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…

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…

In many judgments for civil cases, the party ordered to pay money does not have the means to immediately pay the ordered amount. So, what might the judgment creditor do to ensure the judgment debtor pays the money?

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…

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…

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…

According to the most recent Survey of Consumer Finances, did you know that the average American between the ages of 35-54 is more than $130,000 in debt? That number can add up quickly — a mortgage, a car or…