance
Professional and kind
Helped save my home
Patient and understanding
Highly recommend
Services
Bankruptcy
Baker & Associates specializes in Chapter 7, 11, and 13 bankruptcies for individuals and businesses. Our board-certified attorneys help clients eliminate unmanageable debt, stop creditor harassment, and protect assets. With over 5,000 cases handled since 2000, we provide strategic solutions tailored to personal and business financial challenges.
Credit Card Debt
We resolve credit card debt through bankruptcy options or alternative strategies like negotiation and consolidation. Our team addresses cases involving job loss, medical emergencies, or other financial hardships, ensuring clients understand all available pathways to debt freedom.
Foreclosure Prevention
Our Home Sweet Home program prevents foreclosure through bankruptcy filings, loan modifications, and forbearance agreements. Weve saved hundreds of families from losing their homes by leveraging federal and Texas bankruptcy laws to create viable repayment plans.
Vehicle Repossession
Stop vehicle repossession with Chapter 13 bankruptcy solutions that allow clients to retain transportation assets. We help recover recently repossessed vehicles and establish repayment plans to bring payments current, ensuring clients maintain essential mobility.
Credit Rebuilding
The free 720 Credit Score program assists clients in rebuilding credit post-bankruptcy. Through proven methods, we teach clients to remove derogatory marks, understand credit factors, and establish responsible credit habits, achieving scores above 720 within two years of discharge.
People
Reese W. Baker
Partner
Board-certified in consumer and business bankruptcy law with over 35 years of experience. Recognized as a Texas Super Lawyer since 2007, he has authored bankruptcy law updates since 1998 and practices in federal courts nationwide.
Sonya Kapp
Associate Attorney
Specializes in consumer bankruptcy since 1997, admitted to Texas federal courts. Former Chapter 13 Trustee attorney with expertise in managing complex cases and guiding clients through bankruptcy proceedings.
Nikie Marie Lpez-Pagn
Associate Attorney
Board-certified in consumer bankruptcy law, fluent in Spanish, with experience in immigration and family law. Admitted in Texas and Puerto Rico courts, focusing on bilingual client support and complex debt relief strategies.
Questions
What bankruptcy options are available for individuals?
Chapter 7 eliminates debts quickly through asset liquidation, while Chapter 13 allows debt restructuring through payment plans. Our attorneys help determine the best option based on income, expenses, and financial goals.
How can bankruptcy stop foreclosure on my home?
Filing bankruptcy triggers an automatic stay, halting foreclosure proceedings. Chapter 13 enables repayment of missed mortgage payments over time, while Chapter 7 provides temporary relief to explore alternatives.
Do you offer credit rebuilding services after bankruptcy?
Yes, our free 720 Credit Score program teaches strategies to achieve a 720+ credit score within 12-24 months post-discharge, focusing on responsible credit use and dispute resolution.
What debt relief alternatives exist besides bankruptcy?
We explore debt consolidation, settlement negotiations, and loan modifications. Our team evaluates your situation to recommend the most effective solution before pursuing bankruptcy.
Are your services available in Spanish?
Yes, we provide Spanish-speaking support through bilingual staff to ensure all clients receive clear, accessible legal guidance.
How do I schedule a free consultation?
Contact us at (713) 979-2279 or visit our Houston, Bryan/College Station, or McAllen offices to discuss your financial situation with a board-certified bankruptcy attorney.
