Thirteen thousand cases in, there is not much this office has not already seen: the garnishment, the frozen account, the daily debits, the letter from the SBA, the parent who died without a will. You get a straight answer about where you stand on the first call, free — including when the answer is that you do not need a lawyer.
Nothing here is a sales call. Bring the dates — the service date, the sale date, the 60-day letter — because those decide how much room you have left, and they are the first thing we will ask for.
Pick the line closest to your week and it goes straight to the page that answers it. No form, no gate.
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Merchant cash advances and defaulted SBA loans arrive with their own deadlines, their own paperwork and their own law. Both are usually solved before anybody files anything.
Finance Code chapter 398 stopped sales-based financing from hiding behind the account-purchase language on page one, made the fees interest for usury purposes, and voided confessions of judgment outright. There is no private right of action — enforcement belongs to the OCCC — and that matters less than it sounds, because it removed the defence that used to end the conversation.
Once it arrives you have a fixed window to respond, and what you file into that window decides whether the file settles with the lender, goes to the SBA, or ends up at Treasury with offset and administrative collection behind it. The forms are unforgiving and the financial disclosure is where most of these are won or lost.
Thirteen thousand filings is not a bragging number. It is the reason the first call is short: the pattern you are describing has come through this office before, and somebody here already knows which of the three likely endings you are heading for.
You find out what your options are before anybody talks about hiring us. A meaningful share of these calls end with a suggestion and no invoice, and that is a feature.
Almost every one of these cases is decided by a deadline somebody did not know was running — an answer date, a sale date, a 60-day letter. That is triaged on the first call, not the first meeting.
A guarantee, a lien and a garnishment do not respect the line between your company and your kitchen table. Both sides get mapped together or neither one gets solved.
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I've been with the Herrin Law Firm for 4yrs and they have been diligent, efficient and amazing advocates for me. Communication is stellar and the follow through and updates are consistent. I would highly recommend.
Ronnie — Google reviewMy experience with Herrin Law was outstanding. When I was experiencing a situation that needed an immediate solution, they came up with a plan, resolved the issue and relieved my stress. Great firm!
Alisa — Google reviewIf you have financial legal problems you need dealing with, it doesn't get any better than this law firm! Very professional and they really are interested in helping you achieve your goals!
Craig C. — Google reviewNothing. It runs about thirty minutes, it covers where you stand and what the realistic options are, and it does not create an attorney-client relationship. If you do not need a lawyer, we will tell you that instead of selling you something.
Yes. Emergency filings are routine here and the automatic stay takes effect on filing. What matters is how much time is left, so call with the date in front of you rather than waiting until you have gathered every document.
Usually not. Texas has some of the most generous exemptions in the country, including an unlimited homestead by value and a vehicle per licensed driver. What decides it is the equity, the liens and whether payments are current.
Often it is not. It is usually a contract and lien problem first — the reconciliation right, the UCC filing, the notices sent to your customers, and since 1 September 2025 whether Texas Finance Code chapter 398 reaches the agreement.
The office is in Dallas and we take cases throughout Texas, including the Northern, Eastern and Southern bankruptcy districts. Most of the work happens by phone, email and video wherever you are.
One call, thirty minutes, no charge and no obligation. You will leave it knowing which track you are on and what to do this week.
Not legal advice. Prefer a person? Call (469) 607-8552