Cedar Creek 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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2. Email
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Derek Robert Van Gilder

Construction, Family Law, Credit & Debt, Personal Injury

Status: In Good Standing

CONTACT

916 Main St, Bastrop, TX 78602

Christopher Alan Hammon

Banking & Finance, Credit & Debt, Personal Injury, Workers' Compensation

Status: In Good Standing Licensed: 12 Years

CONTACT

1110 Main St, Bastrop, TX 78602

Michael B. Sheehan

Construction, Family Law, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 44 Years

CONTACT

107 Billingsley Hts, Cedar Creek, TX 78612

Philip Ducloux

Real Estate, Wills & Probate, Business, Bankruptcy

Status: In Good Standing Licensed: 36 Years

CONTACT

1805 Roosevelt St, Bastrop, TX 78602

Joseph Grady Tuck

Entertainment, Family Law, Business & Trade, Consumer Bankruptcy

Status: In Good Standing Licensed: 51 Years

CONTACT

906 Main St, Bastrop, TX 78602

Joseph Grady Tuck

Entertainment, Family Law, Business & Trade, Consumer Bankruptcy

Status: In Good Standing

CONTACT

906 Main St, Bastrop, TX 78602

Mark Ral Brochstein

Family Law, Divorce & Family Law, Criminal, Consumer Bankruptcy

Status: In Good Standing Licensed: 25 Years

CONTACT

906 Main St, Bastrop, TX 78602

800-923-0641

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LEGAL TERMS

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.

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

FAIR LABOR STANDARDS ACT (FLSA)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements ... (more...)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements for overtime and places restrictions on child labor.

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.

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

WORKOUT

A debtor's plan to take care of a debt, by paying it off or through loan forgiveness. Workouts are often created to avoid bankruptcy or foreclosure proceedings.

LIABILITY

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pi... (more...)

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pipe bursts the day after Paul installs it, ruining the bathroom floor. This raises the issue of liability: Who is responsible for the damage? Peri claims that Paul is responsible, and sues him for the cost of hiring another plumber to fix the pipe and replacing the floor. Paul, in turn, claims that the pipe manufacturer is responsible, because they supplied him with faulty materials. Both Peri and Paul must prove their claims in court; if Paul and/or the manufacturer is found liable, one or both will have to pay damages to Peri. (2) Something for which a person is liable. For example, a debt is often called a liability.

Cedar Creek Bankruptcy & Debt Lawyer, Texas

Sponsored Law Firm

Ciment Law Firm PLLC

SPONSORED LAWYERS

Derek Robert Van Gilder

Christopher Alan Hammon

Michael B. Sheehan

Philip Ducloux

Joseph Grady Tuck

Joseph Grady Tuck

Mark Ral Brochstein

TIPS

LEGAL TERMS

BANKRUPTCY TRUSTEE

AUTOMATIC STAY

FAIR LABOR STANDARDS ACT (FLSA)

PRESUMED ABUSE

CREDIT INSURANCE

CREDIT BUREAU

WORKOUT

LIABILITY

FCBA

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