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Consumer Beware! 7 Illegal Debt Collection Practices
(And How You Can Fight Back)

Texans have rights and we love

Texans have rights and we love to sue
debt collectors that violate the law

If you are being sued for a debt, receiving phone calls from collectors, “final notice” bills, and late payment notifications have taken over your life, it’s time to consider a legal solution to once and for all resolve your debt. At Ciment Law Firm, our goal is to help our clients resolve their unpaid debts, protecting their rights in the process and then help them rebuild their credit so that they can move forward with their lives. Our unique and proven three-step process offers an easy-to-follow plan to resolve your debts and get back on the path to financial wellness. Everything we do at Ciment Law Firm, is designed to help you move through these three steps.

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Success Stories

Success Stories

Fight The Good Fight
Mr. Ciment has been extremely helpful and keeps strict communication with me in regards to my cases. Even when I think he is not in my corner, he reassures me that he is continuously on my side. When no one else is willing to help or disregards you as a person, Daniel Ciment does the opposite.
Anonymous
Excellent Firm
We hired Daniel and his firm to represent us in a student loan case. From the first moment we contacted them, they were extremely professional and accommodating. Worked with us upfront and thoroughly explained their fees. Always kept us abreast of deadlines and was very transparent about the process. When the staff didn’t know an answer, they were very quick and willing to contact attorney or have Daniel call himself. Honest even when the info wasn’t flattering. I thoroughly enjoyed working with this firm. Hope to never need their services again but if I do, will not hesitate to call them.
Anonymous
Exceeded Expectations
I have to say getting a lawyer is not something I enjoyed having to do. Nonetheless, Mr. Joseph was very effective and his help led to a swift dismissal of the lawsuit filed against me. If ever I need a lawyer again, he would be the first and only person I would call on.
Catherina
BOA, Lawsuit Dismissed
A lawsuit against me was dropped by BOA, this action was brought about by the actions taken by Daniel Joseph Ciment, of the law firm Heston/ Ciment. I am very pleased by the outcome of the case, and the services provided by Mr. Ciment and his staff. I highly recommend this law firm and Mr. Ciment for the outstanding work that they have provided to render the outcome of this case in a positive manner.
James
Mediation – Settlement Agreement
I hired Mr. Ciment’s firm to assist me with a lawsuit from one of my vendors. I was concerned about a judgment being filed and impacting by business and credit standing. I wanted to pay the vendor but ran into a little snag with finances. After hiring his firm their process was extremely smooth and efficient leading up to the actual mediation. At mediation, Mr. Ciment himself showed up and assisted me throughout the proceeding. We were able to negotiate a settlement I believe was fair and more importantly, would keep a judgment from being filed so long as I adhered to the settlement agreement. I was very pleased with the outcome and Mr. Ciment’s services.
Rob
Outstanding Law Firm
Attorney Ciment helped us win a case against a collection agency. Moreover was able to get the original student loan debt dismissed. This firm is extremely professional, competent and thorough. Attorney Ciment personally kept us abreast of the case and was very attentive. I am extremely grateful for his help! I highly recommend this law office.
Anonymous
Debt Collection Lawsuit Dismissed At A Great Price
Mr. Ciment helped me get a debt collection lawsuit dismissed at a great price. At first, I was skeptical due to me living in El Paso, TX and his main office being n Katy, TX but I still decided to hire him. I am very glad I did because thanks to him I saved a lot of money. He was very professional at all times and would always answer my text messages and emails fast regarding all the questions I had. I didn’t even have to show up to court because he did it for me! All the paperwork was done via email which was very convenient for me because I could sign and send everything from home without having to travel anywhere and at any time when I left work. The whole process took approximately 1.5 months and I was able to pay with a payment plan. I strongly recommend him to help you with your lawsuit, you will not regret it!
Edgar Bustamante
Daniel And His Team Worked Hard For Me
I would definitely recommend the Ciment Law Firm to anyone needing representation for a debt settlement. I was being sued by a debt buyer and Daniel and his team worked hard for me and was able to get my lawsuit dismissed. Anytime I had questions regarding me case I was able to contact Daniel’s paralegal and she was quick to respond and extremely helpful. I am beyond grateful I found this law firm.
Shaniqua Robles
Availability
Always there to answer questions I may have about my case. Yes, would recommend in the future.
Anonymous
Excellent Lawyer
First of all, I just want to say that I highly recommend Mr. Ciment. Not only they are very good at what they do but they have the passion to help people in need. I was hesitant the first time I saw them on the internet but when I talked to them they gave me that peace of mind that they will do whatever they can to make things ok. Of course, there is no guarantee but I can honestly say that they had my best interest in mind. They are willing to work with you and give you the best option available to help you out. Again I just want to say thanks to Mr. Ciment and for those that are thinking about hiring them please give them a chance because you will not regret it.
Alvin
Attorney Review
Mr. Ciment has assisted me on several matters with positive results.
Anonymous
Creditors Kryptonite
I was being harassed by NCO ( Collegiate Trust) and owed about $59,000. I originally borrowed $30,000 and just like anyone did not know how the light at the end of the tunnel would turn out. I did not understand what was going on when NCO called and threaten to garnish my wages as well as demanding my bank account number. Instead of getting a lawyer then, I ended up paying $500 for the first month, which I could not keep affording. When my wife found out, she gave me some powerful advice. She told me to get lawyers and change your bank account number. I did that exactly and then calls came back, but this time I distant answer. They left messages telling me they would garnish and then they wanted my co-signer, who is my sister info so they can threaten her. My wife found Heston Ciment and said these guys when more than 90% of cases like yours. When I met with Daniel Ciment, he informed me that only through courts they can garnish you and when they sue, let us know and we will handle it. I can say they handle it and took the pressure off of me. If they were not on my side, NCO would be in me and my sister pockets. Now understand this, even though I owed 59,000, the interest rate on top was so high, that by the time I paid them off, it would have been around $1…
Patrick
Outstanding Representation & Professionalism
I was extremely satisfied with the manner in which my case was represented by Heston-Ciment. I was kept informed by my attorney, and the case was resolved with very little impact on my day-to-day.
Anonymous
Best Experience!
I would definitely recommend Daniel as an attorney. He was really attentive to all my needs and really owned the situation. He was careful to explain all my options and really answered all my questions thoroughly. He won my case for me but even if he hadn’t the care and attention he showed would definitely bring me back when his services are needed. Look no further for a great attorney.
Adrian
Mr. Ciment
Even though my initial case was not won in court the exemplary manner in which my case was handled was A -Superior!
The company that was trying to sue us was told we were a hardship case … My husband who was the primary wage earner for years with an excellent job suffered a heart attack and two heart surgeries and ended up having to file for total disability with social security disability. I myself, have been off work on FMLA medical leave due to some major medical issues. My income was reduced to 60 percent being out on medical leave for 6-7 months – barely able to pay the rent each month. Despite all this the company suing …pressed forward -not sure why ….as we are a hardship case -a REAL hardship case for sure! Mr. Ciment and his legal staff have been the BEST with handling our case despite all our difficulties over the past 3-4 years. We are retaining him for our appeal and feel confident that we will win based on our case. Kudos to the entire staff at this firm – and ESP Ms. Tosha Steadman the paralegal you ROCK!
Kathy Hunter
Responsive and Quick
I was very pleased and satisfied on how quickly the lawyer handled the case for me. I didn’t even have to show up in court and I am very grateful and thankful to have met such a decent lawyer.
Anonymous
Stellar Service
Daniel was knowledgeable, professional, and kept me informed throughout the entire process. I will definitely return to him for all of my legal needs.
Michael
I Had A Remarkable and Excellent Experience With Attorney Mr. Daniel Ciment
A few months ago I had to deal with an unfortunate and unjustifiable lawsuit from a creditor, I was blindsided and in shock, I contacted a few places and met with a few attorneys which was a frightening experience and none were positive & hopeful, they recommended bankruptcy which I was totally against. I got a letter and flyer from Mr. Ciment’s law firm that they could help me that was what I had hoped for, someone that knows the case and experienced to handle that. From day one I was treated professionally and very fair, all done over the phone and email and set up a payment plan too. I had a case manager and had excellent communications with the, kept up to date and I could check the updates & events on the website too. I’m pleased to say that we won the case, it was a relief and a nice ending to a bad, unfair and unpleasant event. Finding him and his law firm was a blessing and an answer to my prayers. Best experience and excellent result. Anyone needs an attorney I highly recommend Mr. Daniel Ciment.
Kris
Superior Attorney
Daniel is a superior attorney. From our first meeting through all communications to the end of the process, he was extremely professional. He never hesitated to explain the process and what was happening. He never once talked down to me or over my head. He explained everything at a level appropriate for a non-legal professional. With the exception of the initial meeting, everything was handled either electronically or via phone calls. This prevented me from having to travel 1.5 hours to see him. He was able to handle 2 cases for our family within a matter of months. One case was resolved within days of meeting him. I would highly recommend.
Allen Baragar
Excellent Service and Results
Mr. Ciment was a true professional, after our initial meeting he kept me informed of the process and the steps that he was taking in order to get the results we were looking for. At the end he got the lawsuit dismissed and his work was excellent, he provided me with information and options throughout the entire process and I appreciated his letters with information I needed to have. I recommend his services to anyone who has a pending matter about financial issues.
Anonymous
Unexpected Surprise
So glad I contacted Mr. Ciment and his staff regarding my situation. Attorneys and all staff members at this firm are very friendly and knowledgeable. All proceedings and fees are explained with great detail and the staff responds to emails quickly.
Craig
Good Experience
I met with Daniel Ciment at one appointment and he explained everything I needed to know about the handling of my lawsuit and he answered all of my questions. He reached a settlement agreement with the plaintiff within four hours that was a very low amount for me to pay. I am very pleased with his knowledge of this area of the law and the professionalism with which he took care of my situation.
Anonymous
Civil Lawsuit Creditor vs Joe Citizen
I was solicited via a letter from Daniel Ciment secondary to a civil credit card debit case was which was brought against me in county court by a creditor who purchased my bad debit. I was so reluctant to respond to what some might consider a “junk mail solicitation”. But I had nothing to lose and I responded to Daniels office in July of 2011. It was then explained to me that the laws for credit debit and creditors purchasing the debit allow for citizens to level the playing fields and have the law on your side. But you have to take the chance and fight back which I did. When I could not come to terms in negotiating my debit with the collection agency Midland Funding. I decide to pay Daniels office a reasonable amount to fight two different cases between July 2011 and March 2012. This is what the collection agency doesn’t count on. Collection agency’s work under the umbrella that Joe Citizen doesn’t know what rights under civil law they are afforded. In my first case, I owed $4500 and paid Daniels office $750 to fight the case. My case was won and dropped from county civil court w/i 30days of the calendar trial. Daniel proved the case against the shady practices of the collection agency. In my second case, we owed $10k and paid $1000 to Dani…
Anonymous

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Our Address

Main office

24275 Katy Freeway,
Suite 400,
Katy, TX 77494

By Appointment Only

Dallas Office
5050 Quorum Dr.,
Suite 700,
Dallas, TX 75254
San Antonio Office
401 East Sonterra Blvd.,
Suite 375,
San Antonio, TX 78258
Austin Office
106 E. Sixth St.,
Suite 900,
Austin, TX 78701
El Paso Office
221 N. Kansas St.,
Suite 700,
El Paso, TX 79901