Business Details
Your Trusted Katy Bankruptcy Attorney
The Law Office of Corey L. Mills has served individuals and small businesses in Katy, Texas, and surrounding communities for nearly two decades, specializing in bankruptcy and consumer law. Our client-centered philosophy prioritizes personalized legal guidance, ensuring clients understand all available options, including bankruptcy alternatives and traditional filings. With over 19 years of experience, we provide free case evaluations and dedicate ourselves to each clients success from consultation through resolution.Our practice focuses on alleviating financial stress through solutions like Chapter 7 and Chapter 13 bankruptcy, IRS debt relief, foreclosure defense, and debt lawsuit strategies. We emphasize transparency, ethical representation, and long-term client well-being, fostering a supportive environment to address complex financial challenges.
Services
Bankruptcy Alternatives
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
IRS Debt Relief
Foreclosure Defense
Debt Lawsuit Defense
Payday Loan Help
Means Test Guidance
Bankruptcy Consultation
Tax Debt Solutions
Highlights and features
- We offer 19 years of specialized bankruptcy law experience in Katy and surrounding areas.
- Our client-centered approach prioritizes personalized guidance over case numbers.
- Free case evaluations to explore all debt relief options tailored to your situation.
- Comprehensive solutions for IRS debt, foreclosure defense, and bankruptcy alternatives.
- Dedicated representation from consultation through case resolution.
What people say
Great attitude
Extremely helpful
Professional, thorough
Saved from lawsuit
Kept updated
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy provides immediate debt relief by discharging unsecured debts like credit cards and medical bills within months. This process involves a trustee evaluating assets, though most cases are 'no-asset' filings where clients retain possessions. Eligibility requires passing a means test comparing income to state medians. Our firm guides clients through documentation, exemptions, and court requirements to ensure a smooth discharge.
Chapter 13 Bankruptcy
Chapter 13 reorganizes debts into a 3-5 year repayment plan based on income and expenses. This option stops foreclosures, allows catching up on mortgage arrears, and restructures tax debts. Payments go to a trustee who distributes funds to creditors. At plan completion, remaining unsecured debt is discharged. We help clients propose feasible plans, negotiate terms, and navigate court approvals for financial recovery.
IRS Debt Relief
IRS debt relief addresses back taxes through installment agreements, offers in compromise, or bankruptcy dischargeability. We analyze tax debt age, filing history, and financial status to determine options. Chapter 7 may discharge qualifying tax debt, while Chapter 13 restructures payments. Our expertise includes negotiating with the IRS, filing lien abatements, and ensuring compliance to reduce penalties and interest.
Foreclosure Defense
Foreclosure defense strategies include loan modifications, short sales, and deed-in-lieu agreements to avoid home loss. Bankruptcy filings trigger automatic stays, halting foreclosure proceedings. We assess equity, income, and mortgage terms to recommend solutions. For Chapter 13 filers, arrears can be paid over time while maintaining current payments, preserving home ownership opportunities.
Bankruptcy Alternatives
Bankruptcy alternatives like debt consolidation, creditor negotiations, and budget restructuring offer non-judicial relief. We evaluate income, asset protection needs, and creditor willingness to settle to determine viability. These methods avoid bankruptcys credit impact but require disciplined repayment. Our firm provides tailored advice to choose between alternatives or formal bankruptcy based on long-term financial goals.
People
Corey L. Mills
Bankruptcy Attorney
Corey L. Mills has practiced bankruptcy law since 2001, serving Katy, Texas, residents. A Howard Payne University and South Texas College of Law graduate, he focuses on consumer debt solutions, IRS issues, and foreclosure defense. Married with three children, he emphasizes client education and ethical representation.
Questions
What are the differences between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 discharges debts quickly through asset evaluation, while Chapter 13 restructures payments over 3-5 years. Eligibility and financial goals determine the best option.
Can IRS tax debt be discharged in bankruptcy?
Certain tax debts qualify for discharge under Chapter 7 or reduction through Chapter 13 plans, depending on age, filing history, and assessment timelines.
What alternatives exist to filing bankruptcy?
Options include debt consolidation, creditor negotiations, loan modifications, and offers in compromise to resolve debts without court intervention.
How does the bankruptcy means test work?
The means test compares income to state medians to determine Chapter 7 eligibility, factoring in allowable expenses and deductions.
What happens during a free bankruptcy consultation?
We review financial details, discuss goals, explain options, and create a tailored plan to address debts through bankruptcy or alternatives.
