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Debt Assistance Lawyer In Katy, TX

Debt is more than a financial burden. It’s overwhelming, and it can take over your life. You worry about making ends meet while also handling your debt, and it seems impossible. While you can’t afford to repay all of your debt right now, you also know that ignoring it can make the problem worse. You don’t want to end up in court, so you need to find a solution. The Ciment Law Firm’s Debt Assistance Program can help you get back on sound financial footing. Daniel Ciment began his legal career at a debt collection law firm, so he understands how to help his clients. He will handle all communications with creditors and make sure theys follow the law when attempting to collect debts. If they have broken any laws, he will hold them accountable and protect your rights.

If you want to alleviate the stress and finally move beyond your debt, reach out to a debt assistance lawyer in Katy, TX, today.

Features Of The Debt Assistance Program

The Debt Assistance Program was created for people who cannot pay their debts in full right now but want to satisfy their obligations and get out of debt. If you sign up for the program, the Ciment Law firm will:

Ask Us A Question, Tell Us Your Situation,
Or Schedule A Call With Us

Call (833) 637-1075 or fill out the short form below. We will respond on the same day if you’re reaching us before 5pm – otherwise, next business day. Don’t hesitate: We welcome your questions!

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We respect your privacy. The information you provide will be used to answer your question or to schedule an appointment if requested.

Let The Ciment Law Firm Deal With Your Creditors

While there’s nothing enjoyable about being in debt, dealing with creditors might be the most challenging aspect. Avoiding the calls and letters makes the situation worse, but you aren’t sure how to handle it. A lawyer at the Ciment Law Firm will become the contact person for your creditors when you sign up for the Debt Assistance Program. The Katy, TX, debt assistance lawyer won’t stop at fielding phone calls, though. As part of the program, your attorney will also make sure that the collectors comply with all debt collection laws.


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.



The Debt Assistance Program Is An Alternative To Bankruptcy

If you’re stressed about debt, you might be considering filing for bankruptcy. You aren’t sure if you can handle the severe credit damage that comes with personal bankruptcy protection, though. You also don’t know how you feel about the potential invasion of privacy. Bankruptcy filings are public records, so anyone can find out if you’ve filed. You can avoid embarrassment and credit damage with help from a debt assistance lawyer in Katy, TX.


Hold Creditors Accountable If They Break The Law

The Fair Debt Collection Practices Act was created to protect consumers. The act governs the way that debt collectors can interact with consumers. For example, creditors cannot use abusive language or threaten action they cannot take. Creditors also cannot call you repeatedly, misrepresent the amount you owe, or illegally inform someone else about your debt. These are just some of the violations that the Ciment Law Firm will look for if you’re part of the Debt Assistance Program. If a creditor has violated the act, the Ciment Law Firm can take action on your behalf. Creditors must pay up to $1,000 per violation, so you need to hold debt collections accountable.


Contact Our Debt Assistance Lawyer In Katy, TX

You might feel like you’re in a hopeless situation, but a debt assistance lawyer in Katy, TX, can help. Schedule a free consultation by calling the Ciment Law Firm at 833-637-1075.


Why Choose The Ciment
Law Firm, PLLC?

  • Free ConsultationFind out which debt resolution option is best for you during a free consultation.
  • Positively ReviewedOur firm has numerous positive reviews on Google, Avvo, and other websites.
  • Options for All NeedsFrom 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 FieldDaniel 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 TransparentPatient and knowledgeable, the team is available to answer all questions and explain the process so that clients can reach their desired outcome.
  • Six Office LocationsSchedule your appointment at an office in Katy,

Getting Creditors Off Your Back

When you enter the Debt Assistance Program, the Ciment Law Firm will contact your creditors. Your attorney will instruct the creditors that all communications are to go through the law firm, immediately ending the calls and letters. We then look for violations of your consumer rights and if the debt collector has crossed the line we will be there to hold them accountable.

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Protected Funds

Secured Vs. Unsecured Debt

You likely have both secured and unsecured debt. Secured debt is backed by collateral, such as a vehicle or house. If you don’t make your payments, the creditor can take action to seize the collateral. Unsecured debt is not backed by collateral. Examples of unsecured debt include credit card bills, medical debt, and personal loans. While debt collectors cannot seize your property if you don’t pay unsecured debt, they can take other actions, including obtaining a judgment to garnish your bank account. The Debt Assistance Program can help you manage your unsecured debt and avoid litigation.


Avoid Bankruptcy With Debt Assistance

The Debt Assistance Program gives Texas residents a chance to free themselves from debt without going through bankruptcy. While bankruptcy is an effective way to get out of debt, it damages credit. Bankruptcy can stay on a credit report for up to 10 years. During that time, obtaining credit can be challenging. People must work to rebuild their credit, so lenders will view them as creditworthy. By avoiding bankruptcy, people can prevent severe credit damage. Then, once out of debt, they can begin borrowing much sooner than they could if they had a bankruptcy on their record.


Illegal Debt Practices

Clients enrolled in the Debt Assistance Program are also protected against illegal debt practices. The Ciment Law Firm holds debt collectors accountable when they engage in one of the illegal debt collection practices. These practices include lying about their role, misrepresenting the amount the borrower owes, failing to validate the debt, and constantly contacting the consumers. Debt Collectors cannot threaten legal action that they won’t or can’t take, tell unauthorized third parties about the debt, or harass borrowers.

If you think a collection agency is using illegal debt collection practices, contact the Ciment Law Firm for legal guidance.

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