Business Details
43 Years
experience
Experienced Bankruptcy Attorney in Waco & Killeen
At Erin B Shank PC, P.C., we have dedicated our practice exclusively to bankruptcy law for over 40 years, providing compassionate and expert legal guidance to individuals and families in Central Texas. Our firm was founded on the principle that everyone deserves a fresh start, and we work tirelessly to help clients navigate the complexities of debt relief through Chapter 7, Chapter 13, and alternative solutions. We prioritize client comfort by offering fully virtual services, allowing clients to complete their entire bankruptcy process from home, including consultations, document signing, and court appearances via Zoom. Our team has successfully secured over 400 home loan modifications and helped hundreds discharge IRS tax debt through strategic bankruptcy filings.We emphasize transparency, affordability, and personalized support, with flexible payment plans and a commitment to addressing every client's unique financial challenges. Our attorneys and paralegals bring decades of combined experience in resolving medical debt, military-related financial issues, and creditor harassment while maintaining strict adherence to ethical standards. We measure our success by the relief we provide to clients, as evidenced by testimonials highlighting our efficiency, professionalism, and empathetic approach to debt resolution.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Tax Debt Resolution
Home Loan Modification
IRS Levy Defense
Credit Counseling
Foreclosure Defense
Medical Debt Relief
Military Bankruptcy
Wage Garnishment
Details
- Year established: 1983
Highlights and features
- We practice exclusively in bankruptcy law with 40+ years of experience
- Our team has secured over 400 home loan modifications for clients
- We offer 100% virtual services for safety and convenience
- Flexible payment plans accommodate diverse financial situations
- Proven success discharging IRS tax debt through strategic filings
What people say
Efficient and effective
Truly cared about me
Fresh start achieved
Compassionate and professional
Saved tens of thousands
Services
Chapter 7 Bankruptcy
Chapter 7 Bankruptcy helps eliminate unsecured debts like credit cards and medical bills through asset liquidation. This option suits individuals with limited income who need complete debt discharge while retaining essential assets like homes and cars. Our firm evaluates eligibility based on means tests and creates strategic plans to protect client assets during proceedings.
Chapter 13 Bankruptcy
Chapter 13 Bankruptcy restructures debts into manageable repayment plans over 3-5 years. This solution benefits those with regular income who want to keep valuable assets while catching up on mortgage or tax arrears. We help clients develop feasible payment plans that satisfy court requirements while maintaining financial stability during the process.
Tax Debt Resolution
Our tax debt resolution service addresses back taxes through bankruptcy discharge or installment agreements. We collaborate with accountants to prepare necessary documentation and negotiate with the IRS on your behalf. This service helps stop wage garnishments and levy actions while creating sustainable solutions for resolving federal tax obligations.
Home Loan Modification
Home Loan Modification restructures mortgage terms to prevent foreclosure. We negotiate with lenders to reduce payments through interest rate adjustments or principal reductions. Our team has secured over 400 modifications, helping clients keep their homes without needing Chapter 13 bankruptcy protection.
IRS Levy Defense
IRS Levy Defense stops asset seizures for unpaid taxes through legal protections and negotiation strategies. We immediately halt active levies by establishing payment plans or proving financial hardship. This service includes representing clients during IRS audits and creating long-term solutions to resolve underlying tax debt issues.
People
Erin B Shank PC
Bankruptcy Attorney
With over 40 years of exclusive bankruptcy law experience, Erin B Shank PC has helped thousands of Texans resolve debt issues. She pioneered virtual bankruptcy services in 2020 and maintains a 98% client satisfaction rate through personalized, compassionate representation.
Melissa Ritchie
Paralegal
Melissa Ritchie brings 15 years of bankruptcy law expertise to client consultations, specializing in case preparation and creditor negotiations. Her attention to detail ensures accurate documentation and timely filings for all client cases.
Sharlyn Barrientos
Paralegal
Sharlyn Barrientos has supported bankruptcy clients for 8 years, focusing on tax debt resolution and mortgage modification cases. Clients consistently praise her responsiveness and ability to explain complex legal concepts in accessible terms.
Questions
What bankruptcy options are available for individuals?
We specialize in Chapter 7 liquidation and Chapter 13 reorganization, helping clients choose the best option based on income, debt type, and financial goals through personalized consultations.
Can tax debts be discharged through bankruptcy?
Yes, we've successfully helped hundreds discharge IRS debts through strategic bankruptcy filings, often working with accountants to optimize tax-related debt resolution.
How does your virtual service work?
Our 100% touch-free process includes Zoom consultations, electronic document signing, and virtual court appearances, ensuring safe and convenient debt resolution from your home.
What alternatives exist to filing bankruptcy?
We offer non-bankruptcy solutions like home loan modifications, debt negotiation, and budget restructuring while providing honest assessments of whether bankruptcy would be more beneficial.
How do you handle military-related debt issues?
We specialize in military bankruptcy cases, understanding unique challenges like Service Members Civil Relief Act protections and AAFES garnishment issues affecting active duty personnel.
Videos
Reviews (5)
Scott Walsh
Mar 24, 2014
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I consulted with 3 attorneys before Ms. Shank, all three insisted that I made too much money to file a Chapter 7 or that I had to wait about six months, unacceptable, Decided to try one more time. Walked into Ms. Shank's Office and they immediately said "Chapter 7, No Problem" She is right on point. Today, I got my Chapter 7, what a relief. Don't know where those other lawyers have been hiding.
EstradaWil
Aug 26, 2013
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Outstanding and very courteous staff. Very friendly and helpful. Staff was very helpful in going step by step with the process from the beginning to finish. They always kept you updated on your situations. Will definitely reference friends and family to them.
MohamedH
Feb 14, 2013
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I came in and was unsure of what could be done. So far, all of my expectations have been met and exceeded. My wife and I are amazed and very pleased with our service and experience!
LindaBT
Feb 04, 2013
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From the moment we walked thru your doors we were treated with the utmost respect, friendliest people, made us feel comfortable & not looked down on. We were embarrassed & humiliated to find ourselves in such financial distress & your firm pull us at ease. Each one of you were wonderful! You left us our dignity. Thank You!
JudyR
Jan 24, 2013
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Erin Shank is a wonderful attorney. She has brought me from being in deep financial trouble to being in a position to regroup and establish my life a positive way. I believe my life will be better because of Erin Shank and I will be able to move on with my life in a positive way.
