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5 Common Fair Credit Reporting Act Violations by Debt Collectors: What You Need to Know Before Suing
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5 Common Fair Credit Reporting Act Violations by Debt Collectors: What You Need to Know Before Suing

Regardless of whether they are intentional, Fair Credit Reporting Act violations represent serious threats to your credit and your future. Various entities make decisions that affect your pursuits and endeavors based on privileged information that only specified people and institutions are authorized to use in particular ways. The Debt Defenders at Ciment Law Firm help

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How to Sue Debt Collectors for FDCPA Violations in Texas
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How to Sue Debt Collectors for FDCPA Violations in Texas

The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers against abusive or harassing third-party debt collectors. Here, we will explain how to sue debt collectors for FDCPA violations in Texas. At Ciment Law Firm, PLLC, THE Debt Defenders, we provide our clients with debt resolution strategies that allow them to

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Student Loan Assistance in Texas: Other Repayment Programs That Might Be Right for You
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Student Loan Assistance in Texas: Other Repayment Programs That Might Be Right for You

This is the third installment of a three-part series highlighting student loan repayment programs. In this article, debt resolution attorney and owner of Ciment Law Firm, PLLC, THE Debt Defenders, Daniel Ciment, will address student loan repayment plans pertaining to workers in career categories including nurses, teachers, and healthcare faculty. We help our clients in

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Student Loan Assistance in Texas: How Do I Know if PAYE Is the Right Option for Me?
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Student Loan Assistance in Texas: How Do I Know if PAYE Is the Right Option for Me?

Are you struggling to pay back your student loans? You’re not alone. Forty-eight million Americans have federal student loan debt totaling $1.6 trillion. The good news is that student loan assistance options make paying back your loan more affordable. The PAYE repayment plan can drastically reduce monthly payments for eligible borrowers, and some participants can

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Is an Income-Contingent Repayment Plan Right for Your Student Loans? A Texas Debt Resolution Attorney Explains
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Is an Income-Contingent Repayment Plan Right for Your Student Loans? A Texas Debt Resolution Attorney Explains

The COVID-19 pandemic offered a generous reprieve from student loan repayments. However, payments are set to resume on January 1, 2023. Creating a strategy for repayment now is essential to ensure that your student loans do not financially burden you too severely. In this first segment of our multi-part Student Loan Repayment Plan blog series,

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What You Need to Know about Student Loan Discharges in Texas
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What You Need to Know about Student Loan Discharges in Texas

Student loan repayment plans have many borrowers struggling to meet monthly payments and other living expenses. According to the National Consumer Law Center, 63% of Navient borrowers in Income-Driven Repayment Plans (IDR) can’t pay back a single dollar on their principal balance. Many borrowers also wonder what steps they should take following the Biden-Harris Administration’s

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Bankruptcy Tactics You Should Know About in Texas
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Bankruptcy Tactics You Should Know About in Texas

Are you drowning in debt and dealing with harassment from creditors every night during dinner? If so, we understand that the prospect of filing for bankruptcy can seem like the best way to get a fresh start. Depending on the type of bankruptcy you file in Texas, your debt may be forgiven, and you might

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7 Student Loan Forgiveness Programs Every Texan Should Know About
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7 Student Loan Forgiveness Programs Every Texan Should Know About

Pursuing higher education is an excellent way for Texans to invest in their future. A degree can pave the way for better work opportunities, but paying for your education can be expensive. To afford tuition, many Texans take out student loans. However, this can easily turn into a long-term burden that may cost you dearly

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How to Handle a Debt Collection Lawsuit in Texas
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How to Handle a Debt Collection Lawsuit in Texas

If you’re struggling with debt, you’re not alone. Millions of Americans are familiar with that sinking feeling when an envelope marked “PAST DUE” in big red letters arrives in the mail. Finding out that a debt collector is suing you for payments you owe is scary, but you still have legal rights as the debtor.

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