Houston Attorneys:Board Certified Bankruptcy Lawyer

713-623-4242

Marshall Credit Card Lawsuit Attorney

Weston & Associates defends lawsuits brought by debt collectors in Marshall . Weston & Associates has extensive experience in fighting or settling lawsuits with the following debt collectors:

Pharia LLC, Portfolio Recovery, Discover Bank, Dodeka LLC, LVNV Funding, LLC, Capital One Bank, Unifund CCR Partners, Arrow Financial LLC, Midland Funding LLC, Citibank, Pinnacle Credit, Hudson & Keyes, LVNV, Target National Bank, and American Express are collectors engaged.

We are licensed for Texas only and can not help those out of state, This Link can get you a referral to the attorney for your needs.

Marshall Credit Card Lawsuit Defense

(We FIGHT junk debt lawsuits) (for more information see our "collection lawsuits"page and our "judgments in Texas" page)

Mike Weston has successfully defended hundreds of credit card lawsuits across texas over the past few years. Below is a guide which will hopefully answer some of the burning questions that you have.

First, I understand that nobody likes to be sued. This may be the first time you have ever been sued. If you have been sued by a debt purchaser for an old debt, the first thing you need to realize is that you are not alone. There are thousands of consumers in Marshall who are sued every month on debt that is usually three to four years old. Unfortunately most consumers make the mistake of not hiring an attorney to defend the lawsuit. The debt purchasing business has exploded in recent years. Debt purchasers buy portfolios of debt for as little as three cents on the dollar. The purchasers then farm the debt out to local collection attorneys who file individual lawsuits. Under Texas law, they only have four years to sue you from the time you made your last payment.

Why do they file the lawsuits?

They file the lawsuits because they want to get a Marshall judgment against you. With a judgment, the debt purchaser has a lot more power to collect from you than it did without a judgment. With a judgment, the purchaser can forcibly take money out of your bank account. This is called a garnishment. They cannot garnish your wages in Texas, but after you deposit your paycheck, the funds are no longer “wages” and they can be seized. Another popular reason they try to get a judgment is to hold onto the judgment until you try to buy, sell, or re-finance a home. A lot of times your lender will force you to pay off or settle a judgment prior to lending any money to you. A judgment lasts for 10 years and can be renewed. Needless to say, you don’t want to have a judgment against you.

Marshall Consumer Law

All too often creditors and collection agencies cross the line with their predatory collection tactics. If you have been receiving abusive collection calls and threats, then your rights may have been violated.

Federal Fair Debt Collection Practices Act (FDCPA) (for more information see our "we sue debt collectors" page)

Texas Deceptive Trade Practices Act (DTPA)

Marshall Debt Collection Abuse

Common Violations:

• Constantly calling you at work when you have asked/told them not to.

• Revealing your debt to third parties.

• Leaving messages and not revealing they are a debt collector.

• Threatening a lawsuit when they do not intend on bringing one.

• Claiming that you can or will be arrested if you do not pay the debt.

• Claiming that a judgment will occur immediately if you do not pay.

• Claiming that they can garnish your wages if you do not pay.

• Claiming that they will put a lien on your house if you do not pay.

Marshall Debt Settlements

Bankruptcy is not for everyone.  At Weston & Associates we offer Bankruptcy alternatives, including debt settlement.  We can work with your creditors and attempt to settle your debt for pennies on the dollar.   It is dangerous to try and settle a debt without having a written settlement agreement.  All too often consumers “settle” debts only to have the debts re-appear years later.   If you are interested in trying to settle your debt and you have not been sued, please fill out our debt settlement questionnaire.

Fields Marked * are required
Email from * :
First name :
Last name :
Please list all of your debts including the amounts due and the name of the creditors. :
What is the maximum lump sum you could pay to settle the debt? :
If a lump sum is not possible, what is the maximum monthly payment you could make? :
Please explain any other circumstances you would like us to know. :

Marshall Credit Repair

Having good credit is very important.  At Weston and Associates we can assist you in attempting to rebuild your credit or dispute inaccurate information that is reporting on your credit report.  

 

Principal Location, Focusing on Bankruptcy and Credit Card/Debt Collection Lawsuit Defense

Weston & Associates, PLLC
5001 Bissonnet, Suite 200
Bellaire, Texas 77401 map
Phn - 713.623.4242
Fax - 713.623.2042


 

Weston & Associates, PLLC, also serves other areas in the Houston area including:

Houston, Pasadena, Baytown, La Porte, Channelview, Deer Park, Katy, Cypress, Tomball, Sugar Land, Pearland, The Woodlands, Galveston, Clear Lake, Kemah, Dickinson, Richmond, and Hempstead