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David A. Fernandez
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David A. Fernandez Chosen as Lawyer of Distinction

Houston debt defense litigation attorney David A. Fernandez has been admitted for 2022 membership to the Lawyers of Distinction, a roster of elite attorneys nationwide who stand out based on high achievement and recognition by their peers. This honor is bestowed on the top 10 percent of lawyers in the country by practice area, and Read More

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When and How Can I Eliminate Old Items from My Credit Report?

Many debt problems result from temporary situations where underlying financial problems arise from something out of the debtor’s control. A job loss, divorce, medical crisis or home repair might set you back for a few months or even longer. When the situation normalizes, you’re able to meet your obligations once again, but what about the Read More

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What Is the Difference Between Credit Restoration and Credit Counseling?

There are varied ways to deal with debt problems and several different measures that might be taken as you look to regain financial stability. However, if you lack a proper understanding of your options, you might not be doing everything you can to get back on your feet. Many people facing heavy debt ask whether Read More

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Do’s and Don’ts of Getting a Loan During Credit Repair or Restoration

Improving your credit rating involves taking positive actions that demonstrate to creditors that you are a good borrowing risk. Getting a personal loan can be an effective part of the strategy, since it allows you to establish a sound record of repayment. But you may also be in the process of repairing or restoring your Read More

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Credit Repair Efforts Didn’t Go as Expected? Restoration May Be a Better Plan

Credit repair, if handled right, can be an effective tool for rebuilding your reputation as a borrower. But if it doesn’t work out — whether you tried it yourself or used a credit consultant — you may find yourself still saddled by a negative credit history that’s keeping you from buying a house, getting a Read More

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How Long Does Credit Repair and Restoration Take?

An individual’s credit score is based on information compiled in periodic reports issued by the three big credit reporting agencies. The problem for many people is that their credit reports contain incorrect or improper information. If this happens to you, there are remedies available, known as credit repair and restoration. These are methods of disputing Read More

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Removing a Lien Put on Your Home by a Texas Judgment Creditor

Texas law protects homeowners from certain debt collection practices. One of the protections is the “homestead exemption,” which in general prohibits a creditor from forcing the sale of a debtor’s home to collect on a debt. If a creditor nevertheless takes action against homestead property, the debtor has legal remedies available. When a creditor sues Read More

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Ways to Escape From Medical Debt

Overwhelming medical bills have long been major causes of financial hardship and the problem has worsened during the pandemic. A summer 2020 survey showed that 46 percent of respondents had outstanding medical bills and 56 percent had medical debt sent for collection at some point in their lives. Medical debt is a driving factor in Read More

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How Long Does a Bankruptcy Stay on Your Credit Report?

Many people fear that filing for bankruptcy will be a permanent black mark on their credit rating. They may avoid bankruptcy in the hope that they will be able to salvage their creditworthiness but instead end up digging themselves further into a financial hole. In truth, a bankruptcy filing has only a temporary effect, and Read More

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Creditors Offer Relief to People Who Lost their Jobs During COVID-19

During the recession caused by the pandemic, you probably received some sort of benefit from the government, such as stimulus checks, paused student loan payments or housing-related assistance. But you may still be experiencing financial hardship because of COVID-19’s impact on the economy. If so, you should consider taking advantage of additional debt relief options Read More

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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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