Debt Assistance Lawyer in Houston, TX
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Debt Assistance Lawyer in Houston, TX
It’s easy to get into debt but much harder to get out of it. Your stress level and bills are both growing, and you need a way out. You can get out of debt without filing for bankruptcy by enrolling in the Debt Assistance Program at the Ciment Law Firm. Let a debt assistance lawyer in Houston, TX, deal with your creditors so you don’t have to. Alleviate stress and improve your financial future with help from the Ciment Law Firm.
Who Benefits From the Debt Assistance Program?
The Ciment Law Firm has helped countless people with its Debt Assistance Program. The Debt Assistance Program was created for people who want to:
Make a Plan to Get Out of Debt
When you look at your earnings versus what you owe, you might think you’re in an impossible situation. You cannot repay all of your debt with your current salary unless the payment amount changes. The Ciment Law Firm will evaluate your financial situation and work with you to resolve your debt. Then, your Houston debt assistance lawyer will contact your creditors and get them off your back.
Don’t Let Debt Collectors Use Illegal Tactics
The Fair Debt Collection Practices Act states what debt collectors can and cannot do when collecting debt. A violation is subject to a statutory penalty of up to $1,000 paid to the consumer. Sadly, debt collectors often break these rules, and when consumers aren’t aware of their rights, they don’t take action. The Ciment Law Firm will take action on your behalf if you are enrolled in the debt assistance program. First, your Houston debt assistance lawyer will look at each account, searching for violations. If any are present, the attorney will demand that the creditor pay you the statutory penalty of up to $1,000 per violation, PLUS all of our legal fees and expenses for suing them. In some cases we can even get the creditor to forgive the debt.
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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,
Real Clients Real Reviews
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.