Travis County Debt Defense Lawyer
Every day, millions of people find themselves struggling with debt. Unexpected medical bills, change of income, marriage, divorce, childbirth, disability – these are all situations that change your financial stability. For many of us, that means relying on credit cards and payment plans to make ends meet.
Unfortunately, despite our best efforts, many of us experience the stress of debt collectors attempting to collect debts that we simply cannot pay. Sometimes a suitable arrangement can be negotiated, but too often, consumers are sued and face serious consequences if they cannot pay.
Debt Defense Cases We Handle
If you are angry, scared, or overwhelmed by debt collection efforts, Daic Law wants to help. Our Travis County debt defense lawyer knows the tactics that debt collectors use, and just how often their practices violate consumer rights. We won’t back down and allow debt to ruin your life or livelihood.
At Daic Law, we help individuals, families, and small business owners understand their rights and debt defense options related to:
- Credit Card Lawsuits
- Debt Collection Lawsuits
- Medical Debt
- Student Loan Debt
- Unfair Debt Collection
- Unfair Credit Reporting
- Robocall Lawsuits
- Judgment Defense
- Insurance Subrogation
Our goal is to protect your rights and find the best possible way to resolve your debt or reach a suitable agreement for repayment. It’s easy to lose hope – but with Daic Law on your side, you can rest with peace of mind knowing a fierce team is fighting for you.
You Have Debt Defense Options
Most people are not aware that they can defend themselves against debt collection efforts and debt collection lawsuits. Of course, being sued is an anxiety-inducing event, but it doesn’t mean defeat. There are multiple options to protect yourself and your financial future. Some of the debt defense strategies that Daic Law may consider for your case include:
- Investigating whether you actually owe the debt
- Investigating to determine if the creditor made errors or omissions in paperwork
- Identifying payment arrangements
- Verifying the validity of credit agreements
- Establishing whether the creditor properly applied all payments, credits, or offsets to your account
- Establishing if the creditor provided proper notice and service of a lawsuit
These are just some of the possible debt defense options we can consider for your case. Other options may be available depending on the type of debt and other factors unique to your situation.
Is Bankruptcy Right for Me?
Bankruptcy is an option for debt consolidation or discharge that is effective for many people. The best way to determine if bankruptcy is right for you is to speak with a bankruptcy lawyer at Daic Law. First, we must review your situation and see if you qualify for bankruptcy under the “means test” and other factors.
If, after a careful review, it seems like bankruptcy may be the best option for debt relief, we can help. Our team regularly handles consumer bankruptcy, including Chapter 7 and Chapter 13. We can help you explore your options, and can work with you throughout the bankruptcy process.
Free Consultation with a Travis County Debt Defense Lawyer
If you are struggling with the weight of debt and debt collection efforts, you are not alone. And you don’t have to fight for your rights and wellbeing alone. At Daic Law, we are on your side. Whether you need help stopping abusive debt collectors, have been sued, have a judgment against you, or want to discuss bankruptcy – our debt defense lawyer can help.
To learn more about our services, call 877-893-6040 or complete our contact form. We offer a free consultation to every potential client.
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.
- Contact a debt defense lawyer for professional guidance.
- File a Response to the lawsuit.
- Consider your options for debt resolution.
Do I need a debt defense lawyer?
You don’t necessarily have to have a debt defense lawyer to help you handle a debt lawsuit. However, working with a knowledgeable advocate and ally can help you protect your rights and avoid the tactics of creditors. A lawyer can also negotiate and work on your behalf to secure the best outcome possible.
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
What is the statute of limitations on debt?
In Texas, the statute of limitations on debt is four (4) years. After that four years has expired, creditors can no longer sue you to recover a debt. If they do, you may be able to counter-sue them for violating your rights and state law.