ABOUT US
Admissions
Commonwealth of Puerto Rico
State of Texas
U.S. Bankruptcy Court for the District of Puerto Rico
U.S. Bankruptcy Courts for the Northern, Southern, and Eastern Districts of Texas
Education
BA, University of Puerto Rico, 1997
JD, University of Puerto Rico, 2001
Associate Editor of the UPR Law Review, 2001
Professional Activities
Host of El Comeback Empresarial Podcast
Impact Chair, Entrepreneurs Organization Puerto Rico, 2025-2026
Communications Chair Elect, EO Puerto Rico, 2026-2027
Strategic Coach Member
American Bar Association Member
Zelma Dávila, Esq.
Managing Partner
Reset Legal
Structured Legal Judgment for High-Stakes Financial Decisions
Zelma Dávila is a bankruptcy and restructuring attorney who represents individuals and business owners facing complex financial decisions. Her practice focuses on disciplined legal strategy, careful sequencing of decisions, and risk evaluation before irreversible action is taken.
Practice Focus
She represents individuals and business owners in complex financial matters involving:
Chapter 7 and Chapter 13
Chapter 11 and Subchapter V
Bankruptcy litigation
Creditor and debt litigation
Pre-bankruptcy planning
Out-of-court restructuring and turnaround strategy
Experience
For more than two decades, Zelma has advised and represented:
Individuals facing insolvency and litigation pressure
Business owners navigating operational distress
Companies restructuring inside and outside Chapter 11
Clients requiring strategic turnaround planning
Her experience includes high-asset cases, business reorganizations, contested matters, and restructuring advisory work beyond formal bankruptcy proceedings.
Outside of Bankruptcy
Her experience includes high-asset cases, business reorganizations, contested matters, and restructuring advisory work beyond formal bankruptcy proceedings.
Assess financial viability
Structure out-of-court workouts
Develop strategic turnaround plans
Legally reorganize operations when possible
Filing is not always the first step.
Sometimes it is not the right step at all.
Her work includes both bankruptcy cases and restructuring outside of bankruptcy when appropriate. Not every distressed business should file.
Not every pressured debtor needs to rush.
Her approach centers on disciplined strategy, asset protection, and defensible outcomes.
Practice Philosophy
Bankruptcy is not just a filing.
It is a sequence of decisions.
Connect with Zelma
REQUEST A CONSULTATION
Clarity comes before action.
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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