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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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James G. Vetter

Business Organization, Estate Planning, Securities, Reorganization

Status: In Good Standing

CONTACT

Renaissance Tower, 1201 Elm Street, Dallas, TX 75270

Sarah Pack

Government, Corporate, Non-profit, Reorganization

Status: In Good Standing

CONTACT

5850 Granite Parkway, Plano, TX 75024

Timothy David Patterson

Corporate, Litigation, Reorganization, Federal Appellate Practice

Status: In Good Standing Licensed: 18 Years

CONTACT

2101 W John Carpenter Fwy, Irving, TX 75063

Courtney Jane Hull

Litigation, Merger & Acquisition, Reorganization, Credit & Debt

Status: In Good Standing Licensed: 12 Years

CONTACT

7557 Rambler Rd, Dallas, TX 75231

Jon Nelson

Contract, Reorganization, Personal Injury, Employee Rights

Status: In Good Standing

CONTACT

1400 W. Abram Street, Arlington, TX 76013

Blake L. Berryman

Reorganization, Bankruptcy

Status: In Good Standing

CONTACT

777 Main Street, Fort Worth, TX 76102

Chris Lee Gilbert

Litigation, Science, Technology & Internet, Insurance, Reorganization

Status: In Good Standing Licensed: 21 Years

CONTACT

1717 Mckinney Ave, Dallas, TX 75202

Chris Gilbert

Litigation, Science, Technology & Internet, Insurance, Reorganization

Status: In Good Standing Licensed: 21 Years

CONTACT

1717 Mckinney Ave, Dallas, TX 75202

Chris Lee Gilbert

Litigation, Science, Technology & Internet, Insurance, Reorganization

Status: In Good Standing Licensed: 21 Years

CONTACT

1717 Mckinney Ave, Dallas, TX 75202

Jonathan Robert Patton

Real Estate, Litigation, Reorganization, Bankruptcy

Status: In Good Standing Licensed: 8 Years

CONTACT

1807 Ross Ave, Dallas, TX 75201

800-923-0641

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LEGAL TERMS

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

PRIORITY DEBT

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13... (more...)

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13 bankruptcy. Priority debts include alimony and child support, fees owed to the trustee and the attorney in the bankruptcy case, and wages owed to employees.

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.

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.

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

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).

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

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Denton Reorganization Lawyer, Texas

Sponsored Law Firm

Ciment Law Firm PLLC

SPONSORED LAWYERS

James G. Vetter

Sarah Pack

Timothy David Patterson

Courtney Jane Hull

Jon Nelson

Blake L. Berryman

Chris Lee Gilbert

Chris Gilbert

Chris Lee Gilbert

Jonathan Robert Patton

TIPS

LEGAL TERMS

CURRENT MONTHLY INCOME

REPOSSESSION

PRIORITY DEBT

FORBEARANCE

IRS EXPENSES

REAFFIRMATION

GARNISHMENT

CREDIT REPORT

MEANS TEST

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