Ciment Law Firm, PLLC

Ciment Law Firm, PLLC Blogs

Latest from Ciment Law Firm, PLLC

No one intends to get behind on their bills. You could be dealing with unexpected expenses such as a car repair, unexpected health bills, or another life-altering event. We understand what you are going through. Unfortunately, debt collectors become successful by filing lawsuits and utilizing intimidation tactics. Cavalry Portfolio Services lawsuits can be intimidating and financially devastating. If Cavalry Portfolio Services has sued you, it is important to note that you have rights as a consumer. You need a debt defense attorney to advocate on your behalf and advise you through this process. Trust the experienced attorneys at Ciment Law…
No one intends to get behind on their bills, there could be an unexpected car repair or health bills, or maybe life gets in the way. We understand what you are going through. Unfortunately, debt collectors become successful by filing lawsuits and utilizing intimidation tactics. Have you been sued by Midland Credit Management (MCM) or Midland Funding? It is important to note that you have rights as a consumer. You need a debt defense attorney to advocate on your behalf and advise you through this process. Trust the experienced attorneys at Ciment Law Firm, PLLC, who focus on debt-collection lawsuits.…
If Portfolio Recovery Associates has sent you a citation, you are not alone. You may not even realize they are one of your creditors since Portfolio Recovery Associates is not a bank or an issuer of credit. Yet Portfolio Recovery Associates, or PRA, is one of the most prominent debt collectors in the U.S. They make a profit by purchasing overdue debts, including student loans, medical bills, and credit card debts, and collecting them from the debtors. When PRA reports your debt to credit bureaus, it can do significant damage to your credit score and lower your chances of obtaining…
Filing for bankruptcy raises many questions, which is why plenty of people considering bankruptcy seek the support of a recognized Katy, TX consumer advocate, debt collection defense, and bankruptcy attorney. Whether you’re thinking about filing or have already done so, you must prepare for its impact on your life. Many people ask us at the Ciment Law Firm, PLLC, how a bankruptcy petition impacts their stimulus checks. Will I Lose My Stimulus Check in Bankruptcy? You might have received one, two, or all three stimulus checks designed to help American families during the difficulties of COVID-19, in the amounts…
Errors on your credit report can cause you to be denied a loan or to experience other negative impacts on your finances. It’s essential to leverage the opportunity to look at your credit report regularly so that you can identify any errors and promptly report them. Since it takes time to report these errors, you must know the process for letting the agencies know that a mistake has appeared on your report. According to research, over 80% of the complaints lodged against the three major credit bureaus have to do with mistakes on reports. If you have further questions about…
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…