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2190 N. Loop West, Suite 333 | Houston, Texas 77018
who we are

Houston Debt Defense Litigation Attorneys Fight for Your Rights

Vigorous defense against debt collection lawsuits in Texas

Facing a credit card or debt collection lawsuit is a frightening experience. It feels like your debt keeps growing and that the angry letters and harassing phone calls will never stop. When you’re angry with collectors or scared about your future, you want an attorney who will defend you relentlessly in the courtroom. You want an attorney who won’t back down. You will find such an attorney at the Law Office of David A. Fernandez, P.C., in Houston.

Relentless defense lawyers protecting debtors’ rights

Our law firm is founded on the proposition that all people have the right to live in dignity. When abusive creditors try to rob our clients of their dignity, we are determined to provide relief. Past clients who’ve relied on us know that we are:

  • Respected — Over more than 25 years, our law practice has built a reputation for highly professional and ethical service.
  • Tenacious — We do more than negotiate reductions in debt. We go to court to fight on your behalf.
  • Comprehensive — As a practice that focuses on consumer protection law, we do more than just put an end to creditor harassment: we create lasting solutions to your problems.

Runaway debt takes away your autonomy and your freedom. When you're ready to take back control of your life, David Fernandez and his team will fight for you in court.

what we do

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:

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.

contact us today!

Schedule your free telephone consultation with a Houston debt defense attorney

At the Law Office of David A. Fernandez, P.C., we focus on your needs first in debt defense matters, offering seasoned advice and strong advocacy. We are always prepared to protect your interests in court. To make an appointment with a reputable lawyer in our uptown Houston office, call 713-893-8509 or contact our firm online.


Our Recent Lawsuits Filed Against Creditors
  • "MC vs. Conn's" - $553,000

  • "LC vs. Conn's" - $1,026,000

  • "AR vs. Conn's" - $778,500

  • "BB vs. Conn's" - $672,000

  • "GD vs. Conn's" - $636,000

  • "David Fernandez won my case against Midland Funding. What a relief. Thanks so much" - Anthony

  • "David fought multiple of our suits and won when every other lawyer said it wasn’t possible. So thankful for his services" - Jennifer

  • "This guy is the BEST Lawyer I've ever hired. I've been in business for over 46 years and have NEVER won a lawsuit until now! Highly Recommended" - Ron

  • "Mr. Fernandez was the best! He took care of me when my own company's lawyers program did not. I will always recommend him" - Linda

  • "Mr. Fernandez goes above and beyond to help his clients. I highly recommend his law office." - Lorie A.

In the News
  • Texas woman receives a $17,000 bill for a 2-mile ambulance ride

    HOUSTON, TX - Some rides can be very, very expensive. What started as a fun weekend with the gal pals in Galveston, ended in more than a big headache...

  • David A. Fernandez, Attorney Of The Month

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