Are you facing a debt collections lawsuit? Are you worried about losing your home or assets? Debtors have rights under federal and state law that protect your privacy, homestead, and other exempt property. If you have been sued on a consumer debt account, such as a credit card, contact our firm to help you negotiate a settlement. Debt collectors often attempt to bully or intimidate debtors, hoping they do not know their rights. Competent legal defenders can quash these tactics immediately.
"I've been served with a collections lawsuit, what should I do?"
Contact our firm office immediately. If you do not file a timely answer the court will award a "default" judgment to the creditor and you lose your chance to defend yourself. In addition the original debt amount the court may add thousands in attorney's fees and costs.
"If I owe the money why should I fight the case?"
There are many ways to fight a debt case. I will be happy to discuss your options with you. One of the main ways to fight a case is to check the validity of the contract or agreement, verify charges or claims, and negotiate a reduction in debt owed.
"How much does this cost?"
The consultation is free. The fee for representation depends on the total amount owed.
Texas and Federal law both forbid unfair debt collection practices. Debt collectors often ignore your rights and willfully violate these laws. Phone harassment is the most common, but certainly not the only way creditors bully debtors.
The Texas Fair Debt Collection Act forbids practices such as:
Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, debt collectors may not:
Debt collectors may not use any false or misleading statements when collecting a debt. For example, debt collectors may not:
Debt collectors also may not state that:
Further, debt collectors may not:
Debt collectors may not engage in unfair practices when they try to collect a debt. For example, collectors may not:
If so, please do not hesitate to give us a call or click the contact button to send us an email.