We fight your debt!

  • We defend you in debt collector lawsuits
  • Chapter 7 the "Fresh Start" bankruptcy
  • Chapter 13 and 11 to restructure and manage your debt
  • Foreclosure prevention and Mortgage loan modifications to manage missed mortgage payments
  • Tax Debt Help through Chapter 13, and IRS negotiation
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Debt Lawsuit Defense

We affordably fight for you. 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 physical offices in Austin and Houston where you can come for your appointments; however, we do what we can to keep you safe, save you time, and reduce your stress.

Taking care of our clients virtually is made possible by the temporary COVID rules. Our process is always subject to change to remain fully compliant with the rules of the State Bar of Texas, U.S. Bankruptcy Code, U.S. Bankruptcy Rules, Local Rules, and the local practice.

  • 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 an immediate consultation

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Bankruptcy Questions answered in blog postings

Blog posts related to debt defense and bankruptcy in Texas

What are Bankruptcy Exemptions?

They are a set of laws that protect 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," which means that the bankruptcy filers' assets and property are fully protected. Which set of Bankruptcy Exemption laws...

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Automatic Stay

What is the Bankruptcy Code’s automatic stay? It’s a law that prohibits creditors from debt collection activities. The 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 a year....

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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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How To Avoid 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 Bankruptcy cases classify as “no asset” cases,...

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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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