San Antonio Debt Defense Attorney
Are you being harassed by debt collectors? Been sued by a debt collection agency? Or maybe you are just feeling the weight of unexpected debt that you can’t afford to make payments on.
In any of these situations, you may feel overwhelmed and unsure of what to do. You should know that you are not alone. At Daic Law, we understand what you are going through. Our practice is dedicated to helping individuals and families recover from debt, debt collection efforts, or debt collection lawsuits.
Our San Antonio Debt Defense Attorney Can Help
Whether you feel like you are drowning in bills, have already been contacted by a debt collector, or have received a summons – there are debt defense options that can reduce or eliminate your debt burden.
At Daic Law, we help clients negotiate and resolve debt-related matters including:
- Credit card debt
- Credit card lawsuits
- Auto loan deficiency
- Medical bills
Our San Antonio debt defense lawyers are skilled negotiators and are strong advocates for consumer rights. We will do everything in our power to ensure you are treated fairly and with the respect that you deserve.
Our Approach to Debt Defense
From the moment you contact Daic Law, you can be sure that our team is on your side. Our services are provided at affordable rates so you don’t worry about taking on more debt in order to resolve current debt. We are upfront with you about our fees and what you can expect throughout the debt defense process.
Once you hire us, we will thoroughly investigate every element of your case. We will review your records and the activities of debt collectors toward you. Our team has extensive knowledge of state and federal consumer protection and debt collection laws, so we will make sure that your rights are protected. If a debt collector violated your rights, you can be sure that we will attempt to hold them accountable.
Skills You Need – No Matter What
At Daic Law, our San Antonio debt defense attorney is a skilled negotiator. We are often able to resolve debt defense cases without going to court. However, you should know that we will prepare for the event that your case goes to trial. We are aggressive advocates in the courtroom.
Get Your Free Consultation
If you want to learn more about Daic Law and how we can help you with your debt defense case, call us at 877-893-6040 or email us at email@example.com. You don’t have to fight debt collectors or debt lawsuits alone.
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.
What is the Fair Debt Collection Practices Act?
The Fair Debt Collection Practices Act, or FDCPA, is a set of laws designed to protect Texas consumers from unethical or illegal debt collection practices. The FDCPA prohibits debt collectors from doing the following:
- Harassing consumers
- Threatening violence or criminal acts
- Using profane language or obscenities
- Using false names or misidentification
- Providing no information about who they are
- Failing to identify the debt and holder
- Making false accusations of fraud or other crimes
- Threatening to repossess property
- Attempting to collect unjustified amounts of money
If debt collectors violate your rights under the FDCPA, you may be eligible for relief, and they may be subject to civil or criminal penalties.
How will I know what is happening in my debt defense case?
At Daic Law, we pride ourselves on being responsive and available. We will keep you informed as your case progresses. There are times when your case may move forward rather quickly, and others (such as discovery) when it may take some time for our team and opposing counsel to review all the facts. You should know that you can always reach out to us with questions or concerns.
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.