Debt Assistance Lawyer in Austin, TX
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Debt Assistance Lawyer in Austin, TX
Do you feel a tinge of fear every time the phone rings, worried that a debt collector is on the other end of the line? Does picking up the mail make you anxious since you don’t know if a debt collector is reaching out? You wish you could pay your creditors in full, so they would leave you alone, but that isn’t an option. That doesn’t mean you have to continue down this path, though. The Ciment Law firm offers a Debt Assistance Program to help you get out of debt.
Our Austin, TX debt assistance lawyer will become the point of contact for all your debt collectors so you can stop worrying about answering the phone and checking the mail. YoOur attorney will also search for violations to ensure that the debt collectors follow the law. If they don’t, the Ciment Law Firm will hold them accountable.
Reasons to Choose the Debt Assistance Program
Are you unsure if the Debt Assistance Program from the Ciment Law Firm is right for you? This program is a good fit if you want to:
If you want to repay your debt but are afraid you will be sued, consider our Debt Protection Program in Austin, TX. It’s similar to the debt management plan, but it also offers legal representation if your creditors file a claim against you.
Put an end to collection callsWhen you sign up for the Debt Assistance Program, your attorney will put an immediate stop to communications from debt collectors. You won’t receive phone calls or letters from collection agencies. Instead, your attorney will handle it for you. This will alleviate much of the stress associated with debt .While your attorney fields phone calls and letters, you can begin the process of repaying your debt. Before long, the amount you owe will decrease while your credit score increases.
Avoid Filing for Bankruptcy With the Debt Assistance Program
As your bills continue to pile up, you might think that bankruptcy protection is your only option. At the same time, you are worried about the impact filing for bankruptcy will have on your credit score. The Debt Assistance Program will allow you to get control of your debt without bankruptcy. If you want to overcome your debt without significant credit damage, the program can help.
Watch Out for These Illegal Debt Collection Practices
You have rights under the Fair Debt Collection Practices Act, and if a creditor violates those rights, you might be eligible for up to $1,000 in compensation. Illegal debt collection practices include misrepresenting the amount of debt owed, lying to the consumer, refusing to validate the debt, and engaging in harassing behavior. The Ciment Law Firm will determine if your creditors have violated the act, and if so, your attorney will help you get the compensation owed to you.
Contact Our Debt Assistance Lawyer in Austin, TX
If you are struggling with debt, the future might seem uncertain. You aren’t sure what tomorrow might bring if you cannot pay the debt. You can regain control and clarity with help from a debt assistance lawyer in Austin, TX. Schedule a consultation by calling the Ciment Law Firm at 833-779-9993.
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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,
Getting Creditors Off Your Back
When you enter the Debt Assistance Program, the Ciment Law Firm will contact your creditors. Your attorney will instruct the creditors that all communications are to go through the law firm, immediately ending the calls and letters. We then look for violations of your consumer rights and if the debt collector has crossed the line we will be there to hold them accountable.
Secured Vs. Unsecured Debt
You likely have both secured and unsecured debt. Secured debt is backed by collateral, such as a vehicle or house. If you don’t make your payments, the creditor can take action to seize the collateral. Unsecured debt is not backed by collateral. Examples of unsecured debt include credit card bills, medical debt, and personal loans. While debt collectors cannot seize your property if you don’t pay unsecured debt, they can take other actions, including obtaining a judgment to garnish your bank account. The Debt Assistance Program can help you manage your unsecured debt and avoid litigation.
Avoid Bankruptcy With Debt Assistance
The Debt Assistance Program gives Texas residents a chance to free themselves from debt without going through bankruptcy. While bankruptcy is an effective way to get out of debt, it damages credit. Bankruptcy can stay on a credit report for up to 10 years. During that time, obtaining credit can be challenging. People must work to rebuild their credit, so lenders will view them as creditworthy. By avoiding bankruptcy, people can prevent severe credit damage. Then, once out of debt, they can begin borrowing much sooner than they could if they had a bankruptcy on their record.
Illegal Debt Practices
Clients enrolled in the Debt Assistance Program are also protected against illegal debt practices. The Ciment Law Firm holds debt collectors accountable when they engage in one of the illegal debt collection practices. These practices include lying about their role, misrepresenting the amount the borrower owes, failing to validate the debt, and constantly contacting the consumers. Debt Collectors cannot threaten legal action that they won’t or can’t take, tell unauthorized third parties about the debt, or harass borrowers.
If you think a collection agency is using illegal debt collection practices, contact the Ciment Law Firm for legal guidance.