When you work with Mastriani Law Firm, we take care of all Texas debt settlement procedures and processes. We negotiate on your behalf, protect you from creditors, and work tirelessly to maximize the debt relief you receive. Other parts of the debt settlement process include:
Stopping Collection Calls And Letters
After you retain our law firm, we will notify your creditors that you have entered into a debt settlement program and demand that they cease communication with you pursuant to the federal Fair Debt Collection Practices Act (FDCPA).
Often this demand holds more water coming from a law firm and not a debt settlement company because the law firm has the legal teeth and wherewithal to punish the creditors for any FDCPA violations. Creditors who violate the FDCPA could potentially be sued. Our law firm has sued debt collectors who cross the line with collections and collected damages on behalf of our clients.
Confirmation Of Written Settlements
Creditors understand the settlement process much more than unrepresented consumers and use that knowledge against the consumers to procure unfair and unjust settlements. Creditors hate dealing with lawyers for a reason; lawyers know the law and are stronger negotiators. Further, it is dangerous to try to settle debts directly with your creditors because they may not give you anything in writing confirming the settlement. Some creditors will promise to send you written confirmations after payment but will not do so.
If you enter into a debt settlement plan with our law firm, we will ensure that all settlements are confirmed in writing.
Collection Lawsuit Representation
Most debt settlement companies specifically disclaim any responsibility for defending you in lawsuits and they usually make it clear that they are not attorneys. Our firm has defended over 10,000 collection lawsuits, so we are prepared to defend you in any lawsuits. Once you are served with the lawsuit or receive other notice, you will need to contact us immediately. If no answer is filed to the lawsuit, a default judgment will usually be entered. Additionally, if discovery has been attached to the petition and it is not answered, you could lose your right to object, or worse, have admissions deemed against you resulting in a judgment. Attorneys for creditors often hide Requests for Admissions in their original petitions that if unanswered, will be deemed as admitted and you will essentially confess a judgment on your case even if you have answered.
If you are in default on a credit card in Texas, there is a good chance you will eventually be sued. Credit card companies and debt buyers have up to four years to sue you from the date of default or last payment. To be conservative, we often caution consumers that the date of default may actually begin a few months after your last payment.
If a debt has been “charged off” on your credit report, it does not necessarily mean that you will not be sued on that debt.
Questions About The Debt Settlement Procedure? Contact Our Houston-Based Attorneys.
We defend thousands of collection lawsuits each year in Texas. We are based in Houston, but have offices throughout Texas and routinely travel to all corners of the state to serve our clients. We have two debt defense attorneys on staff to handle the credit card litigation and our results speak for themselves.
Call us toll free at 888-392-8121 or contact our office by email to arrange a free initial consultation with a Houston debt settlement attorney at Mastriani Law Firm today.