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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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Karen M. Burns

Divorce & Family Law, Personal Injury, Traffic, Credit & Debt, Business

Excellent Legal Representation to Meet Your Needs

Ms. Burns is an attorney practicing in the Dallas, Texas area at Burns & Iwuji, PLLC.

FREE CONSULTATION

CONTACT

800-944-9781

9535 Forest Lane, Dallas, TX 75243

Dwain Downing

✓ VERIFIED

Wills & Probate, Bankruptcy, Estate Planning, Divorce, Credit & Debt

Experienced and compassionate law firm

Hello, my name is Dwain Downing and if you are in need, I would like to be your attorney, To help you to know me a little better I would like to tell ... (more)

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CONTACT

800-382-6050

1178 W. Pioneer Pkwy, Arlington, TX 76001

Leslie Joyce Burgoyne

Construction, Credit & Debt, Litigation, Family Law

CONTACT

817-359-7000

1300 Summit Ave, Fort Worth, TX 76102

Alice Elaine Bower

✓ VERIFIED

Bankruptcy & Debt, Bankruptcy, Credit & Debt, Consumer Bankruptcy

I have been practicing law in Fort Worth, Texas since 1980. During the first few years of my legal career, I practiced in several areas of law before ... (more)

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CONTACT

800-895-6931

6421 Camp Bowie Blvd., Fort Worth, TX 76116

Cynthia Johnson Rerko

Banking & Finance, Bankruptcy, Corporate, Credit & Debt

Status: In Good Standing

CONTACT

2605 Hibernia St,, Dallas, TX 75204

Cheryl L. Mann

Bad Faith Insurance, Business Organization, Contract, Credit & Debt

Status: In Good Standing

FREE CONSULTATION

CONTACT

3701 Turtle Creek Boulevard, Dallas, TX 75219

Andrew F. Emerson

Banking & Finance, Construction, Litigation, Credit & Debt

Status: In Good Standing

CONTACT

8350 N. Central Expressway, Campbell Centre I, Dallas, TX 75206

Jennifer A. Mitchell

Landlord-Tenant, Banking & Finance, Credit & Debt, Bankruptcy

Status: In Good Standing

CONTACT

12801 North Central Expy., Dallas, TX 75243

800-923-0641

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LEGAL TERMS

FDCPA

See Fair Debt Collections & Practices Act.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

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.

TRADE NAME

The official name of a business, the one it uses on its letterhead and bank account when not dealing with consumers.

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

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.

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).

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.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

SAMPLE LEGAL CASES

Eaves v. Unifund CCR Partners

... Tommy L. Eaves appeals the jury's verdict against him in Unifund CCR Partners ("Unifund Partners") suit to collect unpaid credit-card debt. We affirm. BACKGROUND. Citibank issued an AT & T credit card to Eaves, and Eaves made purchases with the card. ...

Dulong v. Citibank (South Dakota), NA

... 892 OPINION. Opinion by Justice RICHTER. This case involves a traditional summary judgment in a credit card debt collection matter. Citibank (South Dakota), NA ("Citibank") sued Donna Dulong to recover the balance owed on a credit card (the "Credit Card"). ...

Martinez v. Midland Credit Management, Inc.

... denied), argued that Midland was not entitled to proceed on a sworn account theory to recover a credit card debt. At the hearing on Martinez's Motion for New Trial, Midland argued that its claim was one for breach of contract. ...

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Dallas Credit & Debt Lawyer, Texas

Sponsored Law Firm

Ciment Law Firm PLLC

SPONSORED LAWYERS

Karen M. Burns

Dwain Downing

Leslie Joyce Burgoyne

Alice Elaine Bower

Cynthia Johnson Rerko

Cheryl L. Mann

Andrew F. Emerson

Jennifer A. Mitchell

TIPS

LEGAL TERMS

FDCPA

401(K) PLAN

FAIR CREDIT BILLING ACT (FCBA)

TRADE NAME

CHAPTER 13 PLAN

PRESUMED ABUSE

LIEN

TOXIC TORT

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

SAMPLE LEGAL CASES

Eaves v. Unifund CCR Partners

Dulong v. Citibank (South Dakota), NA

Martinez v. Midland Credit Management, Inc.

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