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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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Includes: Bankruptcy Litigation, Commercial Bankruptcy, Consumer Bankruptcy, Dissolution

Loc Tan Dang

International Other, Immigration, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 12 Years

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11442 N Interstate 35, Austin, TX 78753

Bryan W. Mcdaniel

Wills, Family Law, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 26 Years

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34 N Avenue, Elgin, TX 78621

Nirmal Bhakta

Commercial Real Estate, Litigation, Business & Trade, Consumer Bankruptcy

Status: In Good Standing Licensed: 23 Years

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305 N Heatherwilde Blvd, Pflugerville, TX 78660

Nirmal Bhakta

Commercial Real Estate, Litigation, Business & Trade, Consumer Bankruptcy

Status: In Good Standing Licensed: 23 Years

CONTACT

305 N Heatherwilde Blvd, Pflugerville, TX 78660

Harold Leon Hardy

Personal Injury, Family Law, Consumer Bankruptcy, Criminal

Status: In Good Standing Licensed: 13 Years

CONTACT

5407 N Ih 35, Austin, TX 78723

Christy Lingafelter Heimer

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 13 Years

CONTACT

6633 E Highway 290, Austin, TX 78723

Ernest F. Bogart

Litigation, Clean Air Practice, Banking & Finance, Bankruptcy

Status: In Good Standing Licensed: 48 Years

CONTACT

6633 E Highway 290, Austin, TX 78723

Jeffrey Eugene Maufrais Kelly

Credit & Debt, Bankruptcy, Consumer Bankruptcy

Status: In Good Standing Licensed: 6 Years

CONTACT

7703 N Lamar Blvd., Austin, TX 78752

Baldemar Cano

Bankruptcy, Family Law, Non-profit, Wills

Status: In Good Standing Licensed: 43 Years

CONTACT

7100 Mumruffin Ln, Austin, TX 78754

Jared Allen Greathouse

International Other, Bankruptcy, Family Law, Business & Trade

Status: In Good Standing Licensed: 9 Years

CONTACT

17305 Gabbro Drive, Manor, TX 78653

800-923-0641

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LEGAL TERMS

FDCPA

See Fair Debt Collections & Practices Act.

WINDING UP

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, a... (more...)

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, all with the ultimate goal of liquidating or closing down a corporation or partnership.

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

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.

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 CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

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).

LIMITED PARTNERSHIP

A business structure that allows one or more partners (called limited partners) to enjoy limited personal liability for partnership debts while another partner ... (more...)

A business structure that allows one or more partners (called limited partners) to enjoy limited personal liability for partnership debts while another partner or partners (called general partners) have unlimited personal liability. The key difference between a general and limited partner concerns management decision making--general partners run the business, and limited partners, who are usually passive investors, are not allowed to make day-to-day business decisions. If they do, they risk being treated as general partners with unlimited personal liability.

NONDISCHARGEABLE DEBTS

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chap... (more...)

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chapter 13 bankruptcy, the nondischargeable debts will have to be paid in full during your plan or you will have a balance at the end of your case. Examples of nondischargeable debts include alimony and child support, most income tax debts, many student loans and debts for personal injury or death caused by drunk driving. Compare dischargeable debts.

SAMPLE LEGAL CASES

Ferguson v. BUILDING MATERIALS

... Clair Newbern, Fort Worth, TX, for Amicus Curiae. PER CURIAM. At issue in this appeal is whether the plaintiffs in a personal injury suit should be estopped from pursuing their claim because they initially omitted it as a listed asset in a pending bankruptcy. ...

Graber v. Fuqua

... 2240, 135 L.Ed.2d 700 (1996)). IV. Federal Law Occupies the Field of Bankruptcy and Preempts State Law. ... Id. C. The Required Uniformity of Bankruptcy Laws Mitigates Against Development of State Common Law Claims for Misconduct in Bankruptcy Proceedings. ...

Unifund CCR Partners v. Villa

... Villa later filed for bankruptcy, and his debts were discharged. In his bankruptcy filing, Villa listed Bank One, not Unifund, as creditor on the credit card debt. After Villa's bankruptcy, Unifund sued Villa on the debt. Villa answered ...

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Manor Bankruptcy Lawyer, Texas

Sponsored Law Firm

Ciment Law Firm PLLC

SPONSORED LAWYERS

Loc Tan Dang

Bryan W. Mcdaniel

Nirmal Bhakta

Nirmal Bhakta

Harold Leon Hardy

Christy Lingafelter Heimer

Ernest F. Bogart

Jeffrey Eugene Maufrais Kelly

Baldemar Cano

Jared Allen Greathouse

TIPS

LEGAL TERMS

FDCPA

WINDING UP

DISCHARGEABLE DEBTS

FAIR LABOR STANDARDS ACT (FLSA)

AUTOMATIC STAY

FAIR CREDIT REPORTING ACT (FCRA)

LIEN

LIMITED PARTNERSHIP

NONDISCHARGEABLE DEBTS

SAMPLE LEGAL CASES

Ferguson v. BUILDING MATERIALS

Graber v. Fuqua

Unifund CCR Partners v. Villa

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