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Learn More About Ciment Law Firm, PLLC
Daniel Ciment – Attorney and Owner of Ciment Law Firm, PLLC
With over 15 years of experience in bankruptcy, debt collection defense, and consumer protection, Daniel Ciment is a recognized consumer advocate and attorney throughout the state of Texas. Following his graduation from South Texas College of Law in 2003, Ciment opened a high volume debt collection law firm where he filed thousands of debt-collection lawsuits. From there, he became a partner at a Chicago consumer bankruptcy firm. Both his passion for protecting consumers’ rights and years of experience on both sides of the field put him in a great position to guide clients through a wide range of challenging and time-sensitive legal issues. Now settled in Katy, Texas, Daniel is the owner of Ciment Law Firm, where he strives to help each and every client take control of their financial lives and resolve the debt issues that are holding them back.
Paul Aronowitz – Attorney
Dennis Viveiros – Bankruptcy Paralegal
Dennis is a Senior Paralegal with over 15 years of experience working directly with Bankruptcy Attorneys helping people from all walks of life obtain Fresh Starts and Financial Freedom.
He sincerely enjoys the work he does in helping the people he meets become debt-free and the many lives he is able to personally touch. It is extremely rewarding when you know that you helped keep a family in their home today or were able to assist in getting a family back their vehicle.
Dennis was the Assistant Treasurer for the Houston Association of Bankruptcy Paralegals before relocating to Dallas, Texas to assist in opening bankruptcy offices in the Northern District.
He now happily resides back in Houston, (actually he lives in Katy now) and is excited to be part of the Ciment Law Firm team helping his neighbors again in Houston and the surrounding areas.
Tonya King – Paralegal
Tonya King has over 18 years of experience in debt resolution, civil litigation, and bankruptcy. She has a passion for helping people get through stressful situations, and always considers it a good day when she can provide positive news to a client about resolving their debt issues.
Christian Maciel – Intake Specialist
Christian is the Intake Specialist at Ciment Law Firm and helps Daniel and the rest of the staff handle new clients.
Michael Hampton – Receptionist and Legal Assistant
Why Choose The Ciment Law Firm, PLLC?
- Free Consultation – Find out which debt resolution option is best for you during a free consultation.
- Positively Reviewed – Our firm has numerous positive reviews on Google, Avvo, and other websites.
- Options for All Needs – From bankruptcy protection to judgment lien releases and student loan assistance, our firm provides ample options to resolve your debts.
- Experience on Both Sides of the Field – Daniel Ciment started his career at a debt collection law firm and now protects those in debt. His experience on both sides allows him to find solutions for his clients.
- Compassionate and Transparent – Patient and knowledgeable, the team is available to answer all questions and explain the process so that clients can reach their desired outcome.
- Six Office Locations – Schedule your appointment at an office in Katy,
Cloud Title On Homestead
You must have a clear title when refinancing or selling a home, which is why an abstract of judgment is problematic. The judgment lien creates a title defect or a cloud on the title. This means that there is an unresolved issue that must be addressed before making any real estate transactions. Title companies enforce the lien as a way to protect themselves in case the home isn’t eligible for homestead exemption because it’s not your primary residence. If a title company allows the transaction to proceed and the property isn’t your homestead, it has to pay the judgment. Fortunately, a Texas judgment lien release lawyer can remedy this issue.
Getting A Full Release
In some instances, you have to get a full judgment lien release. This completely releases the judgment, so it isn’t attached to you or your property. There are normally two options for obtaining a full release. First, you can pay the judgment in full. If you don’t have the means to do that, your Texas judgment lien release attorney might be able to negotiate a settlement. If the creditor accepts the settlement, you will receive a full release once it’s paid. Without taking action, the judgment will remain valid for 10 years. It’s important to contact a judgment lien release attorney to go over your options if you need a full release.
Proof Of Homestead
Judgment creditors often require proof of homestead before signing a partial lien release. Your Texas judgment lien release attorney will help you provide the necessary documents. You might need to submit an affidavit that states that the property is your homestead. The creditor also might require a tax certificate that proves you’ve filed for homestead exemption. In addition, the creditor might ask for affidavits from others that state that the property is your homestead, and you live there. In some cases, the creditor can even require the escrow agent to examine the property to ensure it’s your homestead. Due to the complexity of proving homestead, it’s a good idea to get help from a Texas judgment lien release attorney.