Business Details
Your Trusted Bankruptcy and Debt Relief Solution in Houston
Baker & Associates is a distinguished law firm with over five decades of combined experience in bankruptcy law. Our team, led by Board-Certified attorneys like Reese W. Baker, specializes in both consumer and business bankruptcy, offering tailored solutions to individuals and businesses facing financial distress. We prioritize client well-being, providing services such as credit rebuilding through our proprietary 720 Credit Score program and fighting creditor abuse.With a legacy of excellence since the mid-1980s, we have filed over 5,000 bankruptcy cases, emphasizing personalized care and legal expertise. Our commitment to ethical standards and client advocacy has earned us an AV Preeminent Rating from Martindale-Hubbell. We operate across Southeast Texas, serving Greater Houston, Bryan/College Station, and The Rio Grande Valley with compassion and professionalism.
Services
Bankruptcy
Credit Card Debt
Debt Problems
Foreclosure Prevention
Vehicle Repossession
Highlights and features
- We offer a proprietary 720 Credit Score program for post-bankruptcy credit rebuilding.
- Our attorneys are Board-Certified in both consumer and business bankruptcy law.
- We actively sue creditors for violations of automatic stay or fair debt collection laws.
- Multiple convenient locations across Southeast Texas, including Houston and McAllen.
- Free no-obligation consultations with experienced bankruptcy attorneys.
Associations and certifications
- Texas Board of Legal Specialization
- American Board of Certification
- Martindale-Hubbell AV Preeminent Rating
What people say
Professionalism, Quality
Excellent service
Highly recommend
Knowledgeable staff
Compassionate advocacy
Services
Bankruptcy
Our bankruptcy services help individuals and businesses eliminate or restructure debts through Chapter 7, Chapter 13, and business bankruptcy filings. With Board-Certified attorneys, we provide strategic legal guidance to achieve financial recovery while protecting client assets. Our team has handled over 5,000 cases since 2000.
Credit Card Debt
We assist clients in resolving overwhelming credit card debt through negotiation, consolidation, or bankruptcy options. Our approach addresses job loss, medical emergencies, or other life events causing payment defaults, aiming to reduce liabilities while preserving client creditworthiness through tailored strategies.
Foreclosure Prevention
Our Home Sweet Home program uses bankruptcy filings to halt home foreclosures and protect real estate assets. With expertise in Texas bankruptcy law, we help clients retain ownership by restructuring mortgage arrears or negotiating with lenders to modify loan terms for long-term affordability.
Vehicle Repossession
We help clients recover repossessed vehicles through emergency bankruptcy filings within 10 days of repossession. Our Texas-focused legal strategies also address car loan arrears, preventing future repossession by restructuring payment plans under bankruptcy protection.
Credit Rebuilding
The 720 Credit Score program educates clients on rebuilding post-bankruptcy credit through proven methods. We provide actionable steps to achieve a 720+ score within months, emphasizing responsible credit usage and monitoring to restore financial reputation and access to favorable lending terms.
People
Reese W. Baker
Partner
Board-Certified in consumer and business bankruptcy by Texas Board of Legal Specialization and American Board of Certification. Practicing since mid-1980s, with 5,000+ bankruptcy cases filed. Recognized as Texas Super Lawyer and Martindale-Hubbell AV Preeminent-rated attorney.
Sonya Kapp
Associate
Specializes in consumer bankruptcy cases since 1997. Admitted to Texas Bar and U.S. District Courts. Former managing attorney for Houston and Wichita Falls locations of Swindell & Associates. Focuses on client education and compassionate legal representation.
Nikie Marie Lpez-Pagn
Associate
Board-Certified in consumer bankruptcy law by Texas Board of Legal Specialization. Fluent in Spanish, with experience in immigration and family law. Former attorney at Almeida & Dvila, P.S.C. in Puerto Rico, focusing on complex bankruptcy cases and client advocacy.
Questions
What types of bankruptcy do you handle?
We handle Chapter 7 (liquidation), Chapter 13 (repayment plans), and business bankruptcy cases, tailoring solutions to individual and corporate financial situations.
Can bankruptcy stop foreclosure?
Yes, filing bankruptcy triggers an automatic stay that immediately halts foreclosure proceedings, allowing time to restructure mortgage debt or negotiate loan modifications.
How does credit rebuilding work after bankruptcy?
Our 720 Credit Score program teaches responsible credit usage, monitoring, and strategic debt management to rebuild credit scores to 720+ within months post-bankruptcy.
What debt relief alternatives exist besides bankruptcy?
Options include debt consolidation, creditor negotiations, and repayment plans. We evaluate each case to determine if alternatives better suit your financial goals than bankruptcy.
Do you offer free consultations?
Yes, we provide free no-obligation consultations to assess your financial situation and discuss potential solutions, including bankruptcy and alternative debt relief strategies.
Can you help with vehicle repossession issues?
Filing bankruptcy within 10 days of repossession can recover your vehicle. We also help restructure auto loans to prevent future repossession under Texas bankruptcy protections.
