Debt Relief Lawyer In Seguin, TX

Lawyer offering legal advice to a client

Seguin, TX, residents are vulnerable to the challenges posed by past-due debts. They may face collection attempts, lawsuits, and other legal trouble. Debt causes severe stress and anxiety, and it makes sense that the people of Seguin, TX, need help to solve their financial problems.

Many Seguin residents need help meeting their financial obligations in today’s challenging economy. Through no fault of their own, they may incur unexpected medical debt, lose their jobs, or be unable to pay back private student loans.

Debt collectors use many intimidating and sometimes underhanded tactics to secure repayment of their purchased financial liabilities. They will use any means to get consumers to pay their debts. However, their methods sometimes conflict with the law.

A seasoned debt defense firm like Benjamin Trotter, Attorney at Law, P.C., can help you face your debts and deal with them legally and expediently. We may be able to settle your debt for less than you owe or contest the amount and your liability in a lawsuit.

Call Debt Legal Defense at 210-468-1008 to discover more about our services, or book an appointment to speak with us about your issues. We may be able to help you settle your debt amounts, stop creditor harassment, and prove that a debt does not belong to you.

Services We Provide in Seguin and the Surrounding Areas

Judgment Relief

A debt collector or creditor may file a judgment against you if you do not pay your past-due debts. In many cases, you may only know about the decision once it has already occurred. 

A judgment in your file can damage your financial situation. If the ruling stands, you will lose your positive credit rating for several years. Loss of a good credit rating can lead to rejected loans and job opportunities. Speak to an experienced debt defense attorney like Debt Legal Defense to deal with these judgments.

Debt Lawsuit Defense

If debt collectors and creditors do not receive their money, they may sue you. This intimidation tactic produces efficient results if you do not have a debt defense attorney. A defense attorney may be able to help you negotiate your settlement and reduce the amount you owe without going to court.

Private Student Loan Defense

A private student loan is the only option for some borrowers, but receiving relief from these debts is more challenging than for federally backed loans. If you default on your private student loans, the company underwriting your loan may pursue lawsuits against you. A seasoned debt defense attorney should be able to guide you through this process and negotiate your debt.

Medical Debt Defense

Excessive medical debt is sadly typical in Seguin, TX, and across the United States. Our healthcare system includes opportunities for creditors and debt collectors to take advantage of people with severe medical conditions. If a debt collector harasses you for a medical bill, it is wise to check and see whether the charges are correct or whether they are your debts. A debt defense attorney may be able to help you adjust your debt amount to a fairer sum.

Consumer Law Defense

The federal Fair Debt Collection Practices Act (FDCPA) protects consumers from unfair treatment by creditors and collectors. Many people contacted by debt collectors report harassment and intimidation. A debt defense attorney may be able to shut this behavior down through a lawsuit or other legal action against the collector.

Bankruptcy Debt Relief

When you cannot fully meet your financial obligations, bankruptcy is always an option. Federal Chapter 7 or Chapter 13 bankruptcy can stop creditors and help you start over. However, it is not always the best choice for every consumer. Our debt defense attorneys may be able to help you find alternatives that will be less damaging to your credit score.

Why Choose Debt Legal Defense?

Benjamin Trotter, Attorney at Law, P.C., has excellent experience negotiating and settling debts. We have been on both sides of the table when paying debts, so we know the other side’s tactics and how they will react to our actions.

Frequently Asked Questions About Our Debt Relief Services

Why are debt collectors so aggressive?

They are effectively using their own money to recover the small investment they made in buying your unpaid debts. They are racing the clock to avoid coming into contact with the statute of limitations and want to gain the maximum amount of money from their transactions.

How can I stop debt collectors from harassing me?

If a debt collector does not follow the provisions of the Fair Debt Collection Practices Act, our debt defense attorneys may be able to help you sue them. Here are several examples of behavior that debt collectors must not practice:

  • Harassing or threatening borrowers
  • Threatening to repossess a property
  • Cursing or swearing at borrowers
  • Calling before 8 AM and after 9 PM
  • Calling your friends and family

What is the statute of limitations on debt?

The statute of limitations for written and spoken debt in Texas is four years. Even if you suspect the debt is more than four years old, it may be in your best interest to look into it. Any contact with the collector causes the clock to reset.

Call Debt Legal Defense

You may feel stressed and upset when you can’t pay your debts. We understand that being harassed by debt collectors is frightening, and we want to help you overcome these problems within the bounds of the law. Our extensive legal expertise allows us to take specific paths other law firms cannot follow.

When you are in debt, you may still have legal recourse and the ability to change your circumstances for the better. Call Benjamin Trotter, Attorney at Law, P.C., at 210-468-1008 to find out how we may be able to help you get your financial house back in order.