Debt Protection Lawyer in El Paso, TX
Get the Legal Help You Need
Debt Protection Lawyer in El Paso, TX
From personal loans and credit card bills to medical costs, it doesn’t take long for bills to add up. Now, you find yourself with thousands upon thousands of dollars of debt, and you aren’t sure how to repay it. You also know that ignoring the problem isn’t an option. Your creditors could take you to court and receive a default judgment if you don’t address the problem head-on. Fortunately, the Ciment Law Firm is here to help you. The Debt Protection Program was created for people with $20,000 or more in unsecured debt. Your debt protection lawyer in El Paso, TX, will negotiate an affordable monthly payment plan and protect you against any legal action. If you are ready to overcome your debt, join this program today.
How the El Paso, TX, Debt Protection Program Works
An El Paso, TX, debt protection lawyer will work with you and your creditors to help you get out of debt. Your attorney will:
Make Manageable Monthly Payments to Pay Off Your Debt
It’s easy to get overwhelmed when you look at all of your bills. When you add the monthly payments up, you have to pay much more than you can afford. Your debt protection attorney will help you pay off your debt by negotiating for reasonable monthly payments. Then, instead of finding a way to meet each debt’s minimum monthly amount, you will make a single payment. Your attorney will also negotiate to stop interest and fees, so your payment will reduce the principal much faster, putting you that much closer to becoming debt-free.
Know Your Legal Rights
It can feel as if you don’t have any rights if you’re behind on your bills. However, the Fair Debt Collection Practices Act (FDCPA) explains your rights. Creditors must abide by the rules set forth in the act, and if they fail to do so, they must pay a fine of up to $1,000. Your debt protection lawyer in El Paso, TX, will ensure that your creditors are held accountable if they break the law when attempting to collect a debt. Common violations include harassment, refusing to validate the debt, or disclosing information to unauthorized third parties.
Defending Against a Debt Lawsuit in El Paso, TX
If a debt collector sues you, you might think that you don’t have any chance of walking away without a judgment. However, the Ciment Law Firm has mounted many successful legal defenses for clients. From FDCPA violations to insufficient documentation or errors, your El Paso debt protection lawyer will explore your case to find the best strategy.
Contact Our Debt Protection Lawyer in El Paso, 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,
Real Clients, Real Testimonials
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.