Experienced Bankruptcy Attorney in Houston, Texas Area
Helping individuals navigate financial hardship with compassion and experience. Contact Sarah Garcia for a free consultation.
About Sarah Garcia
Experienced Bankruptcy Attorney
With experience in bankruptcy law since 2018, Sarah Garcia has helped hundreds of clients in Texas and the greater Houston area navigate their financial difficulties and achieve a fresh start.
After graduating from the South Texas College of Law Houston in the top five percent of her graduating class, she dedicated her practice to bankruptcy law, becoming a respected advocate for individuals and small businesses facing financial hardship.
Sarah understands that financial difficulties can happen to anyone. Her compassionate approach ensures that clients feel supported and respected throughout the bankruptcy process. She takes the time to understand each client's unique situation and develops personalized strategies to help them regain financial stability.
As a member of the Texas Bar Association and the National Association of Consumer Bankruptcy Attorneys, Sarah stays current with the latest developments in bankruptcy law to provide her clients with the most effective representation possible.
Sarah is admitted into all four bankruptcy districts in Texas, including the Northern District of Texas, Southern District of Texas, Eastern District of Texas, and Western District of Texas.
Our Approach
Personalized Legal Strategy
We develop customized legal strategies based on your unique financial situation and goals.
Compassionate Guidance
We understand the stress of financial hardship and provide supportive, judgment-free counsel.
Clear Communication
We explain complex legal concepts in plain language and keep you informed throughout the process.
Dedicated Advocacy
We vigorously protect your rights and interests when dealing with creditors and the court.
Practice Areas
Sarah Garcia helps clients navigate financial challenges through various bankruptcy options and debt relief strategies.
Fresh Start
Chapter 7 bankruptcy provides individuals with overwhelming debt a fresh financial start. This process allows you to eliminate most unsecured debts while keeping your exempt property.
Benefits of Chapter 7 Bankruptcy
- Quick Debt Relief: Be debt-free in approximately 90 days
- Automatic Stay: Immediate protection from collection activities
- Discharge of Debts: Eliminate credit card debt, medical bills, personal loans, and certain older tax debts
- Keep Essential Assets: Texas has generous exemptions that often allow you to keep your home, car, and personal belongings
- End Harassment: Stop creditor calls and collection attempts
- Prevent Garnishments: Protect your bank accounts and wages
- Rebuild Credit: Start rebuilding your credit immediately after discharge
Is Chapter 7 Right for You?
Chapter 7 bankruptcy may be appropriate if:
- You have primarily unsecured debts (credit cards, medical bills)
- Your income is below the Texas median or you can pass the means test
- You don't have significant non-exempt assets
- You need immediate relief from debt collectors
Repayment Plan
Chapter 13 bankruptcy allows you to catch up on past due debts, like mortgage payments, car payments, and taxes, over a 3-5 year period. You make monthly payments to a Chapter 13 Trustee, who then distributes the funds to your creditors according to a plan approved by the bankruptcy court.
Benefits of Chapter 13 Bankruptcy
- Stop Foreclosure: Filing Chapter 13 can immediately stop foreclosure proceedings and give you time to catch up on missed mortgage payments
- Debt Consolidation: Chapter 13 allows you to consolidate your debts into a single, manageable monthly payment
- Keep Your Assets: You may be able to keep non-exempt assets, like extra cars or extra land.
- Protection from Creditors: Once you file Chapter 13, creditors are prohibited from contacting you or taking any collection action against you
- Save Vehicles: Prevent repossessions and potentially reduce what you owe
- Manage Tax Debts: Pay back taxes through an organized payment plan
- Discharge of Remaining Debt: At the end of your repayment plan, any remaining dischargeable debt is forgiven
Is Chapter 13 Right for You?
Chapter 13 bankruptcy may be appropriate if:
- You have a regular income
- You're behind on mortgage or car payments and want to keep these assets
- You have non-exempt property you want to protect
- You have tax debts or other debts that can't be discharged in Chapter 7
- Your income is too high to qualify for Chapter 7
Not Sure Which Option Is Right for You?
Every financial situation is unique. Schedule a free consultation to discuss your specific circumstances and determine the best path forward.
Schedule a Free ConsultationAreas We Serve
Sarah Garcia is admitted to practice in all four U.S. Bankruptcy Court districts in Texas and represents clients throughout the state. Select a district below to see the counties and divisions it covers.
Houston & Surrounding Areas
(Chapter 7 & Chapter 13)
Southern District of Texas
(Chapter 7 & Chapter 13)
Galveston Division
Brazoria, Chambers, Galveston, and Matagorda
Houston Division
Austin, Brazos, Colorado, Fayette, Fort Bend, Grimes, Harris, Madison, Montgomery, San Jacinto, Walker, Waller, and Wharton
Laredo Division
Jim Hogg, La Salle, McMullen, Webb, and Zapata
Brownsville Division
Cameron and Willacy
Victoria Division
Calhoun, DeWitt, Goliad, Jackson, Lavaca, Refugio, and Victoria
Corpus Christi Division
Aransas, Bee, Brooks, Duval, Jim Wells, Kenedy, Kleberg, Live Oak, Nueces, and San Patricio
McAllen Division
Hidalgo and Starr
Western District of Texas
(Chapter 7 only)
Austin Division
Bastrop, Blanco, Burleson, Burnet, Caldwell, Gillespie, Hays, Kimble, Lampasas, Lee, Llano, Mason, McCulloch, San Saba, Travis, Washington, and Williamson
Waco Division
Bell, Bosque, Coryell, Falls, Freestone, Hamilton, Hill, Leon, Limestone, McLennan, Milam, Robertson, and Somervell
El Paso Division
El Paso
San Antonio Division
Atascosa, Bandera, Bexar, Comal, Dimmit, Frio, Gonzales, Guadalupe, Karnes, Kendall, Kerr, Medina, Real, and Wilson
Del Rio Division
Edwards, Kinney, Maverick, Terrell, Uvalde, Val Verde, and Zavala
Pecos Division
Brewster, Culberson, Jeff Davis, Hudspeth, Loving, Pecos, Presidio, Reeves, Ward, and Winkler
Midland-Odessa Division
Andrews, Crane, Ector, Martin, Midland, and Upton
Eastern District of Texas
(Chapter 7 only)
Tyler Division
Anderson, Cherokee, Gregg, Henderson, Panola, Rains, Rusk, Smith, Van Zandt, and Wood
Beaumont Division
Hardin, Jasper, Jefferson, Liberty, Newton, and Orange
Sherman Division
Collin, Cooke, Delta, Denton, Fannin, Grayson, Hopkins, and Lamar
Marshall Division
Camp, Cass, Harrison, Marion, Morris, and Upshur
Texarkana Division
Bowie, Franklin, Red River, and Titus
Lufkin Division
Angelina, Houston, Nacogdoches, Polk, Sabine, San Augustine, Shelby, Trinity, and Tyler
Northern District of Texas
(Chapter 7 only)
Dallas Division
Dallas, Ellis, Hunt, Johnson, Kaufman, Navarro, and Rockwall
Fort Worth Division
Comanche, Erath, Hood, Jack, Palo Pinto, Parker, Tarrant, and Wise
Abilene Division
Callahan, Eastland, Fisher, Haskell, Howard, Jones, Mitchell, Nolan, Shackelford, Stephens, Stonewall, Taylor, and Throckmorton
San Angelo Division
Brown, Coke, Coleman, Concho, Crockett, Glasscock, Irion, Menard, Mills, Reagan, Runnels, Schleicher, Sterling, Sutton, and Tom Green
Amarillo Division
Armstrong, Briscoe, Carson, Castro, Childress, Collingsworth, Dallam, Deaf Smith, Donley, Gray, Hall, Hansford, Hartley, Hemphill, Hutchinson, Lipscomb, Moore, Ochiltree, Oldham, Parmer, Potter, Randall, Roberts, Sherman, Swisher, and Wheeler
Wichita Falls Division
Archer, Baylor, Clay, Cottle, Foard, Hardeman, King, Knox, Montague, Wichita, Wilbarger, and Young
Lubbock Division
Bailey, Borden, Cochran, Crosby, Dawson, Dickens, Floyd, Gaines, Garza, Hale, Hockley, Kent, Lamb, Lubbock, Lynn, Motley, Scurry, Terry, and Yoakum
Not sure which district or division you're in? Contact us — we serve clients throughout the entire state of Texas.
Client Reviews
At Sarah Garcia Law, client satisfaction is our top priority. We're proud of the positive feedback we've received from clients we've helped through difficult financial situations.
FindLaw Reviews
"Sarah helped me navigate through a difficult Chapter 7 bankruptcy with professionalism and compassion. She made a stressful process much easier."
LinkedIn Recommendations
"Sarah Garcia is an excellent attorney, she has been helping us in our bankruptcy case. Sarah has been a pleasure to work with. She guides us, explains and answers all of our questions, and is very knowledgeable and extremely patient with us."
Avvo Reviews
"I was overwhelmed with debt and didn't know where to turn. Sarah explained all my options clearly and helped me get a fresh financial start."
When I found myself drowning in debt after medical issues, I didn't know where to turn. Sarah not only helped me through the bankruptcy process but treated me with dignity and respect throughout. She explained everything clearly and was always available to answer my questions.
After falling behind on my mortgage payments, I was terrified of losing my home. Sarah helped me file for Chapter 13 bankruptcy, which allowed me to create a manageable repayment plan and keep my house. She was professional, knowledgeable, and genuinely cared about my situation.
As a small business owner facing financial difficulties, I needed experienced guidance. Sarah took the time to understand my unique situation and presented me with options I didn't know existed. Her knowledge of bankruptcy law is impressive, and her compassionate approach made a difficult process much easier.
Contact Us
Schedule a free consultation to discuss your situation and explore your debt relief options. We're here to help you find the right solution.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Office Location
711 West Bay Area Blvd
Suite 261
Webster, Texas 77598
*By Appointment Only
Business Hours
Monday - Friday:
9:00 AM - 5:00 PM
Saturday: Closed
Sunday: Closed
Request a Free Consultation
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