Best Consumer Protection Lawyers in Fort Worth, TX

First of all Texas law provides a number of exemptions to protect various assets. Your homestead is exempt from creditors. One (1) vehicle per licensed driver is exempt. There is no garnishment of wages in Texas.

Chances are they are a debt buyer. Debt buyers will purchase large portfolios of debt, generally for pennies on the dollar. In many cases there is little or no supporting documentation, or proof of ownership. While this trend seems to be changing in favor of the collectors, there are different grades of portfolios, and they have different values. Usually debt collection lawsuits take on the personality of the lawyers bringing the suits rather than that of the plaintiff.

It is a good idea to have at least a basic conversation about bankruptcy sooner, rather than later. This does not mean I am going to encourage you to file, but it is better to get a big picture idea of your debt picture, income levels, and types of assets sooner, rather than later. Bankruptcy is not all that I do, and it is not a one size fits all solution, but it can be a very powerful tool to discharge or reorganize your debt and put you back in control of your financial future.

The first question here is were you properly served on the original suit. If you were never served and a default judgment was granted you may qualify for a Bill of Review. A Bill of review is a collateral attack on the judgment. It is a brand new law suit and the debtor has the burden to prove that he or she was not served. Your word against the process servers will not suffice, but something like a hotel receipt for the date of service, or proof that you had already moved might be enough to get the old suit reopened. Another alternative is called an affidavit for partial release of lien for sale of a homestead. There is a process and it takes time. Call me for a free consultation.