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Reaffirmation Agreements Create a path to financial freedom

Reaffirmation Agreements in Houston

Reaffirm Your Debt to Stay Out of Bankruptcy

Reaffirming your debt means you will continue to pay your debt to the creditor. However, under Texas law, you have the right to negotiate the terms of your reaffirmation agreement and seek legal representation to protect your rights.

At the Guzman Law Firm, we can help you:

  • File for bankruptcy
  • Stop creditor harassment
  • Stop wage garnishments
  • Protect your home from foreclosure
  • Stop auto repossession
  • Stop student loan debt collection
  • Other debt relief options

Under the Texas Debt Reorganization Law, you have the right to reaffirm your debt. However, it is important to know that reaffirming your debt can put you at risk of having to file for bankruptcy. To protect yourself from this, you should seek the legal guidance of a bankruptcy attorney.

At the Guzman Law Firm, we can help you evaluate your options and decide if reaffirming your debt is the best course of action. With our help, you can avoid bankruptcy and keep your assets.


Let us help you reaffirm your debt. Call (713) 338-9009 or contact us online to schedule a Free Consultation with a lawyer at our Houston bankruptcy firm.


How Do I Reaffirm a Debt?

To reaffirm a debt, you must sign a reaffirmation agreement with your creditor. This agreement will state the terms of your reaffirmation and the consequences of reaffirming your debt.

The consequences of reaffirming your debt can be serious, so it is important to consult with an experienced bankruptcy attorney before signing a reaffirmation agreement.

Some of the consequences of reaffirming your debt include:

  • If you fail to make your payments, the creditor can pursue all legal actions available to them, including filing for bankruptcy, to collect on your debt
  • If you reaffirm your debt, you must continue to make payments even if you file for bankruptcy later
  • You cannot file for bankruptcy for six months after reaffirming your debt
  • If you reaffirm your debt, you will not be able to file for bankruptcy for five years

At Guzman Law Firm, we can help you negotiate the terms of your reaffirmation agreement and ensure that your rights are protected. You can also count on us to help you avoid bankruptcy if reaffirming your debt is the best course of action for you.

Why Hire a Bankruptcy Attorney?

Reaffirming your debt is a serious decision that can have lasting consequences. You should not sign a reaffirmation agreement without seeking legal guidance.

At the Guzman Law Firm, we can help you evaluate your options and decide if reaffirming your debt is the best course of action. With our help, you can avoid bankruptcy and keep your assets.

Contact Our Houston Reaffirmation Agreement Lawyer

To learn more about reaffirming your debt, contact the Guzman Law Firm. We can help you evaluate your options and decide if reaffirming your debt is the best course of action. With our help, you can avoid bankruptcy and keep your assets.


To get started, contact us online or call us at (713) 338-9009. We offer Free Consultations to all prospective clients.


What Sets Us Apart

  • 35+ Years Of Legal & Bankruptcy Experience
  • After-Hours & Saturday Appointments Available
  • We're a Spanish-Speaking Team
  • We Provide Free Consultations
  • Start with a Virtual Consult
  • Convenient Payment Plans
  • AV Preeminent (Peer Review Rated) by Martindale Hubbell
  • State Bar of Texas (emblem)
  • Houston Association of Consumer Bankruptcy
  • Houston Bar Association
  • Texas Bar College
  • National Association of Consumer Bankruptcy

Contact Guzman Law Firm Today!

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