Debt Assistance Lawyer in Dallas, TX
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Debt Assistance Lawyer in Dallas, TX
From a job loss to financial mistakes, you can fall behind on your bills for a number of reasons. Missing one or two payments is one thing, but if you’ve missed several payments, your accounts are likely in collections. Now, you live your life in fear, worrying that the next phone call or letter will escalate the situation. No matter how out of control you feel, the Debt Assistance Program at the Ciment Law Firm can help. A debt assistance lawyer in Dallas, TX, will become the point of contact for all of your past-due accounts while also protecting your legal rights. Find out more about the debt assistance program.
Ideal Candidates for the Debt Assistance Program in Dallas, TX
Many people choose the Debt Assistance Program to resolve their debts. You can benefit from this program 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.
Get Out of Debt Without the Phone Calls
Debt and constant phone calls go hand in hand. If you’re dealing with lots of debt, your phone is likely ringing off the hook as well. That adds to the stress and makes it even harder to pay off the debt. Your Dallas debt assistance lawyer will handle all communications for you. Instead of fielding phone calls, you can focus on repaying your debt.
Rebuild Your Credit With the Debt Assistance Program
The Debt Assistance Program in Dallas, TX, allows you to rebuild your credit while paying off your debt. Many people prefer this over bankruptcy due to the credit impact. It can take 10 years to recover from a bankruptcy filing, while you can begin to improve your credit score immediately with the debt assistance program.
Seek Compensation for Illegal Debt Collection Practices
Debt collectors are required to follow the guidelines in the Fair Debt Collection Practices Act. Common violations include calling before 8 a.m. or after 9 p.m., threatening actions they can’t or don’t intend to take, using abusive language, calling continuously, or asking for more than you owe. You are eligible for up to $1,000 per violation. The Ciment Law Firm looks for violations as part of the Debt Assistance Program.
Contact Our Debt Assistance Lawyer in Austin, TX
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You deserve to work with an attorney you can count on to do everything in their power to win your case. Schedule a strategy session with our firm today to develop the strongest path forward.
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.