Our website is https://floridacreditlaw.com/
Flat Fee Services
Transparent pricing quoted upfront before commencing work
Clear scope of services outlined in our engagement letter
Flexible payment plans available for fees exceeding $300
No unexpected or hidden charges
Payment options include credit cards, electronic transfers, and checks
Flat Fee Litigation Services
Initial filing or response fee quoted before beginning representation
Predictable monthly fee structure during ongoing litigation
Clear breakdown of costs and services provided
Upfront payment required for initial court filings
Monthly billing cycle with detailed invoices
Additional court costs and filing fees explained in advance
Contingency Fee Arrangements
No attorney fees unless we successfully resolve your case
Percentage-based fee structure clearly defined at engagement
Client responsible only for case-related costs and expenses
Transparent accounting of all costs incurred
Fee percentage may vary based on:
Case complexity
Stage of resolution
Amount of recovery
Required resources
Additional Fee Information:
All fee arrangements are detailed in written agreements
Clear explanation of costs versus attorney fees
Regular updates on case expenses and billing
Discussion of fee structure during initial consultation
Opportunity to review all agreements before proceeding
We are committed to transparency in our billing practices and will thoroughly discuss all fee options during your consultation to determine the most appropriate arrangement for your situation.
You can schedule a free consultation at https://can.tocall.me
Specialized Focus
Consumer protection law
Texas & federal consumer regulations
Credit reporting, debt collection, & auto repossession cases
Personalized Approach
Direct attorney access
Customized legal strategies
Regular case updates
Prompt responses & clear explanations
Long-term financial & legal goals
Proven Experience
Successful consumer advocacy
Experience with major creditors
Favorable settlements & litigation outcomes
Respected reputation & strong relationships
Client-Centered Philosophy
Transparent fees
Flexible scheduling
Educational approach
Cost-effective & results-oriented
Local Expertise
Texas consumer protection laws
Local courts & procedures
Strong local presence
Regional business practices & consumer issues
You can schedule a free consultation at https://can.tocall.me
We proudly serve consumers across the entire state of Texas, with a focus on providing accessible and effective legal support.
If you are a consumer outside of Texas, you may be able to find a local attorney at the National Association of Consumer Credit Attorneys (NACCA)
You can schedule a free consultation at https://can.tocall.me
We proudly serve consumers across the entire state of Texas, with a focus on providing accessible and effective legal support.
If you are a consumer outside of Texas, you may be able to find a local attorney at the National Association of Consumer Credit Attorneys (NACCA)
You can schedule a free consultation at https://can.tocall.me
During our complimentary initial consultation, we conduct a thorough evaluation of your consumer rights matter to determine whether legal action is the optimal approach or if alternative solutions might better serve your objectives. Our assessment considers these essential factors:
Potential Legal Violations
Fair Credit Reporting Act (FCRA) violations
Fair Debt Collection Practices Act (FDCPA) infractions
Truth in Lending Act (TILA) breaches
Unfair or deceptive business practices
Contract violations
State consumer protection law violations
Evidence Assessment
Documentation of communications with creditors or collectors
Records of financial transactions
Copies of credit reports and dispute responses
Relevant correspondence and notifications
Timeline of events and interactions
Damages Evaluation
Financial losses
Credit score impacts
Lost opportunities due to credit denials
Potential statutory damages
Viability Factors
Statute of limitations considerations
Strength of available evidence
Pattern of misconduct
Likelihood of successful resolution
Cost-benefit analysis of legal action
Our experienced team will provide honest feedback about your case’s merits and recommend the most appropriate course of action for your situation. We believe in transparent communication about your legal options and potential outcomes.
You can schedule a free consultation at https://can.tocall.me
Yes, we offer a free initial consultation to discuss your case and determine how we can help.
You can schedule a free consultation at https://can.tocall.me
We help Texas consumers with the following issues:
- Debt Lawsuits
- Judgment Resolution
- MCA Debt Defense
- Arbitration
- Bankruptcy
- Credit Reporting • FCRA Violations
- Debt Collector Abuse • FDCPA Violations • Apartment Collections • Auto Issues • Debt Buyers • Medical Billing & Collection • Telecom • Utility Debt
- Identity Theft
- Mortgage, Real Estate, and Housing Issues
- Predatory Lending
- Service Member Credit Issues
- Student Loans
- Foreclosure Defense
- File Bankruptcy
We strive to be a full service law firm. Please contact us with any other legal needs by Scheduling a Phone Call
We help Texas consumers with the following issues:
- Debt Lawsuits
- Judgment Resolution
- MCA Debt Defense
- Arbitration
- Bankruptcy
- Credit Reporting • FCRA Violations
- Debt Collector Abuse • FDCPA Violations • Apartment Collections • Auto Issues • Debt Buyers • Medical Billing & Collection • Telecom • Utility Debt
- Identity Theft
- Mortgage, Real Estate, and Housing Issues
- Predatory Lending
- Service Member Credit Issues
- Student Loans
- Foreclosure Defense
- File Bankruptcy
We strive to be a full service law firm. Please contact us with any other legal needs by Scheduling a Phone Call
No. Only one law firm can represent you on your issue at a time. We can not represent you until the other law firm no longer represents you. We can not speak to you further about your case.
No. Only one law firm can represent you on your issue at a time. We can not represent you until the other law firm no longer represents you. We can not speak to you further about your case.
Customer Service or current clients go to https://jghcs.tocall.me
Intake or New Clients go to https://can.tocall.me
Attorneys or Courts go to https://litigation.tocall.me
Creditors or Debt Collection go to https://frank.tocall.me
Yes. We have offices in Dallas, TX, Colleyville, TX and Houston, TX. We do require appointments to be scheduled for all in person office visits. We can also do consultations over the phone or via video chat
The addresses are:
Dallas | 1409 Botham Jean Blvd. Dallas, TX 75215
Colleyville | 5209 Heritage Ave, Ste 510 Colleyville, TX 76034
Houston | 1225 North Loop West, Suite 550 Houston, Texas 77008
To schedule an office appointment call (800) 891-6988 or go to https://can.tocall.me – in the comment section let us know which office you would like to come into. Please do not arrive until we have confirmed an in-person appointment.
Monday to Thursday 9am to 6pm CST
Friday 9am to 1pm CST
To resolve emails going to the spam folder please whitelist our two email addresses in your email system. Go to https://floridacreditlaw.com/whitelist-emails/ to learn how to White List our emails in your system.
The two emails you need to White List are cs@cannonlegalpllc.com and cs@creditprelitigation.com
To resolve emails going to the spam folder please whitelist our two email addresses in your email system. Go to https://floridacreditlaw.com/whitelist-emails/ to learn how to White List our emails in your system.
The two emails you need to White List are cs@cannonlegalpllc.com and cs@creditprelitigation.com
Yes. Go to https://help.cannonlegalpllc.com
For Customer Service call (877) 414-7388
For Intake / New Clients call (800) 891-6988
For Courts and Attorneys call (214) 506-2500 #5
For Creditors call (214) 506-2500 #6
The customer service email and main email is cs@cannonlegalpllc.com
You can send documents to us via the following methods
- Secure Upload https://floridacreditlaw.com/uploads/
- Email to docs@cannonlegalpllc.com
- Fax to (214) 989-6790
- Mail to J. Gannon Helstowski Law Firm PO Box 131169 Dallas TX 75313
If they object to the Texas partial release we will have to go before a judge to resolve the issue. The only reason that they can object to the Texas partial release is if the property being sold or refinanced is really not your homestead.
No. Because there are over $180 in hard costs such as county filing fees and certified mail fees, we do not allow a payment plan.
No. There are several filings that have to be made in the county record, mailings to be sent to the judgment creditor via Certified Mail, and a mandatory 30 day waiting period.
We can accept funds paid at closing, provided that your judgment negotiation fee is more than $750 and you have paid ½ of the legal fees to get started. For example, if your judgment settlement costs $1250 with us, you can pay $625 to get us started and $625 from the title company when you close.
Many judgment creditors will take from 30-90 days to issue a release of judgment. The title company will not close on the property until the release of judgment is filed in the county or court. This can significantly delay your closing and you may lose a buyer or seller. If the title company issues the check to the judgment creditor directly, they can close immediately and do not need to wait for the release of judgment.
Many judgment creditors will take from 30-90 days to issue a release of judgment. The title company will not close on the property until the release of judgment is filed in the county or court. This can significantly delay your closing and you may lose a buyer or seller. If the title company issues the check to the judgment creditor directly, they can close immediately and do not need to wait for the release of judgment.
First, we will lawsuit that created the judgment and discuss your goals to determine which type of judgment settlement is right for you. Then, we will create an engagement agreement that outlines the judgment creditors to be contacted, your goals and our fees. This agreement will be sent to you electronically for your review and signature. After you sign the agreement and make the first payment, we will begin working on your case. You will receive a welcome email and phone call once we start working for you. You can also schedule a payment plan and complete any other necessary paperwork online.
If you’re closing on a home and need to settle a judgment, we can negotiate a settlement and arrange for the title company to pay the judgment creditors directly from the closing proceeds. You may need to bring additional funds to closing to satisfy the judgment. We will need to know the name of your title company and escrow officer.
After you hire us, we’ll gather information about your difficult situation and make a strong initial settlement offer to the company that sued you. This offer will highlight the specific problems you’re facing. We’ll negotiate until everyone agrees on a settlement amount. During this process, we’ll stay in touch with you, letting you know about all settlement offers and giving you professional advice and guidance on what to do next.
When everyone agrees on a settlement amount, we’ll write up a formal settlement agreement for you to sign. We will send the settlement agreement to the title company. After they receive the final payment, we’ll get the judgment released, file it in the correct court and county for you, and give you the filed release of judgment for your records.
In Texas, a judgment carries a minimum default interest rate of 5% per annum. The judgment creditor is also allowed to add collection costs and fees on to the judgment amount.
There are numerous resources available to student loan borrowers. You can find information on federal loan programs and repayment options at studentaid.gov. The Consumer Financial Protection Bureau (CFPB) website (consumerfinance.gov) offers tools and resources for student loan borrowers. In Texas, you can also contact legal aid organizations for free or low-cost legal assistance and the Texas Attorney General’s Consumer Protection Division for complaints and information.
There are various federal student loan forgiveness programs, such as Public Service Loan Forgiveness (PSLF) and income-driven repayment forgiveness. Eligibility requirements vary depending on the program. We can help you understand these programs and assess whether you might qualify.
If you are served with a lawsuit related to your student loan debt, it is crucial to respond to the lawsuit promptly. Failure to do so can result in a default judgment against you. Contact our firm or another qualified attorney immediately to discuss your case and understand your legal options and defenses.
In Texas, your wages cannot be garnished for private student loan debt without a court order due to state law. However, the federal government can administratively garnish wages for federal student loan debt that is in default, without a court order, after providing notice and an opportunity for a hearing.
Be wary of unsolicited calls or emails promising immediate student loan forgiveness in exchange for upfront fees or your FSA ID. Legitimate federal loan programs are free to apply for through the Department of Education website (studentaid.gov). Remember, “only scammers promise fast loan forgiveness”. Report any suspected scams to the Texas Attorney General and the FTC.
While it is generally more difficult to discharge student loans in bankruptcy compared to other types of debt, it is possible under certain circumstances, such as proving undue hardship. If you are considering bankruptcy, it is essential to consult with a bankruptcy attorney who is knowledgeable about student loan discharge to understand your options and the specific requirements in Texas.
While it is generally more difficult to discharge student loans in bankruptcy compared to other types of debt, it is possible under certain circumstances, such as proving undue hardship. If you are considering bankruptcy, it is essential to consult with a bankruptcy attorney who is knowledgeable about student loan discharge to understand your options and the specific requirements in Texas.
Federal student loan borrowers have the right to apply for income-driven repayment plans, which can lower your monthly payments based on your income and family size. You may also be eligible for deferment or forbearance under certain circumstances, such as unemployment or financial hardship. Contact your loan servicer immediately to explore these options.
You have the right to dispute errors on your student loan account by sending a written dispute letter to your loan servicer. Similarly, you can dispute inaccuracies on your credit report directly with the credit bureaus (Equifax, Experian, TransUnion). The servicer and credit bureau are then obligated to investigate and correct any verified errors. If the errors are not corrected, you can file a complaint with the CFPB.
If you are being harassed by a student loan debt collector, you have the right to send a cease communication letter demanding they stop contacting you. Keep a record of all communications, and be aware that debt collectors are prohibited from using abusive tactics, making false threats, or contacting you at certain times or places. You can also file complaints with the CFPB and the Texas Attorney General and consider legal action for violations of the FDCPA and TDCA.
As a student loan borrower, you have numerous rights under federal and Texas law. These include the right to accurate information about your loan, the ability to apply for alternative repayment plans for federal loans, options for forbearance and deferment if eligible, and protection against wage garnishment for private student loans in Texas without a court order. You also have the right to dispute errors on your loan and credit reports and to be free from harassment by debt collectors.
We offer confidential consultations to discuss your situation and explain our fee structure. In some cases, we may be able to offer alternative fee arrangements depending on the type of case and potential recovery.
Contact our office for a free consultation. We can review your situation and advise you on your eligibility for these protections based on your military status and the specifics of your case.
You should send a formal cease communication letter via certified mail, referencing the FDCPA. Keep a copy of the letter and the mailing receipt. If the calls continue, contact our office; this could be a violation of federal law.
You should gather all loan documents and contact our office for a review. You can also file a complaint with the Consumer Financial Protection Bureau (CFPB). Violations of the MLA can have serious consequences for lenders.
You should gather all loan documents and contact our office for a review. You can also file a complaint with the Consumer Financial Protection Bureau (CFPB). Violations of the MLA can have serious consequences for lenders.
The SCRA and Texas Property Code § 51.015 provide protection against foreclosure without a court order while you are on active duty and for a period after your service ends, for mortgages originated before your active duty.
Yes. Under the SCRA, you have the right to request that the interest rate on debts you incurred before active duty be capped at 6% for the duration of your service. You need to notify the lender in writing with a copy of your orders.
Under the SCRA and Texas Property Code § 92.017, you can typically terminate your residential lease without penalty by providing written notice and a copy of your military orders to your landlord.
Under the SCRA and Texas Property Code § 92.017, you can typically terminate your residential lease without penalty by providing written notice and a copy of your military orders to your landlord.
No. The Fair Debt Collection Practices Act (FDCPA) and the Texas Debt Collection Act (TDCA) prohibit debt collectors from contacting your chain of command regarding your debts. This is considered harassment.
The Military Lending Act (MLA) protects active-duty service members, their spouses, and certain dependents from predatory lending practices by imposing a 36% Military Annual Percentage Rate (MAPR) cap on many types of credit and prohibiting certain terms like mandatory arbitration clauses.
The Servicemembers Civil Relief Act (SCRA) is a federal law that provides numerous protections to active-duty military personnel, including capping interest rates on pre-service debts at 6% upon notification, allowing for the termination of leases under certain circumstances, and protecting against default judgments and foreclosures without court orders.
You can file complaints with the Texas Office of Consumer Credit Commissioner (OCCC), the Texas Attorney General’s Consumer Protection Division, and the federal Consumer Financial Protection Bureau (CFPB).
In many cases, having legal representation can actually improve the situation. Lenders are often more willing to negotiate fairly when they know you have legal counsel. Your attorney will handle communications with the lender on your behalf, protecting you from further harassment.
Please bring all relevant loan documents, payment history, and any communications you’ve had with the lender.
We offer confidential consultations to discuss your situation and explain our fee structure. In some cases, we may be able to represent you on a contingency fee basis, meaning you don’t pay attorney’s fees unless we recover money for you.
Even if you’ve made payments, you may still have legal options. We can review your case to determine if the lender violated consumer protection laws and explore options for recovering the money you’ve overpaid.
Even if you’ve made payments, you may still have legal options. We can review your case to determine if the lender violated consumer protection laws and explore options for recovering the money you’ve overpaid.
Yes. The FDCPA and Texas law prohibit debt collectors from using abusive tactics like making threats, calling at unreasonable hours, or contacting third parties about your debt. We can send a cease and desist letter and take legal action if the harassment continues.
Yes. The FDCPA and Texas law prohibit debt collectors from using abusive tactics like making threats, calling at unreasonable hours, or contacting third parties about your debt. We can send a cease and desist letter and take legal action if the harassment continues.
We can review your loan, advise you of your rights, help you file complaints with regulatory agencies, negotiate with the lender, and if necessary, pursue legal action to recover damages and stop the predatory practices.
Several laws protect consumers, including the Texas Deceptive Trade Practices Act (DTPA), various chapters of the Texas Finance Code, and federal laws like the Fair Debt Collection Practices Act (FDCPA) and the Truth in Lending Act (TILA). Military members have additional protections under the Servicemembers Civil Relief Act (SCRA) and the Military Lending Act (MLA).
Several laws protect consumers, including the Texas Deceptive Trade Practices Act (DTPA), various chapters of the Texas Finance Code, and federal laws like the Fair Debt Collection Practices Act (FDCPA) and the Truth in Lending Act (TILA). Military members have additional protections under the Servicemembers Civil Relief Act (SCRA) and the Military Lending Act (MLA).
Warning signs include extremely high interest rates (often in triple digits), large fees, repeated refinancing that doesn’t reduce the principal, balloon payments you can’t afford, high-pressure sales tactics, and a lack of clear disclosure of loan terms.
Warning signs include extremely high interest rates (often in triple digits), large fees, repeated refinancing that doesn’t reduce the principal, balloon payments you can’t afford, high-pressure sales tactics, and a lack of clear disclosure of loan terms.
Predatory lending refers to unfair or deceptive loan practices that exploit borrowers’ vulnerability through excessive interest rates, hidden fees, and other abusive terms.
Texas has various legal aid organizations that provide free or low-cost legal assistance to eligible individuals. We can provide you with referrals to these resources. You can also explore resources like TexasLawHelp.org or ConsumerCreditLaw.org.
Texas law outlines procedures for tenants to request repairs from their landlords. If your landlord fails to make necessary repairs, you may have certain legal options, such as terminating the lease or making repairs yourself and deducting the cost from your rent.
Texas law provides tenants with certain rights in eviction proceedings. We can review the eviction notice and help you understand your options for responding and potential defenses you may have.
Do not pay any upfront fees. Contact us immediately, and we can advise you on filing complaints with the Texas Attorney General and the Federal Trade Commission (FTC). We can also explore potential legal action to recover any funds you may have lost.
In many cases, filing bankruptcy, particularly Chapter 13, can temporarily stop a foreclosure by invoking an automatic stay. This can provide time to explore options like catching up on missed payments through a repayment plan.
We can help you send a formal Notice of Error to your servicer and explore legal action if they fail to correct the errors or comply with federal regulations. You also have the option to file complaints with regulatory agencies like the CFPB.
Predatory lending involves unfair or deceptive loan terms that take advantage of borrowers. This can include excessively high interest rates, hidden fees, or deceptive practices. We can review your loan documents to determine if your loan may be predatory and advise you on potential legal remedies.
Time is critical. Contact us immediately so we can review the notice for compliance with Texas law, discuss your options for stopping or delaying the foreclosure, such as loss mitigation or bankruptcy, and explore potential legal defenses.
Time is critical. Contact us immediately so we can review the notice for compliance with Texas law, discuss your options for stopping or delaying the foreclosure, such as loss mitigation or bankruptcy, and explore potential legal defenses.
A QWR is a formal written request to your mortgage servicer about errors or for information about your loan. Sending a QWR triggers the servicer’s legal duty to respond and investigate your concerns, which can help resolve issues like misapplied payments or incorrect fees.
A QWR is a formal written request to your mortgage servicer about errors or for information about your loan. Sending a QWR triggers the servicer’s legal duty to respond and investigate your concerns, which can help resolve issues like misapplied payments or incorrect fees.
We can review your situation and help you understand options like loan modification, forbearance, repayment plans, or other loss mitigation programs offered by your lender. We can also advise you on the foreclosure process in Texas.
We can review your situation and help you understand options like loan modification, forbearance, repayment plans, or other loss mitigation programs offered by your lender. We can also advise you on the foreclosure process in Texas.
Potential outcomes include stopping harassment, negotiating a more favorable repayment plan or settlement, defending against a lawsuit or confessed judgment, and potentially recovering damages if the MCA lender violated the law.
We offer a consultation to discuss your case and our fee structure. Fees may vary depending on the complexity of your situation.
We offer a consultation to discuss your case and our fee structure. Fees may vary depending on the complexity of your situation.
Typically, we will need a copy of your Merchant Agreement, payment history, all communications with the MCA lender and collectors, and details about your business’s financial situation.
Typically, we will need a copy of your Merchant Agreement, payment history, all communications with the MCA lender and collectors, and details about your business’s financial situation.
We will discuss the best course of action with you based on your specific situation. In some cases, continuing payments may be advisable, while in others, it may be better to conserve funds while we negotiate.
We will discuss the best course of action with you based on your specific situation. In some cases, continuing payments may be advisable, while in others, it may be better to conserve funds while we negotiate.
Many MCA agreements require ACH access. If you are in default, they may attempt to withdraw funds. We can advise you on strategies to protect your account, while also considering the potential legal ramifications.
Many MCA agreements require ACH access. If you are in default, they may attempt to withdraw funds. We can advise you on strategies to protect your account, while also considering the potential legal ramifications.
If the lender engaged in false, misleading, or deceptive practices, you may have a claim under the Texas Deceptive Trade Practices Act (DTPA), and we can help you explore your legal options.
Can the J. Gannon Helstowski Law Firm help me negotiate a lower repayment amount with my MCA lender?
Yes, our attorneys have experience negotiating with MCA lenders to modify payment terms, reduce the outstanding balance, and reach settlements.
A confession of judgment (COJ) clause may allow the lender to obtain a judgment against you in another state without a full legal proceeding. We can analyze the COJ and explore options to challenge its validity or enforcement in Texas and other states..
You have the right to tell them to stop. Our firm can send a cease and desist letter on your behalf to stop the harassment and ensure all communication goes through us.
An MCA is a funding option for businesses where a lender provides an upfront sum in exchange for a portion of the business’s future sales. While not technically a loan, they often function like high-interest, short-term financing.
A lawyer can provide expert advice on your rights, help you navigate the collection process, and potentially represent you if your rights have been violated or if you are facing a lawsuit.
Yes, we can assist you at any stage of the debt collection process.
Generally, the statute of limitations for debt collection in Texas is four years from the date of last activity on the account.
Generally, the statute of limitations for debt collection in Texas is four years from the date of last activity on the account.
- Yes, utility providers or their debt collectors can file a lawsuit to recover unpaid debts. It’s important to respond to any lawsuit promptly.
You have the right to dispute inaccurate information on your credit report with the credit bureaus.
The FDCPA is a federal law that protects consumers from abusive and deceptive debt collection practices nationwide, including those related to utility debt.
The FDCPA is a federal law that protects consumers from abusive and deceptive debt collection practices nationwide, including those related to utility debt.
The TDCA is a Texas state law that regulates the actions of debt collectors, including those collecting utility debt, outlining what they can and cannot do.
The TDCA is a Texas state law that regulates the actions of debt collectors, including those collecting utility debt, outlining what they can and cannot do.
Under the FDCPA and TDCA, you have the right to tell a debt collector to cease communication with you by sending a written request.
Under the FDCPA and TDCA, you have the right to tell a debt collector to cease communication with you by sending a written request.
You should immediately dispute the debt in writing with the collection agency and request validation of the debt.
You should immediately dispute the debt in writing with the collection agency and request validation of the debt.
- You have rights under the FDCPA and TDCA that protect you from abusive and unfair collection practices.
A lawyer can provide expert advice on your rights, help you navigate the collection process, and potentially represent you if your rights have been violated.
Yes, we can assist you at any stage of the debt collection process.
- Generally, the statute of limitations for debt collection in Texas is four years from the date of last activity on the account.
Yes, you can be sued for unpaid debts, including telecom bills. It’s important to respond to any lawsuit promptly.
Yes, you can be sued for unpaid debts, including telecom bills. It’s important to respond to any lawsuit promptly.
You have the right to dispute inaccurate information on your credit report with the credit bureaus.
You have the right to dispute inaccurate information on your credit report with the credit bureaus.
The FDCPA is a federal law that protects consumers from abusive and deceptive debt collection practices nationwide, including those related to telecom debt.
The FDCPA is a federal law that protects consumers from abusive and deceptive debt collection practices nationwide, including those related to telecom debt.
The TDCA is a Texas state law that regulates the actions of debt collectors, including those collecting telecom debt, outlining what they can and cannot do.
The TDCA is a Texas state law that regulates the actions of debt collectors, including those collecting telecom debt, outlining what they can and cannot do.
Under the FDCPA and TDCA, you have the right to tell a debt collector to cease communication with you by sending a written request.
You should immediately dispute the bill in writing with both the telecom provider and the collection agency, requesting verification of the debt.
You have rights under the FDCPA and TDCA that protect you from harassment and unfair collection practices.
You have rights under the FDCPA and TDCA that protect you from harassment and unfair collection practices.
Illegal actions can include harassment (repeated calls, threats), false statements about the debt or the consequences of non-payment, contacting third parties about your debt, or attempting to collect on a debt that is not valid.
The DTPA protects consumers against false, misleading, and deceptive acts or practices. If a medical provider engages in deceptive billing, misrepresents the cost of services, or acts unconscionably, it could be a violation of the DTPA.
A lawyer can provide expert advice on your rights, help you navigate complex legal processes, negotiate with creditors, and represent you in court if necessary, potentially leading to a more favorable outcome and reducing stress.
Yes, we can assist you at any stage, whether you’ve just received an initial bill or are dealing with ongoing collection efforts.
Generally, the statute of limitations for debt collection in Texas, including medical debt, is four years from the date of last activity on the account.
Yes, you can be sued for unpaid medical debt. It’s important to respond to any lawsuit promptly and seek legal advice to understand your options and potential defenses
You have the right to dispute inaccurate information on your credit report with the credit bureaus. You should also ensure the medical debt information is accurate and complies with the Fair Credit Reporting Act (FCRA) (based on our previous conversation).
The FDCPA is a federal law that protects consumers from abusive and deceptive debt collection practices.
The FDCPA is a federal law that protects consumers from abusive and deceptive debt collection practices.
The TDCA is a Texas state law that regulates the actions of debt collectors, outlining what they can and cannot do when trying to collect a debt.
The TDCA is a Texas state law that regulates the actions of debt collectors, outlining what they can and cannot do when trying to collect a debt.
Under the FDCPA and TDCA, you have the right to tell a debt collector to cease communication with you by sending a written request.
You should contact the medical provider immediately to inquire about the discrepancy and request an itemized bill. If the issue persists, you can also dispute the debt in writing with any collection agency involved.
You have rights under the FDCPA and TDCA, which protect you from harassment, false or misleading representations, and unfair collection practices.
You have rights under the FDCPA and TDCA, which protect you from harassment, false or misleading representations, and unfair collection practices.
It is helpful to bring any letters, emails, voicemails, call logs, and any other documentation you have received from the debt collector. This information will help us assess your case and provide you with the best legal advice.
Our firm can analyze your situation for FDCPA violations, send cease and desist and debt validation letters on your behalf, represent you in negotiations, and file lawsuits against violating debt collectors to seek compensation for the harm they have caused [See “Suggested Ways J. Gannon Helstowski Law Firm can help consumers with FDCPA Violations” section above, drawing from multiple sources]. We are experienced in consumer protection law and dedicated to protecting your rights.
Not necessarily. While FDCPA violations give you the right to sue for damages and potentially stop collection through those illegal means, the underlying debt may still be valid. However, FDCPA violations can be a strong negotiating point for settling the debt [Information not explicitly found in the provided sources but is general debt collection knowledge. If required to strictly adhere to sources, this answer could be rephrased to focus on the remedies for the violation].
Debt validation is your right to request that a debt collector provide proof that the debt is valid and that they have the right to collect it. This forces the collector to provide information like the original creditor, the original account number, and documentation of the debt. If they cannot validate the debt, they may be required to stop collection efforts.
A cease and desist (or cease communication) letter is a written notice to a debt collector demanding that they stop contacting you. Under the FDCPA, once they receive this letter, they must stop all communication except to notify you of specific actions they may take, such as filing a lawsuit.
There is a one-year statute of limitations from the date of the FDCPA violation to file a lawsuit [Information not explicitly found in the provided sources, but is general FDCPA knowledge. If required to strictly adhere to sources, this question might be omitted or phrased differently, e.g., “What is the timeframe for taking action on FDCPA violations? Consult with an attorney for specific deadlines.”].
- Yes, you have the right to sue a debt collector who violates the FDCPA. You can potentially recover statutory damages (up to $1,000 per violation), actual damages (like emotional distress or financial losses), and have your attorney’s fees and court costs paid by the debt collector if you win.
Document everything, including dates, times, names, and the details of the communication. You should also consider sending a written request for debt validation. It is advisable to consult with a consumer law attorney to understand your rights and options.
Common violations include: harassing phone calls, threats of legal action they cannot take, false statements about the debt, contacting third parties about your debt, and continuing to contact you after you’ve requested them to stop in writing.
The FDCPA is a federal law that protects consumers from abusive, unfair, or deceptive practices by debt collectors. It outlines what debt collectors can and cannot do when trying to collect a debt.
Contact J. Gannon Helstowski Law Firm for a consultation to discuss your specific situation.
You have the right to send a cease communication letter to the debt buyer, demanding that they stop contacting you. Under the FDCPA, once they receive this letter, they can only contact you to acknowledge receipt or to inform you of a specific action they may take, such as filing a lawsuit.
Texas law generally prohibits the garnishment of wages for most types of consumer debt.
There is a statute of limitations on how long a debt can be legally enforced through a lawsuit. In Texas for contract debts, it is typically four years. If the statute of limitations has expired, the debt buyer generally cannot sue you to collect it. However, they can still try to contact you to collect voluntarily. You should be aware of the statute of limitations and assert it as a defense if you are sued on an old debt.
Yes, it is often possible to negotiate a settlement with a debt buyer for a lower amount than what they claim you owe. An attorney can help you with this negotiation process.
You must take the lawsuit seriously and file a written answer with the court by the deadline stated in the citation. Failure to do so can result in a default judgment against you. Contact us immediately to help you respond and explore your legal options.
You must take the lawsuit seriously and file a written answer with the court by the deadline stated in the citation. Failure to do so can result in a default judgment against you. Contact us immediately to help you respond and explore your legal options.
Proof of assignment is documentation showing that the original creditor legally sold or transferred the debt to the debt buyer. Without proper assignment, the debt buyer may not have the legal right to collect the debt from you.
Do not ignore them, but do not provide them with personal information without verifying the debt. Request written verification of the debt, including the original creditor’s name, the original account number, and documentation showing you owe the debt and that the debt buyer owns it.
You have significant rights under the Fair Debt Collection Practices Act (FDCPA) and the Texas Debt Collection Act (TDCA). These laws protect you from harassment, false or misleading representations, and unfair collection practices. You have the right to demand proof of the debt and to tell them to stop contacting you.
You have significant rights under the Fair Debt Collection Practices Act (FDCPA) and the Texas Debt Collection Act (TDCA). These laws protect you from harassment, false or misleading representations, and unfair collection practices. You have the right to demand proof of the debt and to tell them to stop contacting you.
A debt buyer is a company that purchases delinquent debts, often for a fraction of the original amount, and then attempts to collect the full balance from the consumer. These debts can include unpaid apartment rent or fees.
A debt buyer is a company that purchases delinquent debts, often for a fraction of the original amount, and then attempts to collect the full balance from the consumer. These debts can include unpaid apartment rent or fees.
It is crucial to act quickly. There are deadlines for taking legal action, and the sooner you contact an attorney, the better your chances of a favorable outcome.
It is crucial to act quickly. There are deadlines for taking legal action, and the sooner you contact an attorney, the better your chances of a favorable outcome.
You can find information on the websites of the Texas Office of Consumer Credit Commissioner (OCCC), the Federal Trade Commission (FTC), and TexasLawHelp.org. However, for specific legal advice, it is best to consult with a consumer credit attorney like the J. Gannon Helstowski Law Firm.
You can find information on the websites of the Texas Office of Consumer Credit Commissioner (OCCC), the Federal Trade Commission (FTC), and TexasLawHelp.org. However, for specific legal advice, it is best to consult with a consumer credit attorney like the J. Gannon Helstowski Law Firm.
Do not resist physically. However, you can clearly state that you do not consent to the repossession and document the interaction, including taking videos or photos if it is safe to do so. Then, contact an attorney immediately.
It is important to discuss this with your attorney. Generally, ceasing all communication and payment after a wrongful act can sometimes complicate your legal position.
The Texas Debt Collection Act (found in the Texas Finance Code Chapter 392) prohibits certain unfair or deceptive practices by debt collectors, including actions taken during a repossession. Violations of this Act can be pursued under the DTPA.
Texas law regulates auto lending, including subprime loans. You have the right to receive clear information about the loan terms, including the interest rate and fees. You also have rights related to default and repossession.
Yes, if your repossession was wrongful, you may be entitled to damages, which can include the value of the loss of use of your vehicle (rental costs), damage to your credit, mental anguish, and the value of any personal property that was in the car.. In some cases, you may also be able to recover treble damages.
You should contact a consumer law attorney immediately to discuss your situation. J. Gannon Helstowski Law Firm can review your case and advise you on potential legal action, including suing for damages under the Texas Finance Code and the DTPA.
You should contact a consumer law attorney immediately to discuss your situation. J. Gannon Helstowski Law Firm can review your case and advise you on potential legal action, including suing for damages under the Texas Finance Code and the DTPA.
A breach of the peace occurs when the repossession agent’s actions go beyond simply taking the vehicle and involve things like entering a locked gate, causing a disturbance, or using threats
A repossession may be wrongful if you were not in default according to your loan agreement, if the lender failed to provide proper notice, or if the repossession involved a breach of the peace
You can apply for the J. Gannon Helstowski Law Firm’s Hardship program to possibly reduce our legal fees. Go to https://floridacreditlaw.com/hsp/ to apply. You can contact legal aid organizations in Texas such as Lone Star Legal Aid, Texas RioGrande Legal Aid, and Legal Aid of NorthWest Texas for free or low-cost legal assistance.
Yes, if your landlord has breached the lease agreement (e.g., by failing to make necessary repairs), this can be a potential defense against an eviction for non-payment of rent or a counterclaim in a debt collection lawsuit.
Yes, it is often possible to negotiate a payment plan or settlement with your landlord or the collection agency representing them. Having legal representation can sometimes improve your chances of a favorable outcome.
Yes, it is often possible to negotiate a payment plan or settlement with your landlord or the collection agency representing them. Having legal representation can sometimes improve your chances of a favorable outcome.
An eviction lawsuit that results in a judgment against you can appear on your rental report as a public record. Additionally, any unpaid rent or fees that are sent to collections can also negatively impact your credit score.
You have the right to send a cease communication letter to the debt collector (which could be the landlord or a collection agency) under the Fair Debt Collection Practices Act (FDCPA) and the Texas Debt Collection Act (TDCA). This letter demands they stop contacting you directly.
If you believe your eviction was wrongful because the landlord didn’t follow proper procedures or had no legal basis, you may have grounds to contest the eviction in court or potentially pursue a wrongful eviction lawsuit against the landlord.
A notice to vacate is a written notice from the landlord demanding that you move out of the property. Unless your lease provides for a longer period, Texas law generally requires a landlord to give at least three days’ written notice to vacate before filing an eviction lawsuit.
Generally, no. In Texas, a landlord typically must go through a formal eviction process in court to legally remove a tenant. There are specific procedures they must follow, including providing a notice to vacate.
Generally, no. In Texas, a landlord typically must go through a formal eviction process in court to legally remove a tenant. There are specific procedures they must follow, including providing a notice to vacate.
Landlords attempting to collect debt are subject to the Texas Debt Collection Act (TDCA). They cannot use illegal or harassing tactics. You have the right to demand they cease communication.
Landlords attempting to collect debt are subject to the Texas Debt Collection Act (TDCA). They cannot use illegal or harassing tactics. You have the right to demand they cease communication.
You must file a written answer with the Justice Court where the lawsuit was filed by the deadline stated in the citation, which is typically within a short timeframe. Failure to file an answer can result in a default judgment against you.
Apartments also received information from other sources other than credit reports. You will have to turn to independent rental reporting agencies. They are like the credit bureaus but for rental reporting.
If you are declined take the following steps to find who is negatively reporting:
- Contact the apartment that just declined you because of the rental report. Ask them what company they use to find information on you.
- Go HERE to locate the company that they said.
- Contact that company to obtain your report so you can find out who is reporting.
- Contact the debt collector or Apartment complex reporting the information
- OR Hire the J. Gannon Helstowski Law Firm to assist you.
To resolve an apartment collection, begin by disputing with the debt collector to obtain the lease and accounting documentation. Then, using your understanding of Texas Property Code, the lease, and the accounting, evaluate if the charges are accurate. If errors are found, the debt collector should correct them. If the charges are accurate, consider negotiating a settlement to remove the account from your credit report.
The J. Gannon Helstowski Law Firm can often help you find a solution faster and possibly on more favorable terms.
Most apartment applications only require that previous rental debt was taken care of. Therefore, a paid letter will often suffice, as not all apartment debt collectors will agree to remove settled accounts from credit reports.
The total sum owed to the apartment complex can exceed the amount stated on the judgment due to additional fees stipulated in the lease agreement or damages incurred. On the day of eviction, the landlord only includes the amount due that day in the lawsuit.
We can evaluate the fairness of the arbitration clause and explore arguments that it might be unconscionable under certain circumstances, although this is a challenging legal argument.
Yes, settlement negotiations are often possible even within the arbitration process. We can represent you in these negotiations.
Arbitration often involves filing fees and arbitrator fees, which can sometimes be significant. We can discuss potential cost-sharing provisions in your contract and strategies to manage these expenses.
Arbitration is a private process where a neutral third-party (the arbitrator) hears the dispute and makes a decision. It is generally less formal than court proceedings and has limited rights to appeal.
While you can represent yourself, having experienced legal representation can significantly increase your chances of a favorable outcome. We can navigate the rules, present your case effectively, and protect your rights throughout the process.
Arbitration awards are generally final and have limited grounds for appeal. However, we can review the award to see if the arbitrator exceeded their powers or made clear errors that could allow for modification or correction by a court. Vacating an arbitration award is very challenging.
Waiver occurs when a party takes actions inconsistent with their right to arbitrate, such as substantially litigating a case in court before trying to compel arbitration. Under recent case law, you may not even need to show you were prejudiced by their delay to argue waiver.
It can be difficult, but not always impossible. We can evaluate if the other party has waived their right to arbitrate through their actions, or if there are defects in the contract itself that could make the arbitration clause unenforceable.
An arbitration clause is a provision in a contract that requires any disputes related to the contract to be resolved through a private arbitration process instead of going to court.
We are open
Monday through Thursday 9am to 6pm
Friday 9am to 1pm
Saturday and Sunday Closed
Direct access to your legal team.
(800) 891-6988 – Intake of New Clients
5209 Heritage Ave. Ste 510, Colleyville, TX 76034
Specialized Focus
- Exclusive dedication to consumer protection law
- In-depth knowledge of Texas and federal consumer regulations
- Continuous education on evolving consumer rights legislation
- Specialized experience in credit reporting, debt collection, and auto repossession cases
Personalized Approach
- Direct attorney access throughout your case
- Customized legal strategies tailored to your specific situation
- Regular case updates and communication
- Prompt responses to your questions and concerns
- Clear explanation of complex legal concepts
- Consideration of your long-term financial and legal goals
Proven Experience
- Established track record of successful consumer advocacy
- Experience dealing with major creditors and financial institutions
- History of favorable settlements and litigation outcomes
- Respected reputation within the Texas legal community
- Strong relationships with courts and consumer protection agencies
Client-Centered Philosophy
- Transparent fee structures and billing practices
- Flexible scheduling and consultation options
- Educational approach to empower informed decisions
- Commitment to cost-effective solutions
- Focus on practical, results-oriented strategies
Local Expertise
- Deep understanding of Texas consumer protection laws
- Knowledge of local court systems and procedures
- Strong presence in the Texas legal community
- Familiarity with regional business practices and consumer issues
Our dedication to consumer rights, combined with our focused expertise and personalized service, allows us to effectively advocate for our clients while maintaining the highest standards of professional representation.
Our Fee Structure Options
Flat Fee Services
- Transparent pricing quoted upfront before commencing work
- Clear scope of services outlined in our engagement letter
- Flexible payment plans available for fees exceeding $300
- No unexpected or hidden charges
- Payment options include credit cards, electronic transfers, and checks
Flat Fee Litigation Services
- Initial filing or response fee quoted before beginning representation
- Predictable monthly fee structure during ongoing litigation
- Clear breakdown of costs and services provided
- Upfront payment required for initial court filings
- Monthly billing cycle with detailed invoices
- Additional court costs and filing fees explained in advance
Contingency Fee Arrangements
- No attorney fees unless we successfully resolve your case
- Percentage-based fee structure clearly defined at engagement
- Client responsible only for case-related costs and expenses
- Transparent accounting of all costs incurred
- Fee percentage may vary based on:
- Case complexity
- Stage of resolution
- Amount of recovery
- Required resources
Additional Fee Information:
- All fee arrangements are detailed in written agreements
- Clear explanation of costs versus attorney fees
- Regular updates on case expenses and billing
- Discussion of fee structure during initial consultation
- Opportunity to review all agreements before proceeding
We are committed to transparency in our billing practices and will thoroughly discuss all fee options during your consultation to determine the most appropriate arrangement for your situation.
We proudly serve consumers across the entire state of Texas, with a focus on providing accessible and effective legal support.
If you are a consumer outside of Texas, you may be able to find a local attorney at the National Association of Consumer Credit Attorneys (NACCA)
During our complimentary initial consultation, we conduct a thorough evaluation of your consumer rights matter to determine whether legal action is the optimal approach or if alternative solutions might better serve your objectives. Our assessment considers these essential factors:
Potential Legal Violations
- Fair Credit Reporting Act (FCRA) violations
- Fair Debt Collection Practices Act (FDCPA) infractions
- Truth in Lending Act (TILA) breaches
- Unfair or deceptive business practices
- Contract violations
- State consumer protection law violations
Evidence Assessment
- Documentation of communications with creditors or collectors
- Records of financial transactions
- Copies of credit reports and dispute responses
- Relevant correspondence and notifications
- Timeline of events and interactions
Damages Evaluation
- Financial losses
- Credit score impacts
- Lost opportunities due to credit denials
- Potential statutory damages
Viability Factors
- Statute of limitations considerations
- Strength of available evidence
- Pattern of misconduct
- Likelihood of successful resolution
- Cost-benefit analysis of legal action
Our experienced team will provide honest feedback about your case’s merits and recommend the most appropriate course of action for your situation. We believe in transparent communication about your legal options and potential outcomes.
Our firm specializes in auto repossession cases and related credit reporting matters. Our comprehensive service includes:
Case Assessment and Documentation
- Thorough review of your repossession case
- Collection and analysis of all relevant documentation
- Evaluation of lender compliance with state and federal regulations
Strategic Planning
- Detailed presentation of available legal options
- Development of customized resolution strategies
- Clear explanation of potential outcomes
Implementation
- Execution of chosen legal strategy
- Regular updates on case progress
- Active negotiation with creditors and financial institutions
- Resolution monitoring and follow-through
To discuss your auto repossession case, schedule your complimentary phone consultation today.
Yes, we help consumers address and resolve credit report inaccuracies under the Fair Credit Reporting Act (FCRA). Our experienced team works diligently to ensure your credit file accurately reflects your creditworthiness through the following services:
Credit Report Analysis:
- Comprehensive review of all three major credit bureau reports
- Identification of potential errors, including duplicate accounts, incorrect payment histories, and fraudulent entries
- Assessment of outdated information that should be removed
- Verification of account ownership and payment records
Dispute Resolution Process:
- Preparation and submission of detailed dispute letters to credit bureaus
- Direct communication with creditors to verify account information
- Monitoring of credit bureau response timelines
- Follow-up investigations for unresolved disputes
- Appeals of unsuccessful dispute outcomes
Common Issues We Address:
- Identity theft-related accounts
- Accounts belonging to others with similar names
- Incorrect payment status reporting
- Outdated negative information
- Mixed credit files
- Accounts discharged in bankruptcy still showing as active
- Incorrect personal information
- Unauthorized hard inquiries
Additional Services:
- Guidance on improving credit scores
- Assistance with obtaining free annual credit reports
- Education on credit monitoring services
- Support in documenting financial damages from reporting errors
- Pursuit of compensation for FCRA violations when applicable
Our goal is to help you maintain an accurate credit report that properly reflects your credit history and financial responsibility. Learn more about these issues at FCRA Violations or you can Schedule a Free Consultation
Our firm vigorously defends your rights under the Fair Debt Collection Practices Act (FDCPA) by taking decisive action against unlawful collection practices. We assist clients experiencing:
- Harassment through repeated or threatening phone calls
- Collection attempts outside permitted hours (before 8 AM or after 9 PM)
- Communications with your employer or family members about your debt
- Threats of legal action or criminal charges
- Use of deceptive or misleading collection tactics
- Attempts to collect incorrect debt amounts or expired debts
Our services include:
- Evaluating collection practices for FDCPA violations
- Demanding immediate cessation of harassing behavior
- Documenting all instances of improper conduct
- Pursuing compensation for statutory damages up to $1,000
- Seeking actual damages for emotional distress and financial losses
- Recovering attorney fees and legal costs from debt collectors
We understand the stress of dealing with aggressive debt collectors and work diligently to protect your rights while holding collection agencies accountable for their actions. You can Schedule a Free Consultation
We help Texas consumers with the following issues:
- Debt Lawsuits
- Judgment Resolution
- MCA Debt Defense
- Arbitration
- Bankruptcy
- Credit Reporting • FCRA Violations
- Debt Collector Abuse • FDCPA Violations • Apartment Collections • Auto Issues • Debt Buyers • Medical Billing & Collection • Telecom • Utility Debt
- Identity Theft
- Mortgage, Real Estate, and Housing Issues
- Predatory Lending
- Service Member Credit Issues
- Student Loans
- Foreclosure Defense
- File Bankruptcy
We strive to be a full service law firm. Please contact us with any other legal needs by Scheduling a Phone Call
Absolutely. Following your initial consultation, we welcome any additional questions you may have. Basic inquiries will be addressed at no charge. However, if your questions require in-depth legal research or strategic analysis, we may recommend scheduling a paid consultation with an attorney. In such cases, we will clearly communicate all associated fees in advance.
For issues outlined on our website, our initial consultation is designed to provide comprehensive guidance, enabling most clients to make an informed decision about retaining our services. However, complex legal matters may require additional analysis beyond the scope of our complimentary consultation. During our discussion, we will clearly outline how we can assist you and provide transparency regarding any anticipated legal fees or additional consultations that may be necessary.
Yes. We understand you may wish to consult multiple law firms to find the best fit for your legal needs. To provide you with optimal service and avoid any potential conflicts, we kindly request that you inform us of any prior consultations you’ve had with other firms regarding this matter.
Our practice is founded on transparent and candid communication with our clients. If you feel unable to communicate openly with our team, we encourage you to explore other legal representation that better suits your needs.
For assistance in finding alternative counsel, you may contact the Texas Lawyer Referral Service
Yes. All information shared during your initial consultation is safeguarded by attorney-client privilege. This protection remains in effect whether or not you choose to retain our firm. The privilege is designed to foster open communication between prospective clients and attorneys, ensuring complete confidentiality throughout the legal consultation process. To maintain this protection, all discussions must be specifically related to seeking legal advice and must remain confidential between you and our firm.
Based on the discussion you and our attorney have we will outline recommended next steps:
Initial Retainer and Fee Structure:
- We will go over our fee structure which can be flat fee with a monthly fee while litigation is ongoing, hourly fees, or contingency fees based amount collected or a combination of any payment structure.
Immediate Next Steps:
- Review and sign our engagement letter outlining the scope of our services
- Submit the initial retainer payment or initial filing fee payment.
- Provide key documents
- Schedule a follow-up meeting to develop our detailed strategy
Estimated Timeline and Costs:
- We will provide an estimated timeline for your case and any additional costs.
Payment Options:
- We accept major credit cards, checks, and electronic transfers
- Payment plans may be available depending on your circumstances
- We can discuss alternative fee arrangements if needed
No. Our free consultation is without obligation to purchase future legal services.
We offer complimentary initial consultations with no obligation to proceed, unless otherwise specified. For complex cases or legal matters beyond our standard practice areas listed on our website, we may recommend scheduling a comprehensive paid consultation with one of our attorneys. The costs of the second consultation with be clearly disclosed before scheduling the consultation.
Our legal team offers complimentary 20 to 30-minute consultations focusing on the matters listed below. As a full-service law firm, we consider cases across various practice areas. However, for matters outside these listed categories, a paid consultation may be necessary to thoroughly assess your situation and provide comprehensive legal advice.
We will provide preliminary advice relating to your circumstances but we will primarily focus on evaluating your case.
Legal advice must come from an attorney. Depending upon the complexity of your situation, our attorneys may charge a reasonable fee to understand your complete case and give detailed legal advice.
Free consultations generally last 20 to 30 minutes, though the duration may be adjusted according to the case’s complexity and associated legal considerations.
Free consultations generally last 20 to 30 minutes, though the duration may be adjusted according to the case’s complexity and associated legal considerations.
A free legal consultation allows us to evaluate your situation, identify potential legal issues, and provide an overview of available solutions. While we’re happy to discuss these options with you, only an attorney can provide specific guidance for your case. Please note that depending on your circumstances, attorney fees may apply for detailed legal advice and recommendations regarding your optimal course of action
A free legal consultation allows us to evaluate your situation, identify potential legal issues, and provide an overview of available solutions. While we’re happy to discuss these options with you, only an attorney can provide specific guidance for your case. Please note that depending on your circumstances, attorney fees may apply for detailed legal advice and recommendations regarding your optimal course of action
