About the Houston Bankruptcy Research Team
If you are reading this, you are probably dealing with something difficult — mounting debt, calls from collectors, a foreclosure notice, or the quiet dread of not knowing what comes next. The Houston Bankruptcy Research Team exists to help you cut through the confusion before you sit down with an attorney.
We are the editorial team behind Houston Bankruptcy Resource Center, an independent legal referral service based in Houston, Texas. We are not a law firm. We do not represent clients. What we do is research bankruptcy law as it applies to people living and filing in Harris County and the surrounding area, and we turn that research into plain-language guides you can actually use.
Who We Are
Our team includes researchers, legal writers, and editorial staff who focus exclusively on consumer bankruptcy topics relevant to the Southern District of Texas. Every article on this site is written with Houston residents in mind — not a generic national audience. Bankruptcy law has important local dimensions: the exemptions available under Texas law, the filing procedures in the Southern District of Texas Bankruptcy Court, and the specific judges and trustees who handle Houston-area cases all matter. We keep that local context at the center of everything we write.
How We Research
We build our content from primary and authoritative sources. That means the United States Bankruptcy Code, Texas Property Code exemptions, Southern District of Texas local rules and standing orders, published opinions from the Houston bankruptcy courts, and guidance documents from the State Bar of Texas. When rules or procedures change, we update our content. We do not rely on secondhand summaries or outdated information, because the stakes are too high for the people reading these pages.
What We Cover
Our guides address the full range of consumer bankruptcy topics: Chapter 7 liquidation and the means test, Chapter 13 repayment plans and the automatic stay, Texas property exemptions including the homestead exemption, foreclosure defense strategies available through bankruptcy, the discharge process and what debts can and cannot be eliminated, and what life looks like after a bankruptcy filing. We also cover the practical side — credit counseling requirements, the 341 meeting of creditors, and what documents you need to gather before you file.
Editorial Disclaimer
Nothing published on this website is legal advice, and nothing here creates an attorney-client relationship. Bankruptcy law is fact-specific, and the right course of action depends on your individual financial situation. Every article on this site is intended for general informational purposes only. Before making any decisions about filing for bankruptcy, you should consult with a licensed Texas bankruptcy attorney who can evaluate your specific circumstances.
Find a Bankruptcy Attorney in Houston
Houston Bankruptcy Resource Center connects Houston-area residents with experienced, licensed bankruptcy attorneys who practice in the Southern District of Texas. If you are ready to take the next step, use our referral service to get connected with a local attorney who can review your situation and explain your options — at no cost to you for the initial consultation.
Visit houston-bankruptcylawyer.com to get started.