Debt Assistance Lawyer in San Antonio, TX
Get the Legal Help You Need
Debt Assistance Lawyer in San Antonio, TX
Between the constant phone calls and threatening letters, it seems like you cannot escape your debt. This problem won’t go away and could become even more severe if your creditors choose to take you to court. If that happens, you could end up facing a bank garnishment or another judgment. Fortunately, the Ciment Law Firm is here to help you overcome your debt. Our Debt Assistance Program will put a stop to collection calls while also checking for violations. If you want to get a handle on your debt, our San Antonio debt assistance lawyer can help.
What to Expect With the Debt Assistance Program
Daniel Ciment used his experience as a former debt collection attorney and current consumer advocate to design the Debt Assistance Program. He created this program to help people who are overwhelmed by debt and want out. If you sign up for this program, your San Antonio debt assistance lawyer will:
Regain Control of Your Debt With the Debt Assistance Program
It’s challenging to feel in control when you are drowning in debt. You are terrified of what the future might bring and what will happen if you can’t get a handle on your bills. You can regain control with help from the Ciment Law Firm.
Your attorney will put an end to collection calls right away. Once the phone stops ringing, the stress will melt away and you’ll be ready to focus on repaying your debt. You’ll be back in the driver’s seat and ready to get out of debt.
Build a Strong Financial Foundation With the Debt Assistance Program in San Antonio
The Debt Assistance Program empowers you to build a solid financial foundation. Paying your debts will help your credit. Unlike bankruptcy that can cause your credit score to drop significantly, this program allows you to rebuild your credit. Then, when you finally finish paying your debt, you will be ready to enjoy credit responsibly while staying within your budget.
Beware of Illegal Debt Collection Practices
Creditors sometimes resort to illegal debt collection practices when trying to collect a debt. They assume that consumers don’t know what they can and can’t do, so they try whatever they can to get money. The Ciment Law Firm will ensure that your creditors comply with the Fair Debt Collection Practices Act. The firm will also look for violations that occurred in the past, such as failing to validate debt or engaging in harassing behavior. You can get up to $1,000 per violation, which can also help you as you work toward a stronger financial future.
Contact Our Debt Assistance Lawyer in San Antonio, TX
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Get The Best Defense For Your Case
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.