Business Details
26 Years
experience
Houston Bankruptcy Attorneys for Debt Relief
Baker & Associates has provided expert legal guidance in bankruptcy and debt relief for over two decades. Our team of board-certified attorneys brings decades of combined experience to individuals and businesses facing financial challenges. We specialize in Chapter 7, Chapter 11, and Chapter 13 bankruptcies, credit card debt resolution, foreclosure prevention, and vehicle repossession protection. Our firm distinguishes itself through innovative solutions like the 720 Credit Score Program, which helps clients rebuild credit post-bankruptcy.We actively litigate against creditor abuse and have secured favorable outcomes in thousands of cases since 2000. With multiple Texas locations and Spanish-speaking support, we combine personalized service with proven legal expertise to deliver fresh starts for our clients.
Services
Bankruptcy
Credit Card Debt
Foreclosure Prevention
Vehicle Repossession
Business Bankruptcy
Debt Consolidation
Creditor Harassment
Loan Modifications
Credit Rebuilding
Free Consultations
Details
- Year established: 2000
Highlights and features
- We offer the 720 Credit Score Program for post-bankruptcy credit rebuilding
- We actively litigate against creditors violating automatic stay orders
- Our team includes board-certified specialists in consumer and business bankruptcy
- We provide free initial consultations with no-obligation debt assessments
- We maintain an AV Preeminent rating for legal excellence and ethical standards
Associations and certifications
- Texas Board of Legal Specialization
- American Board of Certification
- Martindale-Hubbell AV Preeminent
What people say
Professionalism
Quality service
Responsive team
Compassionate approach
Excellent results
Services
Bankruptcy
Our bankruptcy services help individuals and businesses eliminate or restructure debts through Chapter 7, 11, and 13 filings. We guide clients through asset protection, discharge processes, and post-bankruptcy credit rebuilding. With over 5,000 cases handled since 2000, our board-certified attorneys develop tailored solutions for medical debt, credit card obligations, and business financial crises.
Credit Card Debt
We assist clients in resolving credit card debt through bankruptcy exemptions, repayment plans, or alternative debt management strategies. Our team negotiates with creditors to reduce balances, stop collection actions, and prevent lawsuits. We specialize in cases involving job loss, medical emergencies, and other financial hardships affecting debt repayment capacity.
Foreclosure Prevention
Our Home Sweet Home program uses bankruptcy filings and loan modifications to stop foreclosures. We help clients catch up on mortgage payments through Chapter 13 plans and negotiate with lenders to modify loan terms. With extensive experience in Texas bankruptcy courts, we've saved hundreds of homes from foreclosure since 2000.
Vehicle Repossession
We help clients retain vehicles through Chapter 13 bankruptcy filings that reinstate car payments. For recently repossessed vehicles, we act quickly to recover assets within the 10-day legal window. Our attorneys work with clients to create feasible repayment plans while maintaining necessary transportation for employment and family needs.
Business Bankruptcy
Our board-certified business bankruptcy specialists help companies restructure debts through Chapter 11 filings. We develop payment plans that allow continued operations while protecting assets from liquidation. With experience in complex corporate reorganizations since the 1980s, we help businesses navigate financial distress while maintaining employee relationships and operational continuity.
People
Reese W. Baker
Partner
Board-certified in business bankruptcy by Texas Board of Legal Specialization and consumer bankruptcy by American Board of Certification. Practicing since 1984 with over 5,000 bankruptcy cases filed. Recognized as Texas Super Lawyer 2007-2023 and Martindale-Hubbell AV Preeminent rated attorney.
Sonya Kapp
Attorney
Consumer bankruptcy specialist with 30+ years experience. Admitted to Texas Bar since 1990 and former Chapter 13 Trustee attorney. Graduated University of Texas (BA 1987) and University of Houston Law Center (JD 1990). Focuses on helping clients through financial crises with personalized legal solutions.
Nikie Marie Lopez-Pagan
Attorney
Board-certified consumer bankruptcy specialist by Texas Board of Legal Specialization. Admitted in Texas and Puerto Rico with experience in immigration, family law, and bankruptcy. Graduated University of Puerto Rico (BA 2003, JD 2006) and provides bilingual legal services to Spanish-speaking clients.
Questions
What bankruptcy chapter should I file?
Chapter 7 eliminates debts quickly for those with limited income. Chapter 13 restructures payments over 3-5 years. Chapter 11 helps businesses reorganize. Our board-certified attorneys help determine the best option based on your financial situation.
How does bankruptcy affect my credit?
While bankruptcy initially impacts credit scores, our 720 Credit Score Program helps clients rebuild to 720+ scores within 12-24 months post-discharge through strategic credit management techniques and financial education.
Can bankruptcy stop foreclosure?
Yes, filing for bankruptcy triggers an automatic stay that immediately halts foreclosure proceedings. Chapter 13 allows you to catch up on mortgage payments over time while keeping your home.
What if my car was repossessed?
If repossessed within 10 days, bankruptcy can recover your vehicle. We'll help you establish a payment plan to reinstate the loan while maintaining current obligations through Chapter 13 proceedings.
Do you offer free consultations?
Yes, we provide no-obligation free consultations to assess your financial situation and discuss all available options, including bankruptcy alternatives like debt consolidation or creditor negotiations.
Are your attorneys board-certified?
Yes, Reese Baker holds dual board certification in consumer and business bankruptcy from Texas Board of Legal Specialization and American Board of Certification, achieving the highest legal ability rating from Martindale-Hubbell.
