Tom Bair Law PLLC

12/05/2025

No one wants to file bankruptcy, especially this time of year. However, if you have received a notice of a petition filed in District Court seeking a judge's permission to foreclose, don't wait until next year. These are time-sensitive matters that must be handled quickly to keep the home loan or homeowners association from obtaining permission to foreclose. Call or email me so I can tell you how I can help.

06/19/2025

Foreclosure? I've been helping people facing foreclosure for nearly 30 years. Call me at 713-223-8585 or email me at [email protected].

Tom Bair uses Chapter 13 Bankruptcy to Stop Foreclosures.

04/20/2022

Facing foreclosure? House payments, HOA payments, and property taxes can be managed in Chapter 13 bankruptcy if you qualify. You don't have to let them take your house from you if you have regular (monthly) income. Call me today and ask if I can help you.

06/16/2020

I am starting to accept in-person consultations for people facing foreclosure. If you have a letter that says you may be facing a foreclosure of your home please allow me the opportunity to help you.

Call my office or send me an email requesting a consultation. As always, consultations are free.

I have a couple of different ways to help, but the primary one for home loans, reverse mortgages is Chapter 13 bankruptcy.

If you are in default with your homeowners association, you may be able to get on a payment plan without the need for bankruptcy.

Whether you need Chapter 13 bankruptcy or a simple payment plan will depend upon your individual circumstances. I'll help you figure out which one is best for you.

03/15/2020

Tom Bair Law PLLC is still open for business! I'm still ready to help you stop your foreclosure. Don't fall into the trap of thinking the mortgage company or bank or Homeowner Association won't go through with a scheduled foreclosure. Unless you have it in WRITING that they are postponing the foreclosure assume they are going forward with the foreclosure. Don't take their word over the phone. It could cost you your home. Call me if you think you are about to lose your home. I am open for business and I will help you stop that foreclosure, if possible. And it is almost always possible especially if you have not filed bankruptcy more than once in the last year. Yes, that's right. I use Chapter 13 Bankruptcy to stop most foreclosures. If you qualify, I can help you, too.

02/25/2020

Foreclosure notices can be scary. Don't let anyone take your house from you. If you qualify, I can help you hold on to your house through Chapter 13 bankruptcy. If you have regular income from a job or other source of income, you may qualify to have a chapter 13 bankruptcy court help you stop foreclosure and then allow you to take up to 60 months to catch up mortgage payments, HOA fees, property taxes, and other obligations. Call or email me and I'll help you find out if Chapter 13 is the best option for you.

12/29/2019

If you've received a letter in the mail telling you that your home is in foreclosure don't wait to do something about it. Call or email me right now to find out if Chapter 13 bankruptcy can help you keep your home. I file Chapter 13 bankruptcies every month to save people from foreclosure. If you qualify, I can help you also. Don't give up!

12/21/2019

No one wants to think about foreclosure during the holiday season. If you are behind on your home loan, homeowner association fees, property taxes, or a loan you took out to pay property taxes then call or email me to find out if Chapter 13 bankruptcy can help you. If you qualify you'll be able to rest easier and enjoy this time of year with your family. Call me to find out if Chapter 13 is the right choice for you. If you are working I want to encourage you to ask questions about Chapter 13. Call me now. I'm ready to answer your questions.

10/06/2019

Are you facing foreclosure of your home? Have you run out of options? Perhaps it is time to consider whether a type of bankruptcy called Chapter 13 could help you. If you qualify and have the money to make payments towards your home loan, homeowners association fees, or property taxes then ask for advice on whether Chapter 13 bankruptcy could be the best option for you. I offer free consultations and free parking in an adjacent parking garage. Just ask for the address. You've got nothing to lose for asking questions, but you might lose your home if you don't.