20+ Yrs of Bankruptcy Experience in Puerto RIco
Puerto Rico Bankruptcy & Restructuring Attorneys
Strategic bankruptcy and restructuring representation that protects your assets and stabilizes your financial position in Puerto Rico.
When financial pressure increases, clarity matters.
Chapter 7
Chapter 13
Business Restructuring
Litigation
Are You Facing Any of the Following?
Wage
Garnishment
Foreclosure or lien enforcement
Creditor
Lawsuits
Business cash-flow instability
Pressure to decide whether to file bankruptcy
Serving Clients Across Puerto Rico
RESET LEGAL represents individuals and business owners throughout Puerto Rico in bankruptcy and restructuring matters before the U.S. Bankruptcy Court for the District of Puerto Rico.
Our work includes consumer filings, business reorganization, contested litigation, and disciplined pre-filing analysis.
Financial pressure creates urgency.
Effective legal judgment requires structure.
We provide clarity before action, so decisions are deliberate, not reactive.
STILL NOT SURE?
Questions About Bankruptcy & Restructuring in Puerto Rico
Clear answers to common concerns before filing or taking legal action in Puerto Rico.
Who is this representation best suited for?
This page is designed for:
• Individuals facing wage garnishment, foreclosure, or creditor lawsuits in Puerto Rico
• Business owners experiencing cash-flow instability or creditor pressure
• Clients evaluating whether bankruptcy is necessary under Puerto Rico law
• Matters requiring structured legal strategy, not rushed filings
Will filing bankruptcy mean I lose my home or business?
Not necessarily. Asset protection depends on timing, structure, and Puerto Rico exemption laws. In many cases, disciplined planning allows clients to protect significant assets while addressing debt exposure.
Is bankruptcy the only option?
No. In many matters, out-of-court restructuring, negotiated resolutions, or strategic delay may provide better outcomes. Every case begins with evaluating whether filing before the U.S. Bankruptcy Court for the District of Puerto Rico is appropriate at all.
When should I speak with an attorney?
Early. Financial pressure often escalates quickly. Structured evaluation before reacting can preserve options and reduce long-term risk.
AREAS OF PRACTICE
Bankruptcy & Restructuring Representation in Puerto Rico
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 focus is not speed, it is protection, compliance, and long-term financial stability.
Best suited for:
Wage garnishments
Credit card and personal loan debt
Foreclosure or repossession risk
Business Bankruptcy & Restructuring
Chapter 11 & Subchapter V
We advise business owners navigating insolvency, creditor pressure, or operational distress.
This includes Chapter 11 filings, Subchapter V cases, and restructuring strategies implemented before formal bankruptcy becomes unavoidable.
Best suited for:
Small and mid-size businesses
Cash-flow instability
Creditor negotiations
Preservation of viable operations
Bankruptcy Litigation
We represent clients in contested bankruptcy matters, including adversary proceedings, objections, and disputes arising within formal proceedings.
Creditor challenges
Discharge disputes
Fraud or preference claims
Creditor & Debt Litigation (Outside Bankruptcy)
We defend individuals and businesses in debt-related litigation outside of bankruptcy, including collection actions and enforcement proceedings.
Where appropriate, we evaluate whether restructuring or bankruptcy provides a safer alternative.
Pre-Bankruptcy Strategy & Case Evaluation
Before any filing, we conduct structured analysis of legal position, timing, and risk exposure.
This step often prevents
irreversible mistakes.
Legal Restructuring & Turnaround Advisory
We assist business owners in evaluating restructuring options outside of court when appropriate.
Our role is legal and strategic: assessing viability, creditor leverage, governance constraints, and defensible paths forward.
Business Restructuring in Puerto Rico
Strategic evaluation before insolvency becomes unavoidable.
Not every financially distressed business in Puerto Rico should file bankruptcy. Structured evaluation before filing can preserve operations, protect assets, and strengthen negotiating leverage.
Creditor negotiations
Out-of-court restructuring
Subchapter V or Chapter 11 planning
Strategic corporate risk evaluation
Our role is legal and strategic.
We assess risk, creditor dynamics, and defensible paths forward before formal proceedings begin.
Puerto Rico Office
Almeida & Dávila, PSC
Supervising Attorney: Enrique Almeida, Esq.
221 Ponce de Leon Ave., Suite 1001
San Juan, PR 00917
By Appointment Only
787-722-2500
Representation is provided by attorneys licensed in the Commonwealth of Puerto Rico,
and the U.S. Bankruptcy Court for the District of Puerto Rico
Start With Clarity Before Action.
Early evaluation preserves options and reduces risk.
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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