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Filing bankruptcy will ruin your credit

From Debtor Advocate to Creditor Champion: Helping Creditors Recover What They’re Owed in Texas

For over 25 years, I dedicated my practice to helping individuals in financial distress. As a debtor’s attorney, I filed over 4,000 Chapter 7 and Chapter 13 consumer bankruptcy cases, guiding clients toward a fresh financial start. Today, my focus has shifted. I now represent creditors, ensuring they receive the payments they are rightfully owed from Texas debtors.

Financial Stress Affects Everyone

Whether you’re a debtor trying to escape the weight of financial struggles or a creditor attempting to recover debts, financial stress can consume your life, damage your relationships, and affect your health. For creditors, the uncertainty of recovering unpaid debts can be just as overwhelming as debtors’ fears of never regaining financial stability.

Debunking the Myths About Bankruptcy

Many creditors believe bankruptcy means they’ll never see their money again. That’s simply not true. Bankruptcy laws exist to create a balance—a fair process for debtors to discharge or restructure their obligations while allowing creditors to recover as much as possible under the circumstances. My years of experience working on both sides of the aisle equip me with the knowledge to navigate these complexities.

As a debtor’s attorney, I saw the transformative power of rebuilding credit after bankruptcy. On the other hand, as a creditor’s advocate, I now help clients ensure their rights are protected and that debtors meet their obligations as prescribed by law.

Creditors Can Take Control

If you’re worried about never recovering your debts, I’m here to help. Texas law provides robust remedies for creditors. Whether through bankruptcy proceedings, collections, or alternative legal strategies, there are avenues to recover what you’re owed.

My goal is to help you regain control of your financial situation. I’ll work hard to explain your rights, the available options, and the truth about what you can realistically expect to recover from debtors.

Stop the Worry, Start the Recovery

If you’re tired of wondering whether you’ll ever see your money again, it’s time to act. Whether you’re dealing with a debtor who has filed for bankruptcy or one who is simply ignoring their obligations, I can help. Let’s get things under control so you can focus on moving forward.

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Michael Busby is a Houston divorce lawyer who has been in practice for over 20 years and appears daily in the Family Law Courts of Harris County and Fort Bend County Texas

Busby & Associates , have two Houston Offices, one in Chinatown, Houston Texas and another in Independent Heights, Houston, Texas. Michael Busby is Board Certified in Family law by the Texas Board of Legal Specialization.