Payne & Associates, PLLC

Payne & Associates, PLLC is a respected bankruptcy and consumer protection law firm serving clients throughout Spring, Texas, and the greater Houston region. Led by Managing Partner Kyle Payne, the firm offers compassionate, judgment-free legal counsel designed to restore financial stability. With decades of combined experience, Payne & Associates, PLLC, provides the guidance clients need to overcome overwhelming debt and achieve a lasting financial fresh start.

Payne & Associates, PLLC, focuses exclusively on bankruptcy and consumer law, including Chapter 7 and Chapter 13 filings, foreclosure defense, repossession, judgment protection, and credit repair. The firm helps clients stop creditor harassment, safeguard assets, and rebuild their credit. The firm is admitted in all four U.S. District and Bankruptcy Courts in Texas, providing comprehensive statewide representation backed by proven courtroom and negotiation experience.

Payne & Associates, PLLC, emphasizes collaboration, transparency, and respect in every client relationship. Managing Partner Kyle Payne’s bilingual fluency and background in adversarial and transactional law enable him to serve Spring’s diverse community effectively. Recognized as a Rubin Public Interest Law Honor Society Fellow, he began his career in the Philadelphia District Attorney’s Office, shaping his commitment to justice and client-centered advocacy that defines the firm’s approach today.

Payne & Associates, PLLC, understands the financial pressures faced by local families and provides compassionate guidance throughout bankruptcy proceedings. Clients across Houston, The Woodlands, and beyond rely on the firm for trusted, responsive representation that restores confidence and security. From preventing foreclosure to rebuilding credit, the firm empowers clients to take control of their financial future with integrity and care.