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1302 Waugh Drive, Suite 908, Houston, Texas 77019
+1 877-893-1651

El Paso County Debt Defense Lawyer

El Paso County Debt Defense Lawyer

Daic Law Helps Clients in El Paso County and Across Texas with Debt Defense and Debt Lawsuit Defense.

If your debt burden has become seemingly insurmountable, Daic Law wants to help. We want you to know that you have legal rights, and you deserve the opportunity to protect them. Whether you are being harassed by a debt collector, or are subject to a lawsuit, we can help. Our El Paso County debt defense lawyer will help you find the best solutions possible for debt relief.

El Paso County Debt Defense Lawyer

Everyone has financial obligations. But when life throws something unexpected your way, your obligations can quickly become rising debt. Even if you have a long history of paying your debts on time and in full, creditors and debt collectors are quick to hound you for payment if you get behind.

At Daic Law, we work to help consumers understand and protect their legal rights in debt-related matters. Our El Paso County debt defense lawyer can help you make sense of your financial situation and explore debt defense options. We understand the stress that debt brings individuals and families. Our goal is to provide reasonable solutions that work for you.

Protecting Your Rights Against Creditors

Creditors and debt collectors frequently take advantage of consumers. They often use abusive and harassing tactics in attempt to collect debt. Most consumers believe these tactics are wrong, when in fact, they are actually illegal.

The Fair Debt Collection Practices Act (FDCPA) has specific guidelines for how debt collectors treat consumers. More specifically, the FDCPA outlines debt collection practices that are prohibited, such as:

  • Contacting you before 8 a.m. or after 9 p.m.
  • Contacting you at work after asking them not to
  • Communicating with third parties about your debt
  • Using profane or obscene language
  • Threatening you with physical harm
  • Threatening criminal action or jail

Unfortunately, many debt collectors still use these tactics despite them being illegal. In these cases, it is important to speak with a debt defense lawyer in Texas about how to make them stop. You should also know that once you are working with a lawyer, debt collectors must communicate with you through your lawyer.

How a Debt Defense Lawyer Can Help You

You know you have legal rights, but you may not know the best ways to protect those rights. Fortunately, when you work with Daic Law, you get the benefit of an advocate who is skilled in handling debt-related cases. That means you have an ally who is familiar with applicable state and federal laws, the debt-related legal process, and common defenses to debt cases. If you are facing a debt collection lawsuit, we can help you fight it.

Some of the most common defenses to debt lawsuits include:
  • Mistaken Identity
  • Identity Theft
  • You Were Only an Authorized User
  • Statute of Limitations has Expired
  • Improper Service (delivery of the lawsuit)
  • Debt Was Paid in Full (lack of credit to account)
  • Dispute Over the Amount of Debt
  • You Have Bankruptcy Protection

These are some of the most common defenses applicable in debt-related cases. There may be other options available to you depending on the type and amount of debt, and other factors. The best way to find out what your debt defense options are is to contact an El Paso County debt defense lawyer.

Contact Our El Paso County Debt Defense Lawyer

If you are facing insurmountable debt, debt collector abuse, or a debt collection lawsuit, contact Daic Law today. Working with a debt defense lawyer improves your chances of a successful outcome. Working with our team guarantees that you will get individualized help and support throughout the legal process.

Don’t wait to get the help you need. Get peace of mind by calling Daic Law today. Our consultations are always free, so you have nothing to lose. To begin your consultation, call us at 877-893-6040, or email us at

Frequently Asked Questions about Credit Card Lawsuits

What happens if I ignore debt collectors?

If you ignore debt collectors, they may use other means of attempting to collect the debt, including filing a lawsuit against you. If you are unable to reach an agreement with a debt collector, it is best to contact a debt defense lawyer to discuss your options. Ignoring the situation could have serious, long-term consequences. 

What should I do if I'm sued by a creditor?

If you have received a summons and are being sued by a creditor, there are a few things you can do to improve your chances of a favorable outcome. 

  1. Contact a debt defense lawyer for professional guidance. 
  2. File a Response to the lawsuit. 
  3. Consider your options for debt resolution.

Debt collectors are calling me frequently. What can I do?

Debt collectors are notoriously frustrating for consumers. If they are calling you frequently, they may be violating your legal rights. The Fair Debt Collection Practices Act (FDCPA) has specific guidelines for what debt collectors can and cannot do. For example, debt collectors cannot:

  • Call you before 8 a.m. or after 9 p.m. 
  • Cause your phone to ring for extended periods of time
  • Call you repeatedly throughout the day
  • Call you at work if you have asked them not to
  • Make threats of any kind
  • Use foul or obscene language

Does Daic Law handle bankruptcy cases?

Many people struggling with debt or a debt collection lawsuit consider bankruptcy. At Daic Law, we DO help clients with bankruptcy cases. You can learn more about bankruptcy, the process, qualifying (the means test), and how we can help by calling us at 877-893-6040 for a free consultation.