SOLUTIONS TO DEBT PROBLEMS
Bankruptcy decisions require order,
not urgency.
RESET LEGAL helps individuals and business owners understand their options and make bankruptcy and debt decisions in the correct order, before taking irreversible action.
We represent individuals and businesses in Chapter 7, Chapter 13, Chapter 11, Subchapter V, and restructuring matters, including creditor lawsuits and bankruptcy litigation.
5,500+ Clients Served
Bankruptcy Experience
20+ Years
Licensed Jurisdictions
Puerto Rico & Texas
ABOUT US
Serious financial problems require structured legal judgment.
Financial pressure creates urgency.
Urgency leads to rushed decisions.
Rushed decisions often eliminate options and increase risk.
RESET LEGAL approaches bankruptcy as a legal decision sequence, not a last-minute transaction.
Our role is to restore order, evaluate risk, and guide each case forward deliberately and defensibly.
Zelma Dávila, Esq.
Managing Partner
OUR PROCESS
The RESET Approach
We restore order before action.
In practice, this means we assess your situation, identify legal risks, and
determine the safest next step before any filing, negotiation, or litigation occurs.
Recognize the Pressure
Identify the true source of financial or legal pressure and separate real risk from perceived urgency.
Examine the Full Picture
Review the complete financial and legal landscape using verified facts, not assumptions.
Sequence Decisions
Determine what must happen first, and what must not happen yet, to preserve options and leverage.
Execute with Discipline
Proceed with filing, litigation, or negotiation only after the correct sequence is established.
Transition Forward
Guide resolution with long-term vision and consequences in view.
Order before action. Always.
OUR SERVICES
Our Bankruptcy Practice
We represent individuals and business owners facing debt, lawsuits, or restructuring decisions, before, during, and outside of bankruptcy.
Consumer Bankruptcy
Representation in Chapter 7 and Chapter 13 matters for individuals seeking lawful relief, asset protection, and financial stability.
Business Bankruptcy & Restructuring
Counsel for business owners in Chapter 11 and Subchapter V proceedings, as well as restructuring matters involving creditor pressure, litigation risk, or operational distress.
Bankruptcy Litigation
Representation in contested bankruptcy matters, including adversary proceedings and creditor disputes.
Creditor & Debt Litigation
Defense and strategic representation in creditor lawsuits and debt enforcement actions outside of bankruptcy.
Turnaround Planning & Legal Restructuring Advisory
Legal advisory services to help evaluate business viability, creditor strategy, and legally defensible restructuring options, including out-of-court solutions where appropriate.
Bankruptcy Strategy & Case Evaluation
Pre-filing analysis and timing strategy to determine whether bankruptcy is appropriate, and if so, when and how.
A Different Kind of Bankruptcy Law Firm
Many bankruptcy outcomes are determined long before a petition is filed.
RESET LEGAL exists to help clients make decisions in the correct order, preserving options, minimizing risk, and avoiding irreversible mistakes.
We do not rush filings.
We guide decisions deliberately and lawfully, with full awareness of the consequences.
Client Feedback
What Clients are Saying
RESET LEGAL approaches client representation with professionalism, clarity, and disciplined legal judgment.
“ I am incredibly grateful for their support and professionalism throughout the entire process.”
From day one, they explained each step clearly, patiently answered all my questions, and always showed empathy for my situation.
Thanks to their expertise and dedication, I was able to face this difficult time with peace of mind and confidence.
EDWARD ROMAN
One of the best experiences I’ve ever had with a professional and great quality service on this branch. Highly recommended A+.
JOSE RAMOS
The use of technology is very effective, and the office atmosphere is friendly and highly professional.
JOSE MURATTI TORO, PH.D.
Professional and diligent service. Excellent guidance throughout the process. Communication and document submission methods are very efficient and fast.
NATASHA QUINONES
RESET BANKRUPTCY ATTORNEY TEAM
Meet Our Bankruptcy & Restructuring Attorneys
Contact Us
Begin with a disciplined legal consultation.
If you are considering bankruptcy, the first step is not action, it is clarity.
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
© 2026. Reset Tax Group, LLC. All rights reserved.