Sims Bankruptcy Law, PLLC

Sims Bankruptcy Law, PLLC Sims Bankruptcy Law, PLLC is North and Central Texas law firm helping individuals, families, and businesses through tough financial times.

Stop the worry about debt. Bankruptcy is an effective solution for Texas residents to gain a fresh start. At Sims Bankruptcy Law, PLLC we understand that hard working Texans can often get behind on their bills. We've dedicated our careers to give people just like you the fresh start they deserve. Call today to arrange a free confidential consultation and learn how you might be able to use bankruptcy to stop the debt collectors today!

Being self-employed does not prevent you from filing for bankruptcy. In fact, many freelancers, independent contractors,...
05/27/2026

Being self-employed does not prevent you from filing for bankruptcy. In fact, many freelancers, independent contractors, and small business owners file for bankruptcy when debt becomes overwhelming. The process may be more complex than for traditional employees, however, because the court will require detailed proof of income, expenses, and business finances. ⚖️

Self-employed individuals may qualify for either Chapter 7 or Chapter 13 bankruptcy depending on their income, debt level, and financial situation. Instead of W-2 forms, you may need to provide tax returns, bank statements, profit-and-loss reports, invoices, and other financial records to verify your earnings. Some business owners may also be able to continue operating their business during the bankruptcy process.

Learn more here:
https://simsbankruptcy.com/can-i-file-bankruptcy-if-im-self-employed/

Filing for bankruptcy often comes with many questions—especially about what creditors are allowed to ask during the proc...
05/21/2026

Filing for bankruptcy often comes with many questions—especially about what creditors are allowed to ask during the process. In many cases, questions may focus on your income, assets, debts, recent financial transactions, spending habits, and overall financial situation. Being honest, organized, and prepared can make the bankruptcy process smoother and help avoid unnecessary complications.

Understanding what to expect before filing can help reduce stress and give you a clearer picture of how the process works from start to finish.

Learn more here:
https://simsbankruptcy.com/what-can-creditors-ask-me-when-i-file-bankruptcy/

Filing for bankruptcy in Texas doesn’t always mean losing everything. ⚖️ Understanding which property is exempt can help...
05/13/2026

Filing for bankruptcy in Texas doesn’t always mean losing everything. ⚖️ Understanding which property is exempt can help you protect important assets like your home, vehicle, personal belongings, and retirement accounts during the bankruptcy process.

Learn more about Texas bankruptcy exemptions and how they may apply to your situation:
https://simsbankruptcy.com/what-property-is-exempt-in-a-texas-bankruptcy/

Facing foreclosure in Texas can feel overwhelming—but you may still have time to act.Filing for bankruptcy before the fo...
05/06/2026

Facing foreclosure in Texas can feel overwhelming—but you may still have time to act.
Filing for bankruptcy before the foreclosure sale can immediately pause the process through what’s called an automatic stay, giving you a critical window to explore your options and protect your home.

But timing is everything. Waiting too long—especially after the sale date—can limit what you’re able to do. Understanding your options early can make all the difference in how your situation turns out.

If you’re at risk of losing your home, don’t wait—taking action now could help you regain control of your financial future.

Learn more: https://simsbankruptcy.com/stop-an-impending-home-foreclosure-in-texas/

Foreclosure doesn’t just happen overnight—it’s often the result of multiple financial challenges building up over time.F...
04/30/2026

Foreclosure doesn’t just happen overnight—it’s often the result of multiple financial challenges building up over time.

From job loss and rising medical expenses to overwhelming debt and poor financial planning, many homeowners find themselves struggling to keep up with mortgage payments. Even major life changes like divorce or unexpected events like natural disasters can push finances to the breaking point.

Understanding these common causes can help you take proactive steps, protect your home, and stay financially prepared—no matter what life throws your way.

👉 Learn more: https://simsbankruptcy.com/the-leading-causes-behind-homeowners-foreclosures/

Understanding bankruptcy income limits can feel overwhelming—but this guide breaks it down clearly so you know where you...
04/23/2026

Understanding bankruptcy income limits can feel overwhelming—but this guide breaks it down clearly so you know where you stand. In Texas, qualifying for Chapter 7 depends on how your income compares to the state median for your household size. If you're below that threshold, you may qualify for a fresh financial start. If not, there are still options to explore based on your expenses and situation.

Take control of your financial future and learn how the means test works, what the current income limits are, and what steps you can take next.

Learn more: https://simsbankruptcy.com/what-is-the-income-limit-for-bankruptcy-in-texas/

Sims Bankruptcy Law, PLLC is a North Texas and Central Texas law firm helping individuals, families, and businesses thro...
04/16/2026

Sims Bankruptcy Law, PLLC is a North Texas and Central Texas law firm helping individuals, families, and businesses through tough financial times in Waco, Killeen, Fort Worth, Frisco, and the surrounding areas.

Whether this is your first time filing bankruptcy or you’ve failed in the past, you will receive a thorough free consultation and receive answers to all the questions you may have. We pride ourselves on being exceptionally responsive to you during this financial struggle. If you have suffered a result of COVID-19 employment shutdown, a personal injury, or even a divorce, a bankruptcy filing may be able to help you.

Not sure if credit counseling and bankruptcy are the same? They’re closely connected—but they serve very different purpo...
04/08/2026

Not sure if credit counseling and bankruptcy are the same? They’re closely connected—but they serve very different purposes.

Credit counseling is often a required step before filing for bankruptcy, helping you review your financial situation and explore possible alternatives. Bankruptcy, on the other hand, is a legal process designed to provide relief when debts become unmanageable. Understanding how each works can help you make informed decisions and avoid unnecessary setbacks.

Choosing the right path starts with knowing your options—and having the right guidance along the way can make all the difference.

👉 Read more here: https://simsbankruptcy.com/is-credit-counseling-the-same-as-bankruptcy/

Struggling to keep your business afloat? Bankruptcy might not be the end—it could be your reset. ⚖️Filing for business b...
04/02/2026

Struggling to keep your business afloat? Bankruptcy might not be the end—it could be your reset. ⚖️

Filing for business bankruptcy can give you time to reorganize, pause overwhelming collection efforts, and create a plan to move forward. In some cases, it even allows you to renegotiate contracts or restructure debt into more manageable payments.

For many business owners, it’s a chance to stabilize operations, reduce financial pressure, and rebuild with a stronger foundation.

Learn how bankruptcy can help your business recover 👇
🔗 https://simsbankruptcy.com/what-are-the-benefits-of-business-bankruptcy/

Bankruptcy gives you a fresh start — but staying debt-free requires new habits and smarter financial decisions.Focus on ...
03/25/2026

Bankruptcy gives you a fresh start — but staying debt-free requires new habits and smarter financial decisions.

Focus on living within your means, building an emergency fund, and making every payment on time. Even small steps, like budgeting and limiting credit use, can help you avoid falling back into debt.

Consistency is key — because long-term financial stability isn’t about one big change, it’s about the habits you build every day.

Learn more:
https://simsbankruptcy.com/how-to-avoid-falling-back-into-debt-after-bankruptcy/

Address

600 Austin Avenue, Suite 23
Waco, TX
76701

Opening Hours

Monday 8am - 6:30pm
Tuesday 8am - 6:30pm
Wednesday 8am - 6:30pm
Thursday 8am - 6:30pm
Friday 8am - 6:30pm
Saturday 9am - 12pm

Telephone

+14697517467

Website

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