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Even when a debt is legitimate, debtors have rights when debt collectors contact them. If you’re dealing with debt and calls from creditors, it is critical to educate yourself about these rights. What Does Texas Law Dictate About Creditors? As a debtor, both state and federal laws protect you. Per the Texas Debt Collection Act, there are several things creditors cannot do. Debt collectors are prohibited from the following actions when it comes to communication with debtors: Using obscene or profane language Threatening criminal acts or violence Falsely accusing the consumer of a crime or committing fraud Harassing people…
  Daniel Ciment, Attorney, and Founder of the Texas Consumer Protection Firm, Ciment Law Firm, PLLC, announces the addition of paralegal and legal professional Ivan Cavada to the team. Cavada, who joins the firm as an Intake Specialist, brings over two decades of experience in the legal field to his new role. The son of attorneys, as a high school student, his first job was running papers for his father, a criminal justice attorney, to various cities in South Texas, including Kingsville, San Diego, and Alice.  In the mid-1990s, Cavada went to work for his mother, a bankruptcy attorney. For…
Do you have questions about filing Chapter 13 bankruptcy in Texas? Contact Ciment Law Firm, PLLC today at (281) 937-3949 to schedule your free consultation. In Texas, filing for bankruptcy requires a clear understanding of the different aspects of the process. You need to understand how Chapter 13 is different from Chapter 7. In Chapter 13 bankruptcy in Texas, you create a plan for repaying your debts and turn it over to the bankruptcy court. Regular installment payments will need to be made to a Chapter 13 trustee for you to follow through with this payment plan. When your…
Daniel Ciment, Attorney and Owner at Ciment Law Firm, PLLC, in Katy, Texas, announces the addition of distinguished marketing and sales leader Juan Faura to the firm in the role of General Manager-Administrator. Faura, a former Fractional CMO/CEO with How to Manage A Small Law Firm, has extensive marketing experience, working with iconic brands like Nestle, where he managed strategic planning and consumer insights across 13 Nestle brands. As a CEO and Coach at How To Manage A Small Law Firm, Faura worked with Daniel Ciment for nine months, helping him manage Ciment Law, PLLC, strategize new ideas, and resolve…
If you’re struggling to control your financial situation, you aren’t alone. According to a CNBC report, the average American carries $90,460 in debt. Thousands of individuals have trouble making minimum payments on their bills each month, leading their debt to spiral out of control. Declaring Chapter 7 bankruptcy is sometimes the most practical solution for those struggling with debt. Chapter 7 bankruptcy allows you to wipe away your debts by liquidating your assets to a trustee, and when your bankruptcy case is complete, most of your debts will be gone. Though declaring Chapter 7 bankruptcy may seem like a…
With texting and email services that can be used anywhere with a smartphone and an internet connection, there are fewer legitimate phone calls than there used to be. In fact, you might receive more bogus calls on your cell phone than actual people you know. A call that shows up as coming from another state or country might be an obvious telemarketer, scammer, or robocaller, but technology has…
Bankruptcy is a legal proceeding involving a person or business that is unable to repay their outstanding debts. The bankruptcy process begins with a petition filed by the debtor, which is most common, or on behalf of creditors, which is less common.…
Unfortunately, with the current economic crisis, more and more people are struggling to meet some or all their monetary obligations, and property repossessions in Texas are on the rise. If you find yourself behind on your payments, understanding your rights and the legal implications of property repossession are vital to protecting your financial future. It may also be time to consider contacting a debt attorney. Will I Get an Advance Notice? If personal property, like a vehicle, acts as collateral for a secured loan, the creditor is legally allowed to repossess it without filing a lawsuit and without any advance…
Daniel Ciment, Attorney and Owner of Ciment Law Firm, PLLC, based in Katy, Texas, has been named to Houstonia Magazine’s List of the Top 20 Lawyers for 2020 in the Bankruptcy, Workout, and Debt category. Ciment, a former owner of a collection agency, understands how debt collection affects people. “Having been on both sides of the debt collection process, I am personally invested in my clients succeeding,” Ciment explains. “ I consider it my mission in life to help people through a difficult time in their lives. Drawing from my extensive background in collections, I developed a three-step process…