We fight debt!

  • Benefit from years of bankruptcy and debt resolution experience
  • The Fresh Start or Chapter 7 Bankruptcy designed to eliminate debt
  • Chapter 13 and 11 to restructure and manage your debt
  • Receive a detailed analysis of your financial situation with solutions to consider
  • Select your debt resolution strategy and begin the process right away

Debt Lawsuit Defense

Debt Collector lawsuit defense.

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Chapter 7

A successful "Fresh Start" Chapter 7 stops most lawsuits and gets rid of most unsecured debt.

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Chapter 13

Manage all your debt at once. Follow a plan designed to eliminate debt and protect your property.

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We help you stop foreclosures

Manage your missed mortgage payments in or out of bankruptcy. Some second mortgages can be wiped out. Mortgage Modification solutions.

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Tax Debt Help

Tax relief through Chapter 7, 13, and A-Z IRS options.

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Small Business Help Bankruptcy

We guide you to become profitable. Chapter 11, 13, 7, and sub-chapter 5

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How it Works

Farmer Law PC is an accredited and licensed law firm authorized to practice Law in the State of Texas.

It’s now possible to benefit from virtual consultations and case preparation. You can avoid having to drive through traffic for your office appointments.

We developed a system that makes the process painless and safe. We conduct interviews and collect documents online. You sign electronically, and we bill you virtually.

All you need is a smartphone, a phone number, and an email account.

This is NOT to say that we a fully virtual law firm. We have several physical offices in Texas where you can come for your appointments; however, we have developed an online process that saves you time and travel time.


  • 1

    Call or Zoom your FREE consultation. Most times, it's immediate.

  • 2

    Tell us about your situation, and we will inform you about your relief options.

  • 3

    Retain us and use a payment plan if you need one.

  • 4

    We will prepare all your documents.

  • 5

    We will represent in your case from start to finish according to our attorney-client agreement.

Talk to an attorney

Call or book a virtual appointment from 8:30 AM to 8:00 PM on weekdays and until 3:00 PM on Saturdays.

  • Get your immediate consultation on Zoom or on the phone.
  • Avoid office visits, unless you want to visit us or it’s necessary.
  • We fill out all the forms for you and will represent you pursuant to our jointly signed Attorney-Client Agreement.
Zoom Appointment now or later

Virtual appointment now or later

Call (832) 844-5210 for a free consultation

Book a Zoom appointment now

Bankruptcy Questions answered in blog postings

Blog posts related to debt defense and bankruptcy in Texas

What are Bankruptcy Exemptions?

There is a set of laws that protects your property. If your property is exempt, it cannot be sold to benefit your creditors. Most Chapter 7 Bankruptcy Cases are considered "no-asset cases," meaning that the bankruptcy filers' assets and property are fully protected. Which set of Bankruptcy Exemption laws applies...

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Bankruptcy Code’s Automatic Stay

What is the Bankruptcy Code’s automatic stay? It’s a law that prohibits creditors from debt collection activities. The Bankruptcy code's automatic stay takes effect as soon as a bankruptcy case is filed; however, there are exceptions to its applicability. For example, suppose you have had two bankruptcy cases pending within...

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Reaffirmation Agreement

What is a reaffirmation agreement? In a Chapter 7 bankruptcy, you may want to pay an otherwise dischargeable debt, such as your car note. To do so, you request a reaffirmation agreement from your car creditor. The loan company may accept or deny your request. If they accept that you...

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Filing for Bankruptcy

Filing for Bankruptcy Filing for bankruptcy is a heavy decision. Before we get into what type of bankruptcy is the right one, what’s chapter 13 or chapter 7 bankruptcy and other technical questions, I’ll talk about some of the more common fears and misconceptions about bankruptcy. After having consulted thousands...

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How To Avoid filing for Bankruptcy

You may find it odd to be getting advice from a bankruptcy attorney on how to avoid filing for bankruptcy. To show my sincerity, I'll provide a list of things to consider. The following is distilled from thousands of scenarios I have encountered over the years assisting my clients. To...

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Chapter 7 Bankruptcy

What is Chapter 7 Bankruptcy? By now, you have probably read that your property will be auctioned off if you file for a Chapter 7 Bankruptcy. That sounds scary, but it’s simply not true in most Chapter 7 cases. Most personal Chapter 7 cases classify as “no asset” cases, which...

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Chapter 13 Bankruptcy

What is Chapter 13 Bankruptcy? You have probably read elsewhere that a Chapter 13 Bankruptcy is a repayment plan. That's true, but it is not the entire picture. Repayment does not mean paying all your creditors in full.  Depending on how debts are classified, some can be discharged while others...

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