Killeen Bankruptcy Law Firm
If you are ready to deal with your crushing debt, you need an experienced attorney in your corner. You need someone who understands what you are going through. You need someone who can advise you on your best options for moving forward.
You need Killeen bankruptcy attorney Erin B. Shank.
Attorney Erin B. Shank has practiced exclusively bankruptcy law in Texas for almost 40 years. She has counseled thousands of Texans on bankruptcy, and the specific bankruptcy issues regarding military members (active duty and veterans) who file bankruptcy, need a home loan modification, require IRS tax resolution, and many other debt relief options.
Erin’s family, including her father, her father-in-law, and her husband, are veterans. Erin has tremendous respect for those who have served our country and has spent time studying special aspects of the law that are specifically tailored to help members of the military (both active duty and retired) address their financial troubles. If you are considering filing bankruptcy in the Killeen/Fort Hood/Central Texas area, contact Erin B. Shank today.
Erin and her team are dedicated to your safety and convenience. Erin offers a 100% contact-free practice. Erin uses electronic document gathering, digital signatures, e-filing and many other new technologies that allow your case to be prepared and filed in a touch free environment. You can work with Erin safely, from your free initial consultation to your ultimate bankruptcy discharge, without ever leaving the comfort and convenience of your own home.
If you are considering filing a bankruptcy case, are behind on your home loan and facing foreclosure, owe the IRS money or need any other type of debt relief, contact attorney Erin B. Shank for a free virtual initial consultation. Contact the Killeen office online or call us today.
Our Practice Areas in Killeen
For nearly 40 years, attorney Erin B. Shank has helped Texas residents find solutions to their debt. Erin practices in these legal areas:
- Bankruptcy – Bankruptcy is a powerful tool to legally resolve debts. If you are considering bankruptcy, attorney Erin B. Shank has decades of experience helping people move through bankruptcy to a bright financial future. She can handle your bankruptcy from start to finish – all from the comfort of your own home. Erin works very hard to put all of her clients in a Chapter 7 bankruptcy. In Chapter 7 bankruptcy cases, there is no wage garnishment and you are discharged from your debts in about three months after your case is filed.
- Home Loan Modification – If you are behind on your home, you may think that Chapter 13 is your only option. When you file a Chapter 13 bankruptcy, you are in an active bankruptcy case for three to five years, your wages are garnished and your entire income tax refunds are garnished. Erin therefore rarely files Chapter 13 cases. She believes that negotiating a home loan modification, sometimes in connection with a Chapter 7 case, is a better way to retain your home and discharge your unsecured debt. If you have been told that Chapter 13 is the only way to save your home, please schedule a free initial consultation with our office and let us explain another alternative.
- Medical Debts & Disabilities – Medical debts are dischargeable when you file a Chapter 7 bankruptcy. If you are receiving Social Security Disability or VA Disability, that income is not considered in determining whether you qualify for a Chapter 7 bankruptcy. Other options may also be available to help you take care of your debt. Erin and her legal team can discuss your situation and advise you on the best path forward.
- Bankruptcy and Lawsuits – If you have been served with a lawsuit filed by a creditor to collect delinquent debt, filing a bankruptcy case will allow you to stop that lawsuit and discharge that debt. If that creditor has placed a lien impairing the title to your home, Erin will obtain a Court Order from the Bankruptcy Court removing that lien.
- Tax Debt – Erin and her team work with the IRS to help those in debt overcome their tax burdens. Many people believe that tax debt is not dischargeable in a bankruptcy case. That is not true. Personal income taxes are dischargeable if those taxes were due more than three years ago and other requirements are met. Erin help clients meet those requirements and discharge debt owed to the IRS. She also works closely with a Certified Public Accountant who helps clients with delinquent returns and other accounting needs.
- Chapter 13 Bankruptcy – Erin has filed many Chapter 13 bankruptcy cases in her career which spans almost 40 years. However, since Chapter 13 includes a five year wage garnishment and the loss of all income tax refunds for five years, she prefers to explore all other alternatives, including relying on non-bankruptcy state law remedies, to address financial problems. Erin uses Chapter 13 as a last resort. If someone has told you that Chapter 13 is your only option, please see us for a second opinion.
About the Killeen Office
Erin opened the Killeen office in 2005 because she wanted to give back to the service members and community of Killeen and Fort Hood. Located in the One Killeen Center office building, her office serves Fort Hood, Killeen, Temple, and Central Texas. The Killeen office is only a few miles from Fort Hood and is easily accessible for military members and their families.
Our Killeen office has recently moved from Suite 107 to Suite 106B in the One Killeen Center Building. Since our practice is completely virtual due to COVID-19, that office is available for individuals to drop off documents if they are unable to email, scan or fax those documents. Our Killeen office is fully functional, and we are available to begin seeing clients there again as soon as this Global Pandemic is behind us.
Directions to Our Killeen Office
- From the North, the easiest way is to take TX-36 S, get on I-35 S for approximately 3 miles outside of Temple, then I-14/US-190 W to East Central Texas Expressway in Killeen. Finally, take the W.S. Young exit and continue on the access road until just past W.S Young Dr. The office will be on the right.
- From the East, take I-14/US-190 W to East Central Texas Expressway. Take the W.S. Young exit and continue on the access road until just past W.S Young Dr. The office will be on the right.
- From the South, take TX-195 W to Killeen. Turn right on Elms Road and follow it for approximately 2 miles. Then take a left on W.S. Young Drive and follow that for a mile. Turn left on East Central Texas Expressway for 1/5 of a mile then turn right to arrive at the office.
- From the West, follow I-14 to East Central Texas Expressway in Killeen. Take exit 285 from I-14 then use the turn lanes on W.S. Young Drive to make a U-turn. The office will be on the right.
Get in Touch with Our Killeen Office Now
If you are considering bankruptcy, facing foreclosure on your home or want advice on other debt-relief options, contact Erin B. Shank today. Erin has nearly 40 years of experience helping people in Central Texas face their debt head-on.
Erin offers a 100% virtual practice. That means everything can be handled from the safety of your own home. You never need to have a face-to-face meeting. To schedule your free virtual initial consultation, contact Erin online or call her office today.