Debt Assistance Program

Erase or Minimize Your Debt With Our Debt Assistance Program

If you have a mountain of debt that’s taken over your life, your finances, and your peace of mind, you’re not alone. Many Texans find themselves in an unmanageable amount of debt due to medical bills, loss of income, disability, or unhealthy spending habits. No matter what has gotten you trapped in a debt cycle, you deserve a fresh start and a chance to build a healthy financial future.

That’s where our debt assistance program comes in. At Ciment Law Firm, we help many debtors with this program. Place all of your unsecured and defaulted debt with us and let us handle the rest. When you enroll in our debt assistance program, we will:

  • Contact your creditors. For many debtors, this is the most stressful and dehumanizing part of being in debt. Getting incessant calls at work and at home can reduce your productivity, force you to explain your debt to loved ones or colleagues, and keep your debt always at the forefront of your mind. As soon as you enter the debt assistance program, we’ll reach out to your creditors and require that all further communication efforts go through us. You get your peace of mind—and your phone line—back.
  • Evaluate your accounts and look for FDCPA violations. As a law firm that specializes in debt management, we are well-versed in all aspects of federal and state protections for debtors. The Fair Debt Collection Practices Act allows those who have been unfairly targeted or harassed by debt collectors to seek compensation to the tune of $1,000 per FDCPA violation. Many consumers are unaware of their rights and don’t even know about FDCPA standards. Our team will review your accounts to find out if debtors have violated the FDCPA. If they have, we’ll seek compensation on your behalf.
  • Create manageable plans to get you out of debt. Instead of expecting you to make full payment on all of your debts, which is an impractical or impossible idea for those who need debt assistance, we will work with your creditors to come up with a reasonable, manageable payment plan that allows you to meet your family’s needs and get out of debt.
  • Avoid bankruptcy. Everyone has their own reason for entering the debt assistance program. For many of our clients, the main goal is to avoid bankruptcy and prevent the serious credit damage that bankruptcy can cause. We’ll do everything we can to bring your debt to a manageable level and help you avoid bankruptcy.

What if, like many debtors, you’re worried about being sued by creditors? The debt assistance program does not offer lawsuit defense if a creditor should file a case against you. If a creditor files against you, it is an extra fee to have our team defend you in court. You can also progress to our debt protection program, which offers the same benefits as the debt assistance program and includes lawsuit defense.

Ready to find a solution for your debt? We’re here to help. Contact the Ciment Law Firm team today to schedule your consultation.

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