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LAKE LAW, PLLC
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Attorney Stephen H. Gordon in San Antonio, TX
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San Antonio bankruptcy attorney offering Chapter 7 and 13 filing services alongside criminal, family law, and personal injury representation with 20+ years experience.
Data compiled from public sources
Attorney Stephen H. Gordon Review
Attorney Stephen H. Gordon founded The Gordon Law Firm, P.C. in San Antonio, Texas as a general practice firm with deep roots in bankruptcy law. The firm is located at 5820 IH-10 West, Suite 400 and has built its reputation over more than 20 years of legal practice. According to client testimonials, the firm has earned recognition including a Clients' Choice Award in 2016 and maintains positive reviews across multiple practice areas.
For bankruptcy clients specifically, The Gordon Law Firm handles both Chapter 7 and Chapter 13 filings. The firm's approach emphasizes listed communication throughout the bankruptcy process, with clients receiving regular status updates and direct access to Attorney Gordon rather than only speaking with paralegals or assistants. The firm explains each stage of bankruptcy proceedings in plain language and provides honest assessments of case prospects, including both strengths and weaknesses, from the initial consultation onward.
The firm distinguishes itself through accessibility and affordability. All initial phone consultations are free, and the firm explicitly advertises rate claims to verify, flexible payment plans, and acceptance of major credit cards. Written contracts detail all fees and costs in advance to eliminate surprise charges. The firm also accommodates remote clients through mail, fax, and email handling of documents when in-person office visits are impractical.
Prospective bankruptcy clients should note that while the website demonstrates competence and client satisfaction in this area, the firm operates as a generalist practice covering six practice areas. Bankruptcy is listed as one of several specialties rather than the exclusive focus. Clients seeking a dedicated bankruptcy-only firm may want to clarify the firm's current caseload and specialization level during the free consultation.
Services & Features
Case assessment with pros and cons analysis
Chapter 13 bankruptcy filing and representation
Chapter 7 bankruptcy filing and representation
Criminal law representation
Family law representation
Flexible payment plans for bankruptcy services
Free initial bankruptcy consultation
Personal injury claims
Preparation for bankruptcy hearings and testimony
Regular bankruptcy case status updates
Remote document handling via mail, fax, and email
Written bankruptcy contracts detailing all fees
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Free initial phone consultation with no obligation
- Honest assessment of case pros and cons provided upfront
- Direct access to Attorney Gordon rather than only paralegals
- Regular case status updates throughout the bankruptcy process
- listed written contracts explaining all fees in advance with no hidden charges
- Flexible payment plans and acceptance of major credit cards for affordability
- 20+ years of attorney experience in bankruptcy matters
- Positive client testimonials specifically mentioning bankruptcy representation
Cons
- Generalist firm covering six practice areas rather than bankruptcy-exclusive focus
- No information provided about bankruptcy-specific success rates or case outcomes
- Limited details on website regarding Chapter 7 vs. Chapter 13 strategy or typical timelines
- No pricing information or fee ranges disclosed publicly
- Website does not specify attorney's educational background, certifications, or listed bankruptcy credentials
State Consumer Finance Context
This is state-level context for Bankruptcy Services consumers in San Antonio, TX. It does not confirm that Attorney Stephen H. Gordon or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Credit and debt help rules in Texas
Relevant law: Texas Credit Services Organization Act (Tex. Fin. Code Ch. 393 (§ 393.001 et seq.))
Registration: Required with Texas Secretary of State
Upfront fees: Listed as prohibited in the current CreditDoc state summary
- Credit services organizations must provide consumers with a written contract before performing any services, detailing all terms and conditions
- Prohibited from charging or collecting any fee or other consideration until the promised services have been fully performed
- Must disclose all material terms in writing, including total cost, payment schedule, and estimated time to completion of services
Key state rules to check
- Payday and auto title lenders operate as Credit Access Businesses (CABs) arranging loans through third-party lenders.
- No state cap on CAB fees; effective APRs frequently exceed 500%.
- Several cities (Austin, Dallas, San Antonio, Houston) have enacted local payday lending ordinances.
Complaint resources
- Texas Office of Consumer Credit Commissioner - State Regulator
- Texas Attorney General Consumer Protection Division - State AG
- Consumer Financial Protection Bureau (CFPB) - Federal
State references
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Frequently Asked Questions
What services does Attorney Stephen H. Gordon offer?
Attorney Stephen H. Gordon offers 12 services including Chapter 7 bankruptcy filing and representation, Chapter 13 bankruptcy filing and representation, Free initial bankruptcy consultation, Case assessment with pros and cons analysis, Regular bankruptcy case status updates, and 7 more.
What profile signals are listed for Attorney Stephen H. Gordon?
Attorney Stephen H. Gordon has profile signals associated with San Antonio-area residents seeking affordable Chapter 7 or Chapter 13 bankruptcy representation, Individuals preferring listed fee structures and direct attorney communication throughout filing, Out-of-state filers who can handle portions of their case through mail, fax, or email, Bankruptcy clients who also need complementary services like family law or estate planning.
What are the strengths and weaknesses of Attorney Stephen H. Gordon?
Key strengths: Free initial phone consultation with no obligation; Honest assessment of case pros and cons provided upfront; Direct access to Attorney Gordon rather than only paralegals. Areas to consider: Generalist firm covering six practice areas rather than bankruptcy-exclusive focus; No information provided about bankruptcy-specific success rates or case outcomes.
How does Attorney Stephen H. Gordon compare to similar companies?
In the Bankruptcy Services category, comparable providers include LAKE LAW, PLLC, Saedi Law Group, LLC, Fonfrias Law Group, LLC. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
Quick Facts
- Headquarters
- 5820 I-10 Suite 400, San Antonio, TX 78201
- BBB Accredited
- No
CreditDoc Profile Note
Research Note on Attorney Stephen H. Gordon
The Gordon Law Firm is profile signals for San Antonio-area debtors seeking affordable, listed Chapter 7 or Chapter 13 bankruptcy representation with direct attorney access. The main caveat is that bankruptcy is one of six practice areas rather than a listed focus, so prospective clients should confirm current availability and experience context level during the free consultation.
Profile Signals
- San Antonio-area residents seeking affordable Chapter 7 or Chapter 13 bankruptcy representation
- Individuals preferring listed fee structures and direct attorney communication throughout filing
- Out-of-state filers who can handle portions of their case through mail, fax, or email
- Bankruptcy clients who also need complementary services like family law or estate planning
Updated 2026-04-29
More Bankruptcy Services
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Saedi Law Group, LLC
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Quick Summary
- Attorney Stephen H. Gordon is listed as a Bankruptcy Services provider in San Antonio, TX on CreditDoc.
- Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
- If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
- For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.
Next Steps
Find contact or location Check phone, address, map, and website availability. Check specific services See whether the provider lists the help you need. Review fit context Use the quiz to compare category, service, and public-rating fields. Compare alternatives Review similar providers before making contact. Improve your position What Your Credit Score Actually Means: Number-by-Number Breakdown Learn the basics Start the free Credit Fundamentals course.
Financial Wellness Guides
What Your Credit Score Actually Means: Number-by-Number Breakdown
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
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Read guide →Financial Terms Explained (14 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
How Loans Work
Default — Loan Default
When you fail to repay a loan according to the agreed terms — usually after 90-180 days of missed payments. It's the point where the lender gives up on collecting normally.
Why it matters
Default triggers severe consequences: credit score drops 100+ points, the debt may be sent to collections, you could be sued, and your wages or assets could be seized.
Example
You miss 4 consecutive car payments. The lender declares your loan in default, repossesses your car, sells it at auction for $8,000, and you still owe the remaining $5,000 (called a deficiency balance).
Legal Terms
CFPB — Consumer Financial Protection Bureau
A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.
Why it matters
The CFPB is your most powerful ally against high-cost lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.
Example
A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.
FDCPA — Fair Debt Collection Practices Act
A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and are required to stop contacting you if you request in writing.
Why it matters
Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you may have a right to sue for up to $1,000 per violation plus attorney fees.
Example
A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.
Garnishment — Wage Garnishment
A court order that requires your employer to withhold part of your paycheck and send it directly to a creditor. Usually happens after a creditor sues you and has obtained a judgment.
Why it matters
Federal law limits garnishment to 25% of disposable income. Some states have lower limits. Student loans and taxes can be garnished without a court order.
Example
You owe $8,000 on a defaulted credit card. The bank sues, gets a judgment, and garnishes your wages. On a $3,000/month net paycheck, they take $750/month until the debt is paid.
Statute of Limitations — Statute of Limitations (Debt)
A time limit (typically 3-6 years, varies by state) after which a creditor can no longer sue you to collect a debt. The debt still exists, but they lose the legal power to force payment.
Why it matters
Knowing your state's statute of limitations prevents you from being tricked into paying debts that are legally uncollectable. Beware: making a payment can restart the clock.
Example
You have a $3,000 credit card debt from 2019. Your state has a 4-year statute of limitations. In 2024, a collector calls demanding payment. The statute has expired — they cannot sue you.
Debt & Recovery
Chapter 13 Bankruptcy — Chapter 13 Bankruptcy (Reorganization)
A type of bankruptcy where you keep your assets but follow a court-approved 3-5 year repayment plan to pay back some or all of your debts. Stays on credit for 7 years.
Why it matters
Chapter 13 may be more relevant than Chapter 7 if you have a home or assets you want to keep. It can stop foreclosure and let you catch up on mortgage payments over 3-5 years.
Example
You're 3 months behind on your mortgage and have $30,000 in credit card debt. Chapter 13 stops foreclosure and puts you on a 5-year plan: you pay $600/month to catch up on the mortgage and pay 40% of the credit card debt.
Chapter 7 Bankruptcy — Chapter 7 Bankruptcy (Liquidation)
A type of bankruptcy that wipes out most unsecured debts (credit cards, medical bills) by liquidating non-exempt assets. It stays on your credit for 10 years.
Why it matters
Chapter 7 gives you a fresh start but at a steep cost: 10 years on your credit, difficulty getting loans, and you may lose assets. Income is generally required to be below your state's median to qualify.
Example
You have $45,000 in credit card debt and earn $35,000/year. Chapter 7 erases the debt. You keep exempt property (basic car, household items). Your score drops to ~500 but you're debt-free.
Charge-Off
When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.
Why it matters
A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.
Example
You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).
Collections — Debt Collections
When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.
Why it matters
Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.
Example
An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.
Debt Consolidation
Combining multiple debts into one single loan with one monthly payment, ideally at a lower interest rate. It simplifies repayment and can reduce total interest.
Why it matters
Consolidation is generally most useful when you get a lower rate than your existing debts. But it doesn't reduce what you owe — and extending the term can mean paying more total interest.
Example
You have: $5,000 at 22% (credit card), $3,000 at 18% (store card), $2,000 at 25% (payday loan). A $10,000 consolidation loan at 11% saves you ~$2,100 in interest over 3 years.
Debt Settlement — Debt Settlement / Negotiation
Negotiating with creditors to accept less than the full amount you owe — typically 40-60 cents on the dollar. Usually done after you've already fallen behind on payments.
Why it matters
Settlement can save thousands, but it severely damages your credit (settled accounts show for 7 years) and the IRS may tax the forgiven amount as income.
Example
You owe $15,000 on a credit card and negotiate a settlement of $7,500 (50%). You save $7,500 but: your credit drops 100+ points, the account shows 'settled' for 7 years, and you may owe taxes on the $7,500 forgiven.
DTI Ratio — Debt-to-Income Ratio
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
Why it matters
Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.
Example
You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.
Judgment — Court Judgment (Debt)
A court ruling that says you legally owe a specific amount to a creditor. It gives the creditor power to garnish wages, freeze bank accounts, or place liens on your property.
Why it matters
Judgments are enforceable for 10-20 years (varies by state) and can be renewed. They give creditors far more collection power than a simple unpaid debt.
Example
A credit card company sues you for $8,000 and has obtained a judgment. They can now garnish 25% of your paycheck ($750/month on a $3,000 net salary) and freeze your bank account.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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