Debt Protection Lawyer in Houston, TX
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Debt Protection Lawyer in Houston, TX
Debt isn’t the type of problem that goes away on its own. In fact, the more you ignore it, the worse it can become. Collection calls and letters can turn into lawsuits, which can quickly become judgments. Instead of ignoring the problem, get out in front of it with the Debt Protection Program from the Ciment Law Firm. This program was created for people with $20,000 or more in unsecured debt who don’t want to file for bankruptcy. Once you join the program, your debt protection lawyer in Houston, TX, will contact your creditors and create a payment plan. If any of your creditors move forward with a lawsuit, your attorney will also mount a defense on your behalf. Find out what to expect with this program.
Houston Debt Protection Program Features
Daniel Ciment of the Ciment Law Firm designed the Debt Protection Program to help people with $20,000 or more in unsecured debt. When you enroll in the program, your Houston debt protection lawyer will:
Simplify Repayment With a Monthly Payment Plan
If you owe more than $20,000 in debt, you likely have a number of creditors you need to pay. You can simplify the repayment process with theDebt Protection Program. Instead of trying to find a way to pay each creditor, you will make a single monthly payment to repay your debt. Your Houston debt protection lawyer will negotiate a payment plan on your behalf, so you won’t have to pay more than you can afford. Along with simplifying the process, this helps you get out of debt faster.
Avoid Bankruptcy With the Debt Protection Program
While some Texas residents choose to file for bankruptcy, others don’t want to deal with the credit implications. A bankruptcy can stay on your credit report for 10 years. You can take steps to rebuild your credit before it leaves your report, but it can still hold you back from getting a mortgage, buying a car, and more. If you want to protect your credit, you can enroll in the Debt Protection Program instead. You will repay your creditors in affordable monthly increments, and they will report the payments to the credit bureaus.
Legal Strategies for Houston Debt Lawsuits
The Debt Protection Program includes a legal defense if a creditor sues you. Daniel Ciment of the Ciment Law Firm has worked on both sides of the courtroom, first as an attorney for a debt collection law firm, and now as an advocate for consumer rights. His legal acumen allows him to mount successful legal defenses for many clients. Potential defenses include improper documentation, errors on documents, and having a payment agreement on file. These are just some of the options Daniel Ciment and the team at the Ciment Law Firm will explore if you are sued.
Contact Our Debt Protection Lawyer in Houston, TX
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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,
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.