Carrizo Springs Bankruptcy & Debt Lawyer, Texas

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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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Daniel M. Gonzalez

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

Status: In Good Standing Licensed: 28 Years

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John L. Mogford

General Practice

Status: In Good Standing Licensed: 50 Years

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Fm 1557 North, Asherton, TX 78827

James E. Cabello

General Practice

Status: In Good Standing Licensed: 33 Years

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400 Pena St, Carrizo Springs, TX 78834

John W. Petry

Lawsuit & Dispute, Industry Specialties, Business, Oil & Gas

Status: In Good Standing Licensed: 50 Years

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400 Pena St, Carrizo Springs, TX 78834

Alfredo Zuvia Padilla

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Status: In Good Standing Licensed: 38 Years

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400 Pena St, Carrizo Springs, TX 78834

Elbert Ortiz

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Status: In Good Standing Licensed: 4 Years

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1602 Pena St, Carrizo Springs, TX 78834

Charles D. Johnson

General Practice

Status: Inactive Licensed: 34 Years

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412 Pena St, Carrizo Springs, TX 78834

Francisco Ricardo Ponce

Personal Injury, Family Law, Commercial Real Estate, Criminal

Status: In Good Standing Licensed: 38 Years

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412 Pena St, Carrizo Springs, TX 78834

August Linnartz

Litigation, Business & Trade, Commercial Real Estate

Status: In Good Standing Licensed: 31 Years

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412 Pena St, Carrizo Springs, TX 78834

Ted Rodriguez

Personal Injury, Employee Rights, Family Law, Construction

Status: In Good Standing Licensed: 27 Years

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201 N 5Th St, Carrizo Springs, TX 78834

800-923-0641

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LEGAL TERMS

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

S CORPORATION

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status fro... (more...)

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status from the Internal Revenue Service. Electing to do business as an S corporation lets shareholders enjoy limited liability status, as would be true of any corporation, but be taxed like a partnership or sole proprietor. That is, instead of being taxed as a separate entity (as would be the case with a regular or C corporation) an S corporation is a pass-through tax entity: income taxes are reported and paid by the shareholders, not the S corporation. To qualify as an S corporation a number of IRS rules must be met, such as a limit of 75 shareholders and citizenship requirements.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

TOXIC TORT

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and su... (more...)

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and suffering.

BANKRUPTCY TRUSTEE

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is t... (more...)

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is to gather the debtor's nonexempt property, liquidate it and distribute it proportionally to her creditors. In a Chapter 13 case, the trustee's role is to receive the debtor's monthly payments and distribute them proportionally to her creditors.

Carrizo Springs Bankruptcy & Debt Lawyer, Texas

Sponsored Law Firm

Ciment Law Firm PLLC

SPONSORED LAWYERS

Daniel M. Gonzalez

John L. Mogford

James E. Cabello

John W. Petry

Alfredo Zuvia Padilla

Elbert Ortiz

Charles D. Johnson

Francisco Ricardo Ponce

August Linnartz

Ted Rodriguez

TIPS

LEGAL TERMS

ACCORD AND SATISFACTION

CREDIT REPORT

GUARANTEED RESERVATION

S CORPORATION

LOSS DAMAGE WAIVER (LDW)

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

TOXIC TORT

BANKRUPTCY TRUSTEE

FCBA

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