Debt Protection Lawyer in Austin, TX
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Debt Protection Lawyer in Austin, TX
Debt can go from manageable to out of control in an instant. Maybe you were laid off from work and unable to keep up, or you took on an extra credit card, only to realize it created a financial burden too significant to overcome. At this point, it doesn’t matter how you got into debt. What matters is finding a way to get out of it as painlessly as possible. That’s where the Debt Protection Program at the Ciment Law Firm can help. A debt protection lawyer can negotiate with your creditors, so you can get out of debt by making affordable monthly payments. Also, if a creditor brings a lawsuit against you, your lawyer will demand that the creditor validates the debt and will feverishly defend you in court. Find out more about the Debt Protection Program and reach out for a consultation.
What’s Included in the Debt Protection Program?
Austin debt protection lawyer Daniel Ciment designed this program to help people get out of unmanageable debt. If you sign up for the program, your attorney will:
If you don’t need a legal defense in court, you can consider the debt assistance program. It has all of the same features except for the legal defense.
Affordable Payment Plans
If you can’t keep up with your monthly payments, the debt protection program can help. Your Austin, TX, debt protection lawyer will sit down with you and analyze your income, debt, and household expenses. Then, the attorney will know how much you can reasonably afford without stretching yourself too thin. Using that number as a guide, your attorney will negotiate with your creditors. Daniel Ciment started his career as an attorney for a debt collection agency, so he understands how to work with these companies to create fair repayment plans.
Know Your Rights Under the Fair Debt Collection Practices Act
When you enroll in the Debt Protection Program, your lawyer will ensure that debt collectors do not violate your rights. The Fair Debt Collection Practices Act clearly defines the law debt collectors must follow. If a debt collector has violated the law, you are eligible for up to $1,000 per violation. Examples of violations include harassment, claiming you owe more than you do, using abusive language, and threatening action that they don’t intend to take. Your debt protection lawyer will review your case to see if you are eligible for compensation under the act.
Defending Against a Debt Lawsuit
Your debt protection attorney will defend you if a creditor files a lawsuit. While many people think they will automatically get a judgment against them if they are taken to court, that is not the case. There are many viable defense options, including insufficient documentation, improper service of the litigation papers, and documented payment plans. These are just some examples of potential defenses your attorney can provide.
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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,
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Stop Collection Calls With The Debt Protection Program
Dealing with debt collections is stressful and embarrassing. The endless stream of calls leave you flustered, and you might even have to explain the debt to your loved ones. Once you enter the Debt Protection Program, you won’t have to deal with your creditors any longer. Your lawyer will contact them on your behalf. The attorney will then serve as the point of contact for as long as you are part of the program. That means you can answer your phone without fear since there won’t be a debt collector on the other end of the line.
Get Out Of Debt Without Paying More Than You Can Afford
If you were to make regular payments on all of your debts, it would be impossible for you to meet your family’s needs. You might not have enough money for gasoline, groceries, and other necessary expenses. The Ciment Law Firm will help you pay off your debts without undertaking a massive financial burden. Your lawyer will negotiate with the creditors so you can make affordable payments to eliminate your debt. Each payment will get you closer to closing out the debt. When you finally make the last payment, you’ll be free and clear.
Are You Eligible For Financial Compensation?
Creditors are trying to collect a debt, but they might actually owe you money. When you enroll in the Debt Protection Program, the Ciment Law Firm will evaluate your accounts to determine if the creditors have violated the Fair Debt Collection Practices Act. If so, you are eligible for up to $1,000 per violation. The Ciment Law firm will seek compensation for you, so you won’t have to deal with the creditors or worry about providing evidence.
Debt Lawsuit Defense
Under the Debt Protection Program, the Ciment Law Firm will represent you if one of your creditors files a lawsuit. While you might think that you don’t stand a chance in court, there are numerous legal defenses available. The Ciment Law Firm will explore your different options, including debt collection violations, improper service of summons, mistaken identity, and improper records. You can also use the statute of limitations defense if your debt was due four or more years ago.