How to Stop Robocalls

With texting and email services that can be used anywhere with a smartphone and an internet connection, there are fewer legitimate phone calls than there used to be. In fact, you might receive more bogus calls on your cell phone than actual people you know. A call that shows up as coming from another state or country might be an obvious telemarketer, scammer, or robocaller, but technology has allowed bad actors to Read More

How the Texas Homestead Exemption Works

People who are considering filing for bankruptcy are worried and overwhelmed about so many things: the hit on their credit score, having to give up certain assets, and even personal feelings of failure. One of the first things we impress on our prospective clients is that bankruptcy is not a dirty word or unspeakable tragedy. Also, many of the horror stories you’ve heard about bankruptcy are almost certainly false. Read More

3 Ways to Deal with Student Loans in Default

If you want to gauge the impact of the student loan crisis, there are several figures you can look at. You could consider the 69 percent of 2019 college graduates who have one or more student loans, the 43 million Americans over the age of 18 who are burdened with this type of debt, or the $1.5 trillion currently owed to the government. Individually, borrowers often have trouble paying back student loans the way Read More

Disputing Errors on Your Credit Report

You already understand how important your credit score is to your financial (and personal) wellbeing. Your credit affects your ability to receive a mortgage or auto loan, credit card, or certain insurance policies. If you have previously filed for bankruptcy, you know how hard you’ve worked for years to build that figure back up. For all of those reasons, it can be extremely frustrating when you notice an error on Read More

How Does the Telephone Consumer Protection Act Serve You?

When you receive a phone call in the 21st century, most every phone (including landlines) has a feature where you can see the number that has dialed you, in addition to the relative location of the caller. It’s hard to imagine a time where this wasn’t the case, but it was just a few decades ago. In the second half of the 20th century, unwanted telemarketing was a huge source of frustration for many households. It Read More

You Have Options! 8 Ways You Can Repay Your Federal Student Loans

One in three adults living in the U.S. today has some type of outstanding student loan debt, with the average amount per debtor hovering around $30,000. If you are one of those three, you know what a heavy weight it can be around your shoulders, especially when trying to purchase a home or start a family. Paying off every cent now may seem insurmountable, but remember the old saying – the journey of a thousand miles Read More

4 Examples of Illegal Debt Collection Practices

The federal law protecting debtors, Fair Debt Collection Practices Act (FDCPA), places many restrictions on the actions of debt collection agencies. The law’s restrictions generally do not apply to original creditors.  Without this and various state laws regulating the practices of debt collectors, they might have no second thoughts about resorting to extreme measures for the purpose of collecting debt. Read More

6 Possible Defenses in a Debt Collection Lawsuit

Being sued by one of your creditors or a debt collection agency can have you feeling stressed and overmatched, especially if you know you owe the debt in question. There are always defenses you may raise at your court hearing, though. This blog lays out six common defenses to a collection lawsuit that may prove useful in your case. Insufficient documentation of your debt. The documentation (or lack thereof) that a Read More

Judgment Liens Simplified

In many judgments for civil cases, the party ordered to pay money does not have the means to immediately pay the ordered amount. So, what might the judgment creditor do to ensure the judgment debtor pays the money? One option the creditor might choose to utilize is a judgment lien.  What is a Judgment Lien? A lien (of which there are many types) is a legal instrument that can be applied to property to help Read More

3 Possible Defenses for Debt Litigation

Unfortunately, there may come a time when your creditors decide court is the only option left for them to collect your debt. Even if you have been paying off some of your outstanding balance, the creditor might decide to show you no mercy. To begin the process, you will be served with a summons notifying you of the lawsuit and when you are obligated to appear in court, similar to most other civil matters. The Read More