HERRIN LAW

Chapter 7 and Chapter 13 for individuals and families, including emergency filings when a date is already on the calendar.

• Chapter 7 discharge
• Chapter 13 repayment
• Means test

You have been sued, garnished or frozen — or you want the debt resolved without filing anything at all.

• Answering a suit
• Default judgments
• Garnishment

A balance you cannot pay, and the collection machinery that comes after it.

• Offer in compromise
• Installment agreements
• Liens and levies

Deciding now what happens later, and keeping what you have built out of reach while you are still using it.

• Wills
• Trusts
• Powers of attorney

Somebody died and there is property, a title, or a disagreement about who gets what.

• Independent administration
• Muniment of title
• Heirship

Chapter 7, Chapter 11 and Subchapter V — winding a company down cleanly, or keeping it open while the debt is restructured.

• Subchapter V
• Chapter 11
• Orderly wind-down

Merchant cash advances: the debits, the stack, the UCC filing, the New York court, and what Texas HB 700 changed on 1 September 2025.

• HB 700 and chapter 398
• Reconciliation
• UCC-1 liens

The 60-day demand letter, the offer in compromise, and what happens once the file goes to Treasury.

• 60-day demand
• Offer in compromise
• Treasury offset

Formation, contracts, and the structural work that decides how much of a bad year reaches you personally.

• Entity formation
• Operating agreements
• Contracts

Disputes that have already reached a courtroom, or are about to.

• Breach of contract
• Collection defense
• Business disputes