24 E. Greenway Plaza, Suite 1705

Houston, Texas 77046


Without a doubt, filing for bankruptcy protection is one of hardest things a person or business may be forced to do. Filing bankruptcy should not be done without first exhausting all other possibilities,

and only with the help of expert legal advice.

For individuals, the impetus to have to seek bankruptcy protection often involves the loss of a job, a medical condition leading to unmanageable medical bills, or divorce. Since these are already very stressful and painful experiences, bankruptcy may seem like adding on to the problems.

However, bankruptcy law is federal law, and has been in existence

in some form or another for well over one hundred years.

In many circumstances, bankruptcy offers the right tool

to gain a "fresh start" free of existing claims of creditors.





Bankruptcy notice required by federal law: Pursuant to 11 U.S.C. Section 528 (a)(4): We are a federally designated debt relief agency. We help people develop strategies for dealing with debt issues, and, where appropriate, to file for relief under the Bankruptcy Code.

Types of bankruptcy:

  • Chapter 7 - also known as "straight bankruptcy," this involves a complete discharge of all unsecured debts without making any payments on those debts. in 2005, Congress imposed a "means test" to determine whether a person qualifies for Chapter 7 relief. Exemptions allow the retention of homes and vehicles if the payments are current, or can be brought current quickly.

  • Chapter 13 - consumer reorganization, requiring the court to approve a plan calling for payments over 5 years, in most cases. This Chapter allows people to retain and continue paying on homes and cars where there is a substantial arrears, and often follows a notice of foreclosure or repossession. It is also advantageous for the payment of outstanding tax debt.

  • Chapter 11 - business reorganization, a complex matter available to business entities and individuals in business who wish to reorganize debt and retain the business going forward.

Mr. Harris also handles bankruptcy litigation,

including motions to lift the "automatic stay," complaints for denial of a total discharge or for denial of the discharge of a particular debt, and claims objections and litigation.

Lawyer William Harris | Featured Attorney Bankruptcy