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Daniel Ciment
About | Practice Areas
Ciment Law Firm PLLC
24275 Katy Freeway Suite 400 Katy, TX 77494» view map
Bankruptcy & Debt Law
Texas Consumer Protection

My firm specializes in protecting Texans’ Consumer Rights and resolving their unpaid debts.

800-291-2160
1. Daniel Ciment Katy, TX
  Attorney at Law- TX, 2003
  South Texas College of Law, J.D. 2003
2. AboutCiment Law Firm PLLC
  Texas Consumer Protection
3. Practice AreasExpertise
  Bankruptcy & Debt Law
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Gwendolyn E Hunt

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Bankruptcy & Debt

I am abreast of current bankruptcy laws and potential changes to those laws, in part due to my professional affiliations—National Association of Con... (more)

FREE CONSULTATION

CONTACT

800-909-3261

2010 N Hampton Rd, Desoto, TX 75115

Charles K. Barrow

Corporate, Commercial Banks, Banking & Finance, Collection

Status: In Good Standing

CONTACT

P.O. Box 1470, 400 Austin Ave., Ste. 800, Waco, TX 76701

Paul H. Hubbard

Corporate, Banking & Finance, Bankruptcy Litigation, Bankruptcy

Status: In Good Standing

CONTACT

P.O. Box 1470, 400 Austin Ave., Ste. 800, Waco, TX 76701

Angela Eads Tekell

Consumer Protection, Corporate, Contract, Credit & Debt

Status: In Good Standing

FREE CONSULTATION

CONTACT

5400 Bosque Boulevard, Waco, TX 76710

Kelly R. Myers

Elder Law, Insurance, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 35 Years

CONTACT

1465 W 2Nd Ave, Corsicana, TX 75110

James E. Polk

Landlord-Tenant, Estate, Family Law, Criminal, Bankruptcy

Status: In Good Standing Licensed: 39 Years

CONTACT

417 N. 12th Street, Corsicana, TX 75110

H. Rey Stroube

Credit & Debt, Business & Trade, Bankruptcy

Status: In Good Standing Licensed: 49 Years

CONTACT

1707 Dobbins Rd, Corsicana, TX 75110

Rachelle J. Crouch

Commercial Real Estate, Divorce, Business & Trade, Credit & Debt

Status: In Good Standing Licensed: 21 Years

CONTACT

1707 Dobbins Rd, Corsicana, TX 75110

Paul Edward Fulbright

Credit & Debt, Family Law, Oil & Gas, Litigation

Status: In Good Standing Licensed: 46 Years

CONTACT

300 W 3Rd Ave, Corsicana, TX 75110

Donald R. Stout

Family Law, Administrative Law, Consumer Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 48 Years

CONTACT

210 W Knox, Ennis, TX 75120

800-923-0641

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LEGAL TERMS

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

CCCS

See Consumer Credit Counseling Service.

LIQUIDATING PARTNER

The member of an insolvent or dissolving partnership responsible for paying the debts and settling the accounts of the partnership.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

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Barry Bankruptcy & Debt Lawyer, Texas

Sponsored Law Firm

Ciment Law Firm PLLC

SPONSORED LAWYERS

Gwendolyn E Hunt

Charles K. Barrow

Paul H. Hubbard

Angela Eads Tekell

Kelly R. Myers

James E. Polk

H. Rey Stroube

Rachelle J. Crouch

Paul Edward Fulbright

Donald R. Stout

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LEGAL TERMS

SETOFF

PREFERENCE

CCCS

LIQUIDATING PARTNER

PRESUMED ABUSE

IRS EXPENSES

FAIR CREDIT BILLING ACT (FCBA)

CHAPTER 7 BANKRUPTCY

LIEN

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