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

Houston Debt Defense Attorney

Houston Debt Defense Attorney

Daic Law Helps Clients with Debt Defense and Resolution

Do you feel like you are losing control of your finances because of debt? Let Daic Law help. Our Houston debt defense attorney can help you understand your options for debt relief. You don’t have to settle for whatever resolution a creditor, debt collector, or debt buyer offers – you can fight back and find resolution that works for you.

Houston Debt Defense Attorney

Are you being sued by a creditor, credit card company, or debt collector?

If so, contact Daic Law for a free consultation. Our Houston debt defense attorney is relentless in their fight for you, your rights, and your financial future.

These are challenging times, and many Texan’s are struggling with the weight of financial hardship. Increasing costs, lost time at work, medical emergencies – these are just a few of the factors that can suddenly change your financial situation. At Daic Law, we help clients everyday who are struggling despite paying their bills on time and being financially stable for years. When the unexpected happens, it is easy to feel overwhelmed like you are drowning in financial hardship.

The good news is that you are not alone. And there ARE things you can do to resolve debt and improve your financial stability.

Types of Debt Defense Cases We Handle

At Daic Law, our Houston debt defense attorney helps clients with many types of debt defense cases. Contact us if you need legal assistance related to:

Credit Card Lawsuits

If you are being sued by a credit card company, we can help you fight back. We can help you fight the lawsuit and secure a favorable outcome. Our debt defense lawyer in Texas knows the tactics that credit card companies use, and can help you fight back.

Debt Collection Lawsuits

Debt collectors may file a lawsuit against you to collect the money you owe. Sometimes, however, debt collection lawsuits are filed inappropriately or against clients who don’t actually owe the debt. We can help you protect your rights and successfully resolve your lawsuit.

Debt Negotiation

If you are unable to afford the payments a debt collector or creditor offers, we can help you negotiate. We are often successful at reducing the total debt amount, obtaining a lower interest rate, and securing a more affordable payment plan.

Judgment Defense

If a creditor has obtained a judgment against you, it is important to resolve the matter before damage is done to your credit and livelihood. A judgment can result in garnished bank accounts and seizure of certain assets. We can defend you against a judgment and find suitable options for resolution.

Chapter 7 Bankruptcy

For many people, filing bankruptcy is a suitable option for debt relief. With Chapter 7 bankruptcy, you have the ability to sell assets or property in order to repay the debt. Once you make all applicable and affordable payments, the remaining debt is discharged.

Houston Debt Defense Attorney Fighting for You

At Daic Law, we understand how difficult these times are. Millions of Americans are struggling financially due to medical bills, job loss, unexpected injury, or unexpected changes in your housing situation. There are many reasons why you may be struggling. Unfortunately, creditors aren’t compassionate and will do whatever they can to collect money from you.

But even though you owe a debt, it doesn’t mean that you forfeit your legal rights. It also doesn’t mean that your situation is hopeless. In fact, there are many ways that you can overcome debt and reclaim your financial stability.

At Daic Law, we are dedicated to helping you find debt relief that works for you and your family. We understand that every situation and case is different. We believe that each client deserves an individualized approach to debt relief. Here are some of the ways that we help you fight debt and debt collectors:

  • We help you understand your legal rights as a consumer, as well as the laws that creditors must abide by.
  • If you are being sued by a debt collector or debt buyer, we will help you respond and find the best option for resolution.
  • We will explore all possible defenses that may be applicable to your case.
  • If your case requires appearing in court, we will appear on your behalf unless absolutely necessary. If you must appear, we will help you every step of the way.
  • We will carefully investigate your situation to determine if the debt collector or buyer is violating your rights or the law.

Possible Defenses to Your Debt-Related Case

At Daic Law, our Houston debt defense attorney knows how important it is to build a strong defense against debt collectors and debt lawsuits. We thoroughly investigate your case to determine what possible defenses may apply. Some of the debt defenses we frequently use include:

  • Assessing if the creditor sued you within the statute of limitations.
  • Assessing if the creditor and/or debt collector calculated the debt and fees correctly and legally.
  • Reviewing the fees the creditor is asking for to see if they are legal.
  • Reviewing if the creditor violated your rights under the Fair Debt Collection Practice Act (FDCPA).
  • Negotiating with the creditor or debt collector to secure a favorable outcome.

During your case, we will handle all negotiations with the creditor, debt collector, or lawyers. You will not have to manage communication or filing legal documents on your own. We also will make sure that we meet all applicable deadlines so that your case does not stall or get dismissed.

Worried about going to court? If we cannot resolve your debt-related case through negotiation, Daic Law is prepared to represent you in court. If your case does go to court, we will stand beside you every step of the way.

Contact Our Houston Debt Defense Attorney

If you need assistance managing debt or fighting a debt lawsuit, contact Daic Law today. We have many years of experience helping clients understand their rights and resolve their debt. Get started with a free consultation with our debt defense lawyer in Texas. Call us at 877-893-6040, or email us at You can also schedule a consultation via our online calendar.

Learn more about debt relief by calling us at 877-893-6040, or by emailing us at

Frequently Asked Questions about Credit Card Lawsuits

Are debt collectors allowed to harass me?

No. The Texas Debt Collection Act prohibits debt collectors from doing the following: 

  • Threatening violence or any criminal acts
  • Using obscene or profane language
  • Falsely accusing you of fraud or other crimes
  • Threatening to arrest you or seize property
  • Calling anonymously or making repeated calls
  • Making collect calls without disclosing their identity
  • Sending you documents disguised as legal or court documents
  • Trying to collect more than what you owe or agreed to

Can I dispute a debt?

You can dispute a debt by contacting the debt collector via certified mail (we recommend getting a return receipt). The debt collector then has 30 days to investigate and determine if the debt is correct. If so, they can resume collection activities. If not, they must notify you of any changes they report. 

How long do I have to respond to a debt-related lawsuit?

In Texas, most debt-related lawsuits require a response within 20 days plus the following Monday from when you receive the summons. You should count weekends and holidays just to be safe.

Can I lose my home and property because of debt?

In Texas, your primary residence, or homestead, cannot be seized in order to pay your debt. However, if the debt is related to the purchase of the home, home equity loans, or taxes. In these cases, your home may be potentially at risk and you should contact a debt defense lawyer as soon as possible.

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