1. Getting the Right Help Key to Fighting Debt Lawsuits

    For most people, getting behind on their bills isn't because they spent all of their money on frivolous things. Often times, it's an illness, the loss of a job, or an unexpected life event that led to them getting behind on their payments. This can quickly snowball into a situation where they are unable to make the payments, start getting phone calls from collectors, and eventually face the possib…Read More

  2. What Constitutes Harassment by a Debt Collector?

    Some collection agencies are reputable and will fairly work with you to make a repayment plan that works with your budget. Unfortunately, not all collection agencies are like that. Some debt collectors overstep their legal boundaries in an attempt to get money from you. Debt collectors cannot harass you about your unpaid debts. If they do, our Houston debt settlement attorney can help you sue them…Read More

  3. I have a judgment against me. Can I just pay it and get it released?

    If you have a judgment against you, you might be thinking that you should just pay the judgment and get it released.  And it's true, that's one way to handle it.  You could contact the judgment creditor and work out terms to pay the judgment.  But that may not be a good idea. Why? Because they are pros when it comes to settling judgments, and you're not.  Here are just a few things you need to…Read More

  4. How do bank account garnishments work in Texas?

    If you have a judgment against you, one of the things the judgment creditor can do to collect their money is garnish your bank accounts.  This article will give you basic information from our Houston debt resolution attorneys about how bank account garnishments work in Texas and about what you can do to protect yourself if you are facing a garnishment. You can only get a garnishment if you alread…Read More

  5. What is a judgment? How does it affect me? And what can I do about it?

    If you already have a judgment, or if you are currently being sued and the lawsuit might result in a judgment, you might be wondering... What, exactly, is a judgment? What will happen to me if I get a judgment against me? And what can I do if I already have a judgment against me? Here are the basics from our Houston debt settlement attorney: A judgment is a court order that requires you to pay t…Read More

  6. How long can a judgment stay on my credit report?

    A judgment can remain on your credit report as long as it is "valid" or "active."  In Texas, judgments are valid ("active") for at least 10 years and they can be renewed for another 10 years after that, and then another 10 year after that, and so on, indefinitely. So, legally, the judgment could remain on your credit report forever, or until you settle it or pay it. Learn how it works from our D…Read More

  7. When is my Answer due?

    You’ve been served with a lawsuit.  The cover sheet (the “citation”) says that you need to file your answer and gives you some kind of deadline to do it. But the deadline it gives you is not an actual date.  It’s a number of days after you “were served with the petition and citation.”  Or, worse yet, it says something like “the Monday next following the expiration of 20 days”? W…Read More

  8. What happens if I don’t file my Answer on time?

    You got served with a lawsuit a while back, and you haven’t filed an answer yet. Or maybe you never even knew about the lawsuit and first found out about it after your answer was already late. Either way, you’re wondering:  “What happens if I don’t (or if I didn’t) file my answer on time?” Our Katy debt relief attorney has your answers. You might get a default judgment If your answer…Read More