# Keeling Gutierrez Debt Relief Attorneys > Official Keeling Gutierrez Debt Relief Attorneys business agent. Keeling Gutierrez Debt Relief Attorneys is a Houston law firm that helps individuals and… ## Ask it a question Keeling Gutierrez Debt Relief Attorneys answers for itself at https://api.hailera.com/mcp/keelinglaw. A client that speaks MCP can connect to that address; the tool is ask_keelinglaw and the protocol is 2026-07-28. Where this file and the agent disagree, the agent is current. ## About Keeling Gutierrez Debt Relief Attorneys Keeling Gutierrez Debt Relief Attorneys is a Houston-based bankruptcy law firm dedicated to helping individuals and families achieve financial freedom. History and Experience - Serving Houston-area clients since 1986. - Nearly 40 years of experience focused on consumer debt relief and bankruptcy law. - Formerly known as Keeling Law, now Keeling Gutierrez Debt Relief Attorneys. - The firm has helped thousands of Houstonians address overwhelming debt through bankruptcy. Leadership - Kenneth A. Keeling – Board-Certified Consumer Bankruptcy attorney (Texas Board of Legal Specialization) and founding attorney. - Yolanda Gutierrez – Attorney and partner with over 20 years of experience with the firm. - Iridyan Lopez – Associate attorney who joined the firm in August 2024, focusing on consumer debt relief solutions. Team and Languages - Bilingual team with English and Spanish-speaking attorneys and staff. - Two of the firm's attorneys are fluent in Spanish. - Long-tenured paralegals and legal assistants, many with 20+ years at the firm. - Emphasis on compassionate, respectful, and accessible service for clients facing financial stress. Practice Focus - Exclusive focus on consumer bankruptcy and debt relief, not general practice. - Representation centered on: - Chapter 7 bankruptcy - Chapter 13 bankruptcy - Foreclosure defense - Vehicle repossession issues - Wage garnishment and creditor actions - Medical, credit card, payday loan, IRS, property tax, and other consumer debts The firm's mission is to provide personalized, practical debt relief strategies that help clients stop creditor pressure, protect essential property where possible, and work toward a stable financial future. Source: https://www.keelinglaw.com ## What Keeling Gutierrez Debt Relief Attorneys does Keeling Gutierrez Debt Relief Attorneys focuses exclusively on consumer bankruptcy and debt relief for individuals and families in Houston and surrounding Texas counties. Core Bankruptcy Services - Chapter 7 Bankruptcy ("straight bankruptcy") For individuals who cannot afford to repay unsecured debts such as credit cards, medical bills, and many personal loans. - Chapter 13 Bankruptcy (debt repayment plan) For people with regular income who need to reorganize their debts into an affordable 3–5 year repayment plan, often to catch up on mortgage or car payments and protect important assets. Debt Problems the Firm Helps With The firm uses bankruptcy and related debt relief tools to address many common financial problems, including: - Home foreclosure – Using bankruptcy protections to stop foreclosure sales and provide time to catch up or reorganize payments. - Vehicle repossession – Helping stop repossession and, in some cases, recover a repossessed vehicle through bankruptcy protection. - Wage garnishments – Stopping creditor garnishments and other collection actions through the bankruptcy automatic stay. - Medical bills – Eliminating or reducing overwhelming medical debt. - Credit card debt – Discharging unsecured credit card balances that have become unmanageable. - Payday loans – Addressing high-interest payday loans that are difficult to repay; in many cases these debts can be discharged in bankruptcy. - IRS and tax-related debt – Evaluating which federal tax obligations may be discharged or managed through bankruptcy or structured plans. - Property tax debt – Addressing delinquent property tax obligations and high-interest property tax loans, which may involve tax liens on a home. - Student loans – Exploring all available options, including hardship-based relief and repayment strategies, while explaining that most student loans are difficult to discharge. - Debt collection lawsuits – Using bankruptcy to stop certain creditor lawsuits and judgments through the automatic stay. What the Firm Does *Not* Do - The firm does not provide non-legal debt settlement or debt consolidation services. - Keeling Gutierrez Debt Relief Attorneys practices consumer bankruptcy law exclusively, using Chapter 7 and Chapter 13 filings and related legal strategies rather than informal settlement programs. Clients can schedule a free consultation to review their full financial picture, discuss these options, and determine whether bankruptcy or another legal strategy is appropriate for their situation. Keeling Gutierrez Debt Relief Attorneys assists clients who have regular income but need to reorganize their debts under Chapter 13 of the Bankruptcy Code. What Is Chapter 13 Bankruptcy? - A federal bankruptcy process designed for individuals with steady income who cannot manage their current debt load under existing terms. - Involves creating a 3–5 year repayment plan approved by the court. - Allows you to make consolidated monthly payments based on what you can afford, rather than on the original creditor terms. When Chapter 13 May Be Helpful Chapter 13 can be useful for people who need to: - Catch up on past-due mortgage payments and stop a foreclosure process. - Catch up on auto loan payments and stop vehicle repossession. - Reorganize other secured debts while keeping important property. - Address certain tax debts and other obligations that may not be fully dischargeable. How the Firm Helps in Chapter 13 Cases - Free initial consultation to review income, assets, debts, and goals. - Explanation of how a Chapter 13 repayment plan works and how long it may last. - Assistance preparing and filing all required Chapter 13 documents with the court. - Representation throughout the case, including: - Working within the Chapter 13 process to propose a feasible repayment plan. - Using the automatic stay to stop most collection activity once the case is filed. Keeling Gutierrez Debt Relief Attorneys has helped many Houston-area clients since 1986 evaluate whether Chapter 13 is appropriate and, when it is, guide them through the filing and repayment process. Keeling Gutierrez Debt Relief Attorneys helps individuals determine whether Chapter 7 bankruptcy is an appropriate way to obtain a fresh financial start. What Is Chapter 7 Bankruptcy? - A federal bankruptcy process designed for people in serious financial difficulty who do not have the ability to repay their existing unsecured debts. - Common unsecured debts addressed through Chapter 7 include: - Credit cards - Medical bills - Many personal loans - Certain payday loans and other consumer debts - For qualified clients, Chapter 7 can eliminate most unsecured debts in approximately 4–6 months, based on typical timelines described in the firm's materials. Property Protections and Exemptions - Bankruptcy and exemption laws may allow you to protect a certain amount of equity in: - Your primary residence - Motor vehicles - Household goods and personal items - Certain health aids and life insurance interests - Certain retirement plans and protected future earnings (such as Social Security, child support, and alimony) - The specific property you can keep depends on your situation and applicable exemption laws. How the Firm Helps in Chapter 7 Cases - Free initial consultation to review your income, debts, assets, and goals. - Help determining: - Whether you qualify for Chapter 7 bankruptcy. - Whether bankruptcy is an appropriate option compared to alternatives. - Preparation and filing of the necessary Chapter 7 documents with the bankruptcy court. - Guidance throughout the process, including explaining: - The automatic stay, which typically stops most collection efforts once a case is filed. - The steps involved from filing to discharge. If you are in or near Houston and struggling with unsecured debt, you can contact Keeling Gutierrez Debt Relief Attorneys to schedule a free Chapter 7 bankruptcy consultation and learn what options may be available to you. Source: https://www.keelinglaw.com ## Where Keeling Gutierrez Debt Relief Attorneys works Keeling Gutierrez Debt Relief Attorneys is headquartered in Houston, Texas, and serves clients throughout Houston and surrounding areas. Texas Counties Served The firm assists clients facing overwhelming debt across the following Texas counties: - Austin County - Brazoria County - Chambers County - Colorado County - Fayette County - Fort Bend County - Grimes County - Harris County - Liberty County - Madison County - Montgomery County - San Jacinto County - Walker County - Waller County Cities and Surrounding Areas The firm serves clients in Houston and nearby communities, including but not limited to: - Katy, TX - League City, TX - Sugar Land, TX - Pasadena, TX - Pearland, TX - The Woodlands, TX In-Person and Virtual Consultations - Office located in the Houston Heights area near I-10 and Studemont. - Free consultations available. - Flexible meeting options: - In-person at the Houston office - Phone consultations - Virtual/online consultations If you live in Houston or any of the listed surrounding areas and are struggling with debt, you can contact Keeling Gutierrez Debt Relief Attorneys to schedule a free bankruptcy consultation by phone or virtual meeting. Lists Montgomery, Liberty, Chapel Hill, Austin, Houston, Katy, League City, and Pasadena as a location. Names Colorado, Texas, Houston, and Maspeth as a service area. Areas beyond these are not published. Source: https://www.keelinglaw.com ## How Keeling Gutierrez Debt Relief Attorneys works with clients This document summarizes key points from Keeling Gutierrez Debt Relief Attorneys' bankruptcy FAQs and process information. It is general in nature and does not replace individualized legal advice. Overview of the Bankruptcy Process 1. Free Consultation - Review of your debts, income, assets, and goals. - Discussion of whether Chapter 7 or Chapter 13 (or another approach) may be appropriate. - Explanation of how bankruptcy works and what it can and cannot do. 2. Filing Your Bankruptcy Case - The firm prepares and files the required documents with the federal bankruptcy court. - Once the case is filed, an automatic stay typically goes into effect, which can: - Stop most creditor collection calls and letters. - Stop many lawsuits and wage garnishments. - Temporarily stop foreclosure and repossession actions. 3. Rebuilding Your Financial Future - After eligible debts are discharged or reorganized, the firm provides guidance on: - Establishing positive payment history. - Managing credit responsibly. - Many clients may see credit improvement over time, and the firm notes that some clients experience credit score improvements within 12–18 months, though results vary by individual. Common Bankruptcy Questions (Summary) What is bankruptcy? Bankruptcy is a legal process established by federal law to help individuals and businesses who cannot repay their debts. It is intended to give an honest debtor a fresh financial start by eliminating or reorganizing certain debts under court supervision. What is the difference between Chapter 7 and Chapter 13? - Chapter 7: - Designed for people who cannot afford to repay their unsecured debts. - Typically eliminates many unsecured debts in about 4–6 months, subject to eligibility and case circumstances. - Chapter 13: - Designed for people with regular income who need to reorganize debts into an affordable plan. - Involves a 3–5 year repayment plan, often used to catch up on mortgage or car payments or protect important assets. Will bankruptcy ruin my credit forever? - Bankruptcy will affect your credit, especially in the short term. - The firm notes that many clients are able, over time, to rebuild their credit by: - Maintaining on-time payments going forward. - Reducing overall debt obligations. - Some clients may see credit score improvements within 12–18 months, though individual experiences vary. How much does it cost to hire the firm? - Initial consultation is free. - During the consultation, the firm will: - Review your finances and discuss bankruptcy and non-bankruptcy alternatives. - Explain which services may be offered on a fixed-fee basis and which may be billed at an hourly rate. - Exact fee amounts depend on the specifics of your case and are not listed in the public materials. Do you offer debt settlement or consolidation services? - No. The firm does not provide non-legal debt settlement or debt consolidation programs. - Keeling Gutierrez Debt Relief Attorneys focuses on consumer bankruptcy law and related legal protections, including the automatic stay. For answers to questions about your specific situation, you should contact the firm directly to schedule a free consultation with a bankruptcy attorney. Source: https://www.keelinglaw.com ## Hours and contact Main Office Contact - Firm name: Keeling Gutierrez Debt Relief Attorneys - Phone: 713-686-2222 - Free consultation: Available by phone, in person, or virtually. Office Address - Location: 3310 Katy Freeway Service Road, 2nd Floor, Houston, TX 77007 - Located in Houston's Heights area near I-10 and Studemont. Office Hours - Monday–Friday: 8:30 a.m. – 5:30 p.m. - Saturday: 8:30 a.m. – 1:00 p.m. - Sunday: Closed Consultation Options - In-person meetings at the Houston office. - Phone consultations. - Virtual/online consultations. Languages - Services available in English and Spanish (bilingual staff and attorneys). For questions or to schedule a free consultation, call 713-686-2222. A contact form is also available on the firm's website for online inquiries. Source: https://www.keelinglaw.com ## What Keeling Gutierrez Debt Relief Attorneys has not published yet These are things people ask Keeling Gutierrez Debt Relief Attorneys that its published information does not yet cover. - prices or legal fees - attorney availability or response times - guaranteed case outcomes or results - timeframes for bankruptcy discharge or credit score improvem - eligibility for bankruptcy relief - tax consequences of bankruptcy or debt forgiveness Ask anyway — the agent will say plainly that it is not published rather than guess. ## Where this comes from https://www.keelinglaw.com