Montgomery Debt Defense Attorney
Times are hard for millions of Americans. Unexpected job loss, medical bills, or using credit cards out of necessity have caused many families to suffer financially. To make matters worse, debt collectors and creditors only look out for themselves. Even though you are doing your best to make ends meet, you may find yourself facing mounting debt, debt collection, or even a debt-related lawsuit.
At Daic Law, our Montgomery debt defense attorney can help you sort through your financial situation and find debt resolution options that work for you. When you are struggling with debt or a debt collection lawsuit, you need to know what your debt defense options are. We can help!
Understanding Your Debt Defense Rights and Responsibilities
If you are receiving calls from debt collectors or are being sued by a debt collector or debt buyer, it is important to speak with a Montgomery debt defense attorney as soon as possible. If you fail to acknowledge the debt or respond to a lawsuit, the consequences could be disastrous.
Texas consumers have certain rights and responsibilities when it comes to debts. We all know how important it is to pay our debts on time. The reality is that sometimes things happen that prevent us from doing so. If a creditor won’t negotiate a payment arrangement or other means of working with you, you are left with little choice but to accept whatever the consequences may be.
At Daic Law, we are dedicated to help you obtain relief. Whether that is negotiating with creditors or defending you against a debt collection lawsuit, our debt defense lawyers can help. We help clients with the following debt-related matters:
Credit Card Lawsuits
Every year, thousands of people are sued by credit card companies. Many of these lawsuits can be thrown out, however, due to errors of information or filing.
Debt Collection Lawsuits
Debt collectors will sometimes file a lawsuit in order to collect the money you allegedly owe. However, there are defenses to these lawsuits. Can the creditor prove you owe the debt? Did they violate your rights? These are important defenses.
Penalties and interest can increase your debt. If you are unable to pay, you may find it difficult to negotiate a more affordable payment. We can help negotiate with creditors on your behalf to reduce debt or find a more suitable payment arrangement.
If a creditor obtained a default judgment against you, we can help you defend yourself and protect your rights. A steadfast defense is important to protecting your property and income.
Many people are unaware that they can defend themselves against debts. Dealing with debt collectors and creditors is often intimidating and scary, but you are not alone.
Contact our Montgomery Debt Defense Attorney
Daic Law has represented hundreds of clients in Montgomery and surrounding areas of Texas. We believe that everyone deserves the best defense and protection of their rights. When you work with us, you don’t sacrifice the personal attention that your case deserves. Our attorneys handle each case personally.
Find out more about how we can help you resolve your debt by calling us at 877-893-6040, or by emailing us at firstname.lastname@example.org. We offer a free consultation to every potential client, so you are under no obligation by learning more.
What types of debt-related cases do you handle?
At Daic Law, we help clients with all sorts of debt, including:
- Medical Bills
- Credit Card Debt
- Student Loan Debt
- Insurance Subrogation
- Insurance Premiums
- Note Loan
- Repossession Deficiency
Call us to find out if we can help with your debt.
Can a creditor sue me even if I've made a payment arrangement?
Unfortunately, a creditor can still sue you even if you are making payments per an arrangement. If you cannot continue payments or miss payments, it is important to contact the creditor and attempt to make additional arrangements. If you are in a payment arrangement and receive a summons, contact a debt defense lawyer as soon as possible.
I received a summons, what should I do now?
If you are being sued by a debt collector, you should contact a debt defense lawyer in Texas as soon as possible. You must respond to the lawsuit within 20 days, or the court could issue a default judgment against you. A debt defense lawyer can help you respond in a timely and appropriate manner.
Can I go to jail if I don't pay or respond to a lawsuit?
No. You cannot go to jail for not paying a debt, or for not responding to a lawsuit. Of course, there are negative consequences for both of these actions, but not jail time. Also, a creditor cannot threaten you with jail time – or threaten you at all. If they do, they are violating your rights under state and federal laws.