Stop the Harassment. Start Fresh Today.
DFW’s Most Experienced Bankruptcy Law Firm – 10,000+ Fresh Starts Since 2015
Drowning in debt? Can’t sleep from creditor calls? We’ll stop collections TODAY and give you the fresh start you deserve through Chapter 7 or Chapter 13 bankruptcy.
AUTOMATIC STAY = Instant Protection
The moment we file, creditors MUST stop all collection activities by law.
Cases Filed
Debt Eliminated
Trials Completed
⚡ Emergency Filing Available: Facing foreclosure, repo, or wage garnishment? We can file TODAY to stop it.
BEFORE Bankruptcy
- ❌ Harassing creditor calls
- ❌ Wage garnishments
- ❌ Lawsuit threats
- ❌ Sleepless nights
- ❌ No hope for future
AFTER Fresh Start
- ✅ Zero creditor contact
- ✅ Keep your paycheck
- ✅ Lawsuits dismissed
- ✅ Peace of mind
- ✅ Rebuild your life
Free Bankruptcy Analysis Tools
Get instant answers with our comprehensive suite of bankruptcy calculators and assessment tools.
Check your eligibility, estimate costs, and plan your financial recovery – all for free.
✓ 9 Calculator Tools
✓ 100% Free
✓ Instant Results
✓ No Email Required
Chapter 7 Eligibility
Means test calculator
Debt Calculator
Total debt assessment
Exemption Analyzer
Asset protection check
What Happens the Moment We File Your Bankruptcy
Automatic Stay Activated
Federal law immediately protects you. All collection activities must stop instantly.
Creditors Notified
We notify creditors of your bankruptcy filing. They legally cannot contact you anymore.
You Sleep Peacefully
No more dreading the phone. No more harassment. Your fresh start has begun.
Which Bankruptcy is Right for You?
We’ll help you choose the best path to financial freedom – personal or business
Chapter 7 Bankruptcy
3-4 Months
Perfect For:
- ✓ Credit card debt
- ✓ Medical bills
- ✓ Personal loans
- ✓ Past due utilities
- ✓ Repossession deficiencies
You Keep:
- 🏠 Your home (Texas homestead)
- 🚗 Your vehicles ($50K each)
- 💰 Retirement accounts
- 💍 Personal property
- 🛠️ Work tools
Benefits:
• Wipe out debt in 3-4 months
• No payment plan required
• Keep all Texas exempt property
• Fastest path to fresh start
Chapter 13 Bankruptcy
3-5 Years
Perfect For:
- ✓ Saving home from foreclosure
- ✓ Catching up on car payments
- ✓ Paying priority debts
- ✓ Higher income earners
- ✓ Protecting non-exempt assets
Powerful Tools:
- 🏠 Stop foreclosure immediately
- 🚗 Reduce car loan balances
- 💳 Pay pennies on the dollar
- ⚖️ Strip second mortgages
- 🛡️ Protect all assets
Benefits:
• Keep ALL your property
• Affordable payment plan
• Reduce secured debts
• More powerful protections
Why Texas is the BEST State to File Bankruptcy
Texas exemptions protect more assets than almost any other state
Unlimited Homestead Protection
Your home is 100% protected regardless of value. Own a $2M home? It’s safe in bankruptcy.
Texas: UNLIMITED
Generous Vehicle Exemptions
Keep vehicles worth up to $50,000 per person. Married? That’s $100,000 in vehicles protected.
Texas: $50K per person
Retirement Fully Protected
401(k), IRA, pension – all retirement accounts are 100% exempt from creditors in Texas.
Keep building: Your future
Personal Property Shield
$50,000 per person ($100,000 married) in household goods, jewelry, clothes, and more.
Texas: $50K-$100K
10K+ Fresh Starts and Counting
Real clients, real relief, real fresh starts
Bankruptcy Myths vs. Texas Facts
Don’t let misinformation keep you from your fresh start
❌ MYTH: “I’ll lose everything”
The biggest fear and biggest lie about bankruptcy
✅ FACT: Texas protections keep your assets
Keep your home (unlimited value), vehicles (up to $50K each), retirement (all of it), and personal property. Our 10,000+ clients kept what mattered.
❌ MYTH: “My credit is ruined forever”
Another fear tactic used by creditors
✅ FACT: Credit rebounds faster than you think
Most clients qualify for car loans immediately, credit cards within 6 months, and mortgages within 2 years. Your credit is probably already damaged – bankruptcy lets you rebuild.
❌ MYTH: “Everyone will know”
Worried about public embarrassment?
✅ FACT: Bankruptcy is surprisingly private
No newspaper announcements. Your employer isn’t notified. Friends won’t know unless you tell them. It’s a legal process, not a scarlet letter.
❌ MYTH: “I make too much money”
Think high earners can’t file?
✅ FACT: Income doesn’t disqualify you
Chapter 13 has NO income limits. Even Chapter 7 considers your expenses and family size. We’ve helped clients making $150K+ get fresh starts.
Your Path to Financial Freedom
Simple, straightforward, and stress-free
Free Consultation
Call or meet with us to discuss your situation. We’ll explain all options and recommend the best path.
Today
Document Gathering
We’ll help you collect necessary documents. Our team makes this simple with clear checklists.
1-3 days
Filing Your Case
We file with the court. Automatic stay begins immediately. Creditors must stop all collection.
Same week
341 Meeting
Brief meeting with trustee (5-10 minutes). We prepare you completely and attend with you.
30 days
Fresh Start!
Chapter 7: Discharge in 60-90 days. Chapter 13: Payment plan begins, immediate protection continues.
60-90 days
Chapter 11 Subchapter V – Small Business Reorganization
Keep your business alive while restructuring debt
Perfect for Small Businesses With:
- ✓ Debt under $7.5 million
- ✓ Viable business operations
- ✓ Cash flow to support a plan
- ✓ Need to restructure leases/contracts
- ✓ Tax debt or vendor issues
Subchapter V Advantages:
- 🚀 Faster process (90-day plan deadline)
- 💰 No creditors’ committee
- 🏢 Owners keep equity
- 📋 Simplified requirements
- ⚡ Lower costs than traditional Chapter 11
How Subchapter V Works:
Day 1: Immediate Relief
Automatic stay protects business assets. Continue operations while restructuring.
Days 1-60: Status Conference
Meet with trustee to discuss reorganization plan and business viability.
Day 90: File Plan
Submit reorganization plan showing how debts will be paid over 3-5 years.
Day 120-150: Confirmation
Court approves plan. Business continues with new payment structure.
Save Your Business Today
Don’t let debt destroy what you’ve built. Chapter 11 Subchapter V gives small businesses a fighting chance.
Your Bankruptcy Questions Answered
Will I lose my house in bankruptcy?
NO! Texas has unlimited homestead protection. Whether you file Chapter 7 or 13, your home is protected regardless of its value. Chapter 13 can even stop foreclosure and help you catch up on missed payments.
Can bankruptcy stop wage garnishment?
YES! The moment we file, wage garnishments must stop immediately by federal law. You’ll get your full paycheck back starting with the very next pay period. We can even recover recent garnished funds.
What debts can bankruptcy eliminate?
Credit cards, medical bills, personal loans, past-due utilities, repo deficiencies, many old tax debts, and most lawsuit judgments. Student loans and recent taxes typically require special handling.
How fast can you stop creditor calls?
Immediately upon filing. It’s federal law – the automatic stay prohibits ALL collection contact. Creditors who violate this can be fined. Most clients report peaceful sleep the very first night.
Will my employer find out?
Generally NO. Employers are not notified when you file bankruptcy. The only exception is if you have a wage garnishment (which we’ll stop) or if they’re a creditor you owe money to.
Can I keep my car?
YES! Texas allows you to protect vehicles worth up to $50,000 per person. If you’re still making payments, Chapter 7 lets you keep the car if you stay current. Chapter 13 can even reduce what you owe!
Stop Suffering. Start Living. Get Your Fresh Start Today.
You don’t have to live with crushing debt, sleepless nights, and constant fear. Federal law gives you the right to a fresh start, and we’ll help you claim it.
Why Call Herrin Law Today:
- ✅ 10,000+ successful fresh starts
- ✅ Stop creditor harassment immediately
- ✅ Same-day emergency filings available
- ✅ Keep your home, cars, and dignity
- ✅ Chapter 7, 13, and 11 expertise
- ✅ Free consultation to explore all options
Take Action Now:
Call (469) 607-8552
Free Consultation
Download Bankruptcy Guide
Chapter 7 vs 13 Explained
⏰ Available: Monday-Friday 8:30am-5pm
“I waited too long because I was embarrassed. Don’t make my mistake. Herrin Law treated me with dignity and gave me my life back. I wish I’d called sooner.” – Jennifer S., Chapter 7 Client
Serving All of DFW from Our Dallas Office
Conveniently located for Dallas, Fort Worth, Plano, Richardson, Irving, and all surrounding areas
