Valley Spring Bankruptcy & Debt Lawyer, Texas

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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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Nina Sanchez Willis

Juvenile Law, Litigation, Family Law, Credit & Debt

Status: In Good Standing Licensed: 26 Years

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Olney Gray Wallis

Military, Litigation, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 55 Years

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9535 S Highway 16, Llano, TX 78643

Mary Moursund

Credit & Debt, Wills, Commercial Real Estate

Status: In Good Standing Licensed: 39 Years

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A. Gerald Geistweidt

Environmental Law Other, Administrative Law, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 45 Years

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9535 S Highway 16, Llano, TX 78643

Roger N. Havekost

Bankruptcy

Status: Inactive Licensed: 59 Years

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204 N Blue Ridge Trl, Horseshoe Bay, TX 78657

Gary Dale Waldrop

Construction, Family Law, Business & Trade, Consumer Bankruptcy

Status: In Good Standing Licensed: 21 Years

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310 Sunset Dr, Burnet, TX 78611

Richard Wynn Owen

Commercial Real Estate, Banking & Finance, Administrative Law, Consumer Bankruptcy

Status: In Good Standing Licensed: 55 Years

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1200 Hi Cir S, Horseshoe Bay, TX 78657

Richard Wynn Owen

Commercial Real Estate, Banking & Finance, Administrative Law, Consumer Bankruptcy

Status: In Good Standing Licensed: 55 Years

CONTACT

1200 Hi Cir S, Horseshoe Bay, TX 78657

Mary Lou Clark (McCollum)

Bankruptcy

Status: In Good Standing Licensed: 42 Years

CONTACT

109 Wilderness Dr. W., Marble Falls, TX 78654

Austin Coran Shell

Family Law, Criminal, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 9 Years

CONTACT

6000 N Us Highway 281, Marble Falls, TX 78654

800-923-0641

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LEGAL TERMS

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.

FCBA

See Fair Credit Billing Act.

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.

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.

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.

COLLATERAL

Property that guarantees payment of a secured debt.

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.

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

S CORPORATION

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status fro... (more...)

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status from the Internal Revenue Service. Electing to do business as an S corporation lets shareholders enjoy limited liability status, as would be true of any corporation, but be taxed like a partnership or sole proprietor. That is, instead of being taxed as a separate entity (as would be the case with a regular or C corporation) an S corporation is a pass-through tax entity: income taxes are reported and paid by the shareholders, not the S corporation. To qualify as an S corporation a number of IRS rules must be met, such as a limit of 75 shareholders and citizenship requirements.

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Valley Spring Bankruptcy & Debt Lawyer, Texas

Sponsored Law Firm

Ciment Law Firm PLLC

SPONSORED LAWYERS

Nina Sanchez Willis

Olney Gray Wallis

Mary Moursund

A. Gerald Geistweidt

Roger N. Havekost

Gary Dale Waldrop

Richard Wynn Owen

Richard Wynn Owen

Mary Lou Clark (McCollum)

Austin Coran Shell

TIPS

LEGAL TERMS

CREDIT INSURANCE

FCBA

DISPOSABLE INCOME

CHAPTER 13 BANKRUPTCY

WINDING UP

COLLATERAL

ACCORD AND SATISFACTION

ABUSE

S CORPORATION

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