Have you received a threatening or litigious letter from your bank or credit card lender? Don’t ignore it any longer than you already have. If you’re in Arlington, Weatherford, Lake Worth, or Granbury, or nearby, I’m here to help.
You’ve done the right thing to learn more about how to deal with it. I’m James Foley, PLLC, and I have extensive experience guiding clients through the debt defense process.
It can get stressful, time consuming, and has likely already brought you grief. I’m happy to tell you that with me at your side, I can put you on the path to a better place.
So, which of the below best describes you?
“I don’t believe this debt is legitimate/I don’t have a card with this company.”
Check your credit report immediately on www.annualcreditreport.com. If the card appears on the report, and you’re positive you didn’t apply for it, you may be a victim of identity theft.
I will work with you to put together a dispute and have the credit removed from your report, improving your overall credit score and setting you up for success.
“I originally ignored the notice and I am being sued.”
This can be a threatening situation. I advise you to contact me immediately. Despite their right to sue a delinquent account holder, they do not have the right to harass or intimidate you. While you may be able to handle the above scenarios, this is a situation where you need help from a licensed attorney such as myself.
My first piece of advice, whether you choose to retain an attorney or not, is to reply quickly. Some notices by Texas law may give you as little as 14 days to act. If you do not act, you are taking the worst possible position, because it means you lose the case by choosing not to reply.
Don’t make that mistake! Comply as faithfully as possible, and consult me as you move forward.
“I’ve received a notice from a card that I owe debt on, and have 30 days to respond. But I can NOT afford to pay the debt with more time.”
There is another option if this is truly the case. It’s the B-word, and it’s likely something you’ve tried to avoid up until now. You might be able to keep afloat, but if not, Bankruptcy is not a death sentence.
I would recommend you explore either Chapter 7 or Chapter 13 Bankruptcy, in the case that you have other outstanding debts, and you cannot currently see an avenue to relief. If you aren’t sure, I’ve examined many cases and can advise you properly.
If you successfully complete bankruptcy, you have the right to a clean and clear credit report. Past creditors for the most part cannot revisit your accounts, and violate the law if they do so. You will have to go through a process, and take classes if applicable. But if you income falls below the median, you will have access to quick relief. If your income rises above the median, you will have to comply with additional procedures, but can still attain a clean start.
Whatever your situation may be, I’ve helped folks across Weatherford, Aledo, Burleson, Arlington, Mansfield, Lake Worth, and Grapevine climb out of debt and enjoy the freedom of a new start.
Hood County, Parker County, and Johnson County, I am at your service as soon as you’re able to call me and enjoy a free consultation. Debt buyer suits, original creditor suits, vehicle repossession suits, and loan deficiency suits are things I work with all the time!