Nueces County, TX Bankruptcy & Debt Lawyers

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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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Allan Leslie Potter

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Bankruptcy, Divorce & Family Law, DUI-DWI, Aviation, Lawsuit

Our firm is dedicated to providing quality legal services to our clients. We will consult with our clients so they understand the law and advise on s... (more)

FREE CONSULTATION

CONTACT

800-913-2070

606 N. Carancahua; Suite 820, Corpus Christi, TX 78463

Terry Dahlman

Business Organization, Corporate Tax, Directors & Officers, Dissolution

Status: In Good Standing

CONTACT

One Shoreline Plaza, 800 North Shoreline, Corpus Christi, TX 78401

William A. Thau

Adoption, Dispute Resolution, Bankruptcy, Business Organization

Status: In Good Standing

CONTACT

9708 S.P.I.D. Suite A-101, Corpus Christi, TX 78418, Mailing Address:, Corpus Christi, TX 78480

Jacqueline Kaye Jorgensen

Social Security -- Disability, State Government, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 24 Years

CONTACT

5262 South Staples, Corpus Christi, TX 78411

Stuart Ryan White

Litigation, Oil & Gas, Consumer Bankruptcy, Personal Injury

Status: In Good Standing

CONTACT

500 N Water St, Corpus Christi, TX 78401

David Walsh

Litigation, Clean Air Practice, Credit & Debt, Personal Injury

Status: In Good Standing

CONTACT

711 N Carancahua St, Corpus Christi, TX 78401

Harlin C. Womble

Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

401 Mary Louise Dr, Corpus Christi, TX 78401

Claude M. Henkel

Litigation, International Other, Business & Trade, Credit & Debt

Status: In Good Standing

CONTACT

802 N Carancahua St, Corpus Christi, TX 78401

Daniel Gavin Covich

Immigration, Family Law, Consumer Bankruptcy, Personal Injury

Status: Inactive

CONTACT

4141 S. Staples Street, Corpus Christi, TX 78411

Christine Davy Cone

Personal Injury, Credit & Debt, Business & Trade, Commercial Real Estate

Status: In Good Standing

CONTACT

611 S Upper Broadway St, Corpus Christi, TX 78401

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.

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.

SUBROGATION

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off i... (more...)

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off its injured claimant takes the legal rights the claimant has against a third party that caused the injury, and sues that third party.

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.

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 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.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

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.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

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Nueces County, TX Bankruptcy & Debt Lawyers

Sponsored Law Firm

Ciment Law Firm PLLC

SPONSORED LAWYERS

Allan Leslie Potter

Terry Dahlman

William A. Thau

Jacqueline Kaye Jorgensen

Stuart Ryan White

David Walsh

Harlin C. Womble

Claude M. Henkel

Daniel Gavin Covich

Christine Davy Cone

TIPS

LEGAL TERMS

CURRENT MONTHLY INCOME

FAIR CREDIT BILLING ACT (FCBA)

SUBROGATION

AUTOMATIC STAY

401(K) PLAN

FAIR LABOR STANDARDS ACT (FLSA)

GUARANTOR

MEANS TEST

CHAPTER 13 BANKRUPTCY

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