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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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Chance M. McGhee

Bankruptcy & Debt, Bankruptcy, Collection, Foreclosure, Credit & Debt

Attorney Chance McGhee is a highly respected bankruptcy attorney in the San Antonio area and beyond. He served as the past Treasurer and is currently ... (more)

FREE CONSULTATION

CONTACT

210-342-3400

8207 Callaghan Rd., San Antonio, TX 78230

Farheen Sohail Jan (Farheen)

✓ VERIFIED

Traffic, Criminal, Collection, Car Accident

CONTACT

908-672-0683

1139 W Hildebrand, San Antonio, TX 78201

Stephen Hardy Gordon

✓ VERIFIED

Criminal, Bankruptcy, Family Law, Personal Injury, Wills & Probate

Stephen H. Gordon is a native Texan, who grew up in the Houston and San Antonio area. He graduated from University of Texas at San Antonio with a degr... (more)

CONTACT

800-924-5990

11844 Bandera Rd, Helotes, TX 78023

Gennaro G. Du Terroil

✓ VERIFIED

Family Law, Employee Rights, Employment, Consumer Bankruptcy, Personal Injury

Gennaro Du Terroil is an experience lawyer who has been practicing since 2003. Mr. Terroil has been an active lawyer since 2009 in the State of Texas.... (more)

CONTACT

800-908-6581

18756 Stone Oak Pkwy, San Antonio, TX 78258

Randolph N. Osherow

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

FREE CONSULTATION

CONTACT

342 West Woodlawn Avenue, San Antonio, TX 78212

Rick Flume

Tax, Bankruptcy

Status: In Good Standing

FREE CONSULTATION

CONTACT

8700 Crownhill Blvd., San Antonio, TX 78209

Allen D. Ewald

Corporate Tax, Business Successions, Business Organization, Dissolution

Status: In Good Standing

CONTACT

7373 Broadway, San Antonio, TX 78209

Paul W. Rosenbaum

Bankruptcy

Status: In Good Standing

CONTACT

7330 San Pedro Plaza, San Antonio, TX 78216

Jack A Efron

Bankruptcy, Family Law, Litigation, Wills & Probate

Status: In Good Standing

CONTACT

Suite 660, 10010 San Pedro Ave., San Antonio, TX 78216

Ronald J. Smeberg

Estate Planning, Banking & Finance, Credit & Debt, Bankruptcy

Status: In Good Standing

FREE CONSULTATION

CONTACT

11550 W Interstate 10, San Antonio, TX 78230

800-923-0641

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LEGAL TERMS

C CORPORATION

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S c... (more...)

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S corporation, whose profits are passed through to shareholders and taxed on their personal returns under subchapter S of the Internal Revenue Code.

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.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

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.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

LIQUIDATING PARTNER

The member of an insolvent or dissolving partnership responsible for paying the debts and settling the accounts of the partnership.

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

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.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

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San Antonio Bankruptcy & Debt Lawyer, Texas

Sponsored Law Firm

Ciment Law Firm PLLC

SPONSORED LAWYERS

Chance M. McGhee

Farheen Sohail Jan (Farheen)

Stephen Hardy Gordon

Gennaro G. Du Terroil

Randolph N. Osherow

Rick Flume

Allen D. Ewald

Paul W. Rosenbaum

Jack A Efron

Ronald J. Smeberg

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LEGAL TERMS

C CORPORATION

CREDIT INSURANCE

GUARANTEED RESERVATION

WORKOUT

INTEREST

LIQUIDATING PARTNER

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

REAFFIRMATION

DISPOSABLE INCOME

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