Our goal is always an outright dismissal of your debts
Consumers are often unaware that creditors and third-party creditors have inadequate records to prove their case. Our attorneys strive to keep these faulty and unreliable business records out of evidence. When we are most successful, the creditor dismisses the case, and our Case Results
list shows just how common such dismissals were as recently as 2016. In that year, in 22 actions with the National Collegiate Student Loan Trust, we got the action dismissed or a result where our client paid nothing.
Being in debt is difficult enough without dealing with the complexities of a lawsuit. You may be suffering at the hands of ruthless agencies that ignore the debt collector laws of the United States and the State of Texas. At the Law Office of David A. Fernandez, P.C., you receive the help of Houston consumer law attorneys who treat you with the respect you deserve while tirelessly defending you in and out of court. We always fight for an outright dismissal of your debts. When a full dismissal isn't possible, we negotiate your debt settlement to ensure that you pay the least amount of money possible on that alleged debt.
Tackling your debt outside of the courtroom
Our lawyers won’t rest until we resolve your issue in the best possible way for you. After more than 25 years offering rigorous legal assistance to clients, we believe that there is a solution for every problem. We also believe that offering you a variety of services makes it easier for you to pursue the best options for your case. We’re ready to assist with:
- Debt defense — Our firm takes a comprehensive approach to debt defense that includes handling medical debt, defending credit card collection suits and other debt collector suits, debt negotiation, and judgment defense. We also assist small businesses with commercial debt restructuring.
- Consumer bankruptcy — If you would be best served by filing consumer bankruptcy, we can guide your through the process to maximize the protections you receive under the law, including your state exemptions. Whether you need a quick discharge of your eligible debt under Chapter 7 or a restructure of consumer debt under Chapter 13 that allows you to keep your house, we provide capable case management focused on delivering the best possible results.
- Federal consumer protection violations — When collectors abuse your rights, federal law allows you to strike back. Our firm represents consumer plaintiffs in actions under the Fair Debt Collection Practices Act and the Telephone Consumer Protection Act.
- Credit repair — A poor credit report can hold you back when buying a home or a car, or applying for a job. Although you could try to fix it on your own, a knowledgeable credit repair lawyer can help significantly by identifying errors, negotiating with the credit reporting agency to amend the report, negotiating settlements with creditors, and defending you from a creditor lawsuit.
When you are under the pressure of crushing debt, it’s easy to lose hope. Unfortunately, you’d be surrendering rights you probably didn’t even know you had. The better course is to consult a determined consumer protection lawyer to learn about your rights and your legal options. Our law firm is ready to give you the fighting chance you deserve to reduce or eliminate your debt once and for all.