20+ Yrs of Bankruptcy Experience

Bankruptcy and restructuring decisions require judgment, not haste.

Reset Legal represents individuals and business owners facing debt, lawsuits, and financial distress, before, during, and outside of bankruptcy.

How We Help Clients Facing Financial Pressure

Financial problems often come with urgency, but moving too fast can limit options and increase risk.

Our role is to slow the process down, assess your situation, and determine the safest legal path forward.

We help clients understand:

  • Whether bankruptcy is necessary

  • When action should (or should not) be taken

  • How to protect assets, businesses, and long-term outcomes

AREAS OF PRACTICE

Our Areas of Practice

We focus exclusively on bankruptcy, restructuring, and debt-related legal matters.

Consumer Bankruptcy

Chapter 7 & Chapter 13

We represent individuals seeking relief from overwhelming debt through Chapter 7 or Chapter 13 bankruptcy. Our goal is to help clients regain financial stability while protecting lawful assets and avoiding unnecessary risk.

Best for:

  • Wage garnishments

  • Credit card and personal loan debt

  • Foreclosure or repossession concerns

Business Bankruptcy & Restructuring

Chapter 11 & Subchapter V

We advise business owners facing insolvency, creditor pressure, or operational distress. This includes Chapter 11 and Subchapter V filings, as well as restructuring decisions made before bankruptcy becomes unavoidable.

Best for:

  • Small and mid-size businesses

  • Cash-flow crises

  • Creditor negotiations

  • Business preservation strategies

Bankruptcy Litigation

We represent clients in contested bankruptcy matters, including adversary proceedings, objections, and disputes that arise during the bankruptcy process.

This includes:

  • Creditor challenges

  • Discharge disputes

  • Fraud or preference claims

Creditor & Debt Litigation (Outside Bankruptcy)

We defend individuals and businesses in debt-related lawsuits outside of bankruptcy, including collection actions and enforcement proceedings.

When appropriate, we help clients evaluate whether bankruptcy or restructuring offers a better alternative.

Pre-Bankruptcy Strategy & Case Evaluation

Before any filing, we help clients evaluate their legal position, timing, and risk exposure. This analysis helps determine whether bankruptcy is appropriate, and if so, when and how to proceed.

This step often prevents

irreversible mistakes.

Legal Restructuring & Turnaround Advisory

We assist business owners in evaluating restructuring options before bankruptcy, including out-of-court solutions where appropriate. Our role is legal and strategic: assessing viability, creditor dynamics, governance limits, and legally defensible paths forward.

Where We Practice

Puerto Rico

  • Licensed attorneys

  • Federal bankruptcy courts

Texas

  • Licensed attorneys

  • Federal bankruptcy courts

Representation is provided by attorneys licensed in the applicable jurisdiction.

STILL NOT SURE?

Questions About Bankruptcy & Restructuring Services

Clear answers to common concerns before filing or taking legal action

What is the difference between Chapter 7 and Chapter 13?

Chapter 7 typically involves the discharge of unsecured debt, while Chapter 13 provides a structured repayment plan over time. The appropriate option depends on income, assets, and overall financial exposure. Every case requires individual evaluation.

Can a business continue operating during bankruptcy?

Yes. Many businesses continue operating during Chapter 11 or Subchapter V proceedings. In some cases, restructuring outside of bankruptcy may also preserve operations without filing. Early legal evaluation is critical.

Is bankruptcy the only solution to serious financial pressure?

No. In certain situations, negotiated restructuring, creditor workouts, or strategic delay may provide better outcomes. Bankruptcy is a legal tool, not always the first step.

When should I speak with a bankruptcy attorney?

As early as possible. Financial pressure often escalates quickly. Structured legal guidance before reacting can preserve options, protect assets, and reduce long-term risk.

Start with clarity.

If you are facing bankruptcy or serious financial pressure, the first step is not action—it’s understanding your options.

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RESET LEGAL operates through licensed attorneys in Puerto Rico and Texas. Representation is provided by attorneys licensed in the applicable jurisdiction.

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Reset Legal Group

of Texas, PLLC

2925 Richmond Avenue Ste 1200 Houston, TX 77098

713-955-3870

Almeida & Dávila, PSC

221 Ponce de Leon Ave., Suite 1001

San Juan, PR 00917

787-722-2500

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