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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, Reorganization, Foreclosure, Tax Litigation

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

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.

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

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.

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).

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

FCRA

See Fair Credit Reporting Act.

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.

Ask A Lawyer

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

FAIR CREDIT REPORTING ACT (FCRA)

ACCORD AND SATISFACTION

BANKRUPTCY

PRESUMED ABUSE

CREDIT REPORT

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

FCRA

CURRENT MONTHLY INCOME

CREDIT FILE

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