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What you feared might happen, has happened – a court citation regarding your delinquent credit-card debt has reared its ugly head.  Allow me to ease a good portion of your anxiety!  Hello, you have…
Debt Collection Defense –Aledo Facing a Citation? – There's No Time to Waste! Addressing a citation to appear in court due to unpaid debt is nothing that should be put off – procrastination could…
Been Served a Citation?  Time is Critical!  Having been served a citation due to delinquent debt is not what anyone would ask for.   A pending lawsuit is scarey, and worry can be your constant,…
You Have Been Served a Summons – What Now?   If you have been served a summons for delinquent, unsecured debt or if you feel it is likely that you will be served, remaining constantly fear-ridden is…
Is it possible that information in your credit report could be damaging your score, without your knowledge? – yes, it is very possible!  Hello, I am James Foley PLLC; and if your credit score has…
My name is James Foley; and as a Debt Defense lawyer who represents the residents of Aledo, I am all too familiar with how millions of Americans end up struggling with paying credit-card debt.  Life…
Any credit report, belonging to anyone, can be breached:  Identity theft, unauthorized access, data-management errors, and other activities can seep into our credit reports without our knowledge. …
We are, all, familiar with the three main credit reporting agencies:  Equifax, Transunion and Experian; but did you know errors on your credit report can occur with these and any other CRA?  Whether…
It may come as a surprise to learn that credit reports from any credit reporting agency – including well-known Equifax, Transunion and Experian – can contain false, or outdated information.  Your…
  Many people are not aware that their credit reports could contain false information that could lower their credit scores.  Credit reports listed with any credit bureau, including well-known as…
According to Credit Karma, 35% of Americans never check their credit reports since they believe whatever information in them, is valid.  Unfortunately, this can prove to be a costly assumption since…
What Good Credit Means A summary of an individual’s credit history, a credit report serves several functions for both individuals and business. For the individual, the report serves…
What Good Credit Means A summary of an individual’s credit history, a credit report serves as both a marker for an individual’s financial history and a measuring tool for business to…
The Credit Report  A credit report gives a summary of an individual’s credit history, including debt and open credit lines. The report is provided by one or more consumer reporting…
The Importance of a Credit Report  A credit report gives a summary of an individual’s credit history, including debt and open credit lines. The report is provided by one or more…
What Is A Credit Report? A credit report gives a summary of an individual’s credit history, including debt and open credit lines. The report is provided by one or more consumer…
The Importance of a Credit Report   A good credit report is an essential part of any consumer’s financial health. Whether it is a new car, a new home, or even a job application, a…
Are You Being Sued?  I'm on Your Side! Credit-card holders become acutely aware, once they are being sued for credit-card debt, that consequences for non-payment can be severe – even…
 Don't Battle It Alone Credit-card debt is 'unsecured'; though the word 'unsecured' is misleading since missed payments can result in devastating consequences for the card-holder. …
Let's Fight This, Together! It is astonishing how quickly credit-card debt can accumulate; and, equally, astonishing is what credit-card holders can face when payments become…
 I Can Be Your Staunch Ally!   To the surprise of many, the consequences of past-due credit-card payments can be severe for the credit-card holder; and it goes beyond just a black mark on one's…
Don't Fight It Alone! Credit-cards can be a blessing or a curse depending on how manageable the payments may remain.  For many Americans, an occasional missed payment is not uncommon…
We're in This, Together Even though credit-card debt in unsecured, missed payments can result in severe consequences.  In order to avoid a frozen bank account or other uncomfortable realities, you…
Debt Law-Suits – I Will Fight for Your Rights! Credit-card debt can spiral out of control very quickly; and the legal consequences can be staggering if payments continue to be delinquent.  Even…
Debt Law-Suits – Don't Battle It Alone! Credit-card debt can add up very quickly; and the consequences of missed payments can be stunning.  It is a type of debt that is 'unsecured'; yet creditors…
Facing a Debt Lawsuit? Get the Help You Need! Many people are not aware of the repercussions of past-due credit-card debt.  Since it is 'unsecured', some assume the legal consequences of being unable…
Being Sued?  You Need a Professional! Credit card debt is considered 'unsecured' debt; yet if payments are not made, a whole slew of legal consequences can ensue to make the life for the borrower…
Don't recognize Midland Funding, Portfolio Recovery, Investment Retrievers,Velocity Investments, etc? Are you being sued over an old debt you might not even remember by a company you definitely do…
I absolutely cringe when I hear the term judgment proof. I originally wrote this blog several years ago. It makes more sense than ever now that the majority of phone calls I get are from debtors who…
The better question is can you afford not to hire one. Credit card lawsuits are filed en masse by a handful of law firms across the state. I’ve personally reviewed court files and seen one attorney…
I’ve been sued by a creditor. Is Bankruptcy the only option? In short, no. Bankruptcy is a big step. You should consider all your legal options before deciding if you should file. A thorough…
Someone came to my house, maybe late in the evening or on a weekend. They were wearing civilian clothes and driving their personal car. They handed me some official looking papers stating that I was…
I am a huge fan of TCU Horned Frog Baseball. Frog Coach Jim Schlossnagle is fond of using little sayings to motivate his team. One of my personal favorites is “must be present to win.” This concept…
Maybe you had your car or truck repossessed because you were behind on payments.  All is not lost. Were you sued for the deficiency on your note after the vehicle has been sold at auction? Generally…
As part of my law practice,  I help people who have errors on their credit reports. I see a variety of errors on the credit reports of consumers. These are people who regularly pay their bills, yet…
Are you considering a major purchase such a home or a vehicle? It would be best to verify that you have an accurate credit report first. Pull your credit report now. You can get a copy of your credit…
CACH just elected to non-suit a case against my client rather than comply with my requests to produce the documents that they would need to prove up their case. That is about $4,000.00 staying in my…
PLEASE READ THIS ENTIRE PAGE BEFORE CALLING While many business follow the law and attempt to collect debts in an ethical manner, some unscrupulous collectors attempt to skirt the law in an attempt…
When someone passes away, the probate process is initiated to distribute the assets of their estate according to the will or the laws of intestacy. When there is a valid will the executor named in…
In Texas if someone dies without a will the assets of their estate are distributed according to the laws of intestacy. This distribution may not be in line with your wishes. Furthermore it may create…
If you are considering filing for bankruptcy please call me. In some cases bankruptcy can be avoided. If you have lawsuits from creditors or a mountain of debt and feel overwhelmed I can help.…
When you the consumer take out a loan for the purchase of a vehicle, you generally put up that vehicle as collateral for that loan. In doing so you are creating what is called a security interest, or…
Are you being sued because of an old debt? Has the alleged balance due mushroomed because of fees and an exorbitant interest rate? Have you even had dealings with the company that is suing you? Is it…