Joel Gonzalez logo with initials JG.
Contact Us
(361) 654-DEBT

Blogs

document

Stopping Debt Collectors in Texas: What the Law Says in 2025

Blogs /

In 2025, debt collectors in Texas continue to face strict regulations under both federal and state law. The Fair Debt Collection Practices Act (FDCPA) and the Texas Debt Collection Act (TDCA) work together to prohibit aggressive or misleading tactics used by collectors. These laws prevent harassment, false statements, and unfair threats—ensuring that consumers are treated fairly throughout […]

Stopping Debt Collectors in Texas: What the Law Says in 2025 Read More »

a doctor holding papers in a file

Medical Bill Collections and Debt Relief Options for Texas Residents

Blogs /

Medical debt has become one of the leading causes of financial stress for Texans. Even with insurance, high deductibles, emergency visits, and unexpected hospital bills often leave patients facing unmanageable balances. When payments lapse, hospitals and third-party collectors pursue recovery through aggressive medical bill collection practices, adding interest, penalties, and collection fees that make repayment harder. Many

Medical Bill Collections and Debt Relief Options for Texas Residents Read More »

close-up of bankruptcy papers

Chapter 7 vs. Chapter 13 Bankruptcy in Corpus Christi: Which Is the Right Choice?

Blogs /

Financial hardship can strike unexpectedly, leaving individuals uncertain about how to move forward. When debts become unmanageable, understanding the difference between Chapter 7 vs. Chapter 13 bankruptcy can help determine the most effective route toward financial recovery. Each chapter serves a distinct purpose and fits different financial crises, making it important to evaluate how assets, income,

Chapter 7 vs. Chapter 13 Bankruptcy in Corpus Christi: Which Is the Right Choice? Read More »

Facing a debt collection lawsuit that you can’t ignore? Learn how legal representation helps protect finances and prevent costly default judgments.

Why Debt Collection Lawsuits Are on the Rise in Corpus Christi

Blogs /

Rising interest rates, inflation, and post-pandemic financial pressures have triggered a steady increase in debt collection lawsuits across Corpus Christi. Creditors and debt buyers are turning to the courts to recover unpaid balances, targeting consumers struggling with credit cards, medical bills, and personal loans. For many residents, these lawsuits arrive unexpectedly—often after months of financial hardship or

Why Debt Collection Lawsuits Are on the Rise in Corpus Christi Read More »

a person sitting in a taxi

Repossession Lawyers in Corpus Christi: How Attorneys Step In Before It’s Too Late

Blogs /

When financial hardship hits, vehicle repossession can quickly become a pressing concern. Missed car payments often trigger lender action, leaving consumers facing the loss of their primary mode of transportation. For many residents, early legal intervention from a repossession lawyer in Texas can make the difference between keeping a car and losing it.

Repossession Lawyers in Corpus Christi: How Attorneys Step In Before It’s Too Late Read More »

a person holding documents on a table

Facing a Foreclosure Lawsuit in Texas? Legal Paths to Protect Your Home

Blogs /

A foreclosure lawsuit in Texas is less common than in many other states due to Texas’s non-judicial foreclosure system. In most cases, lenders can foreclose without filing a court case, provided the loan is a standard purchase-money mortgage. However, when a property involves a home equity loan, reverse mortgage, or property tax lien transfer, the lender must

Facing a Foreclosure Lawsuit in Texas? Legal Paths to Protect Your Home Read More »

close-up picture of credit cards

Credit Card Debt Relief in Corpus Christi: What Consumers Need to Know in 2025

Blogs /

Across Texas, and particularly in Corpus Christi, credit card balances have surged due to inflation and higher interest rates. Many households that once managed minimum payments now face growing monthly bills as interest compounds. For residents carrying revolving balances, credit card debt has become more difficult to manage, especially as the cost of essentials continues to

Credit Card Debt Relief in Corpus Christi: What Consumers Need to Know in 2025 Read More »

A debt settlement lawyer in Harlingen helps clients navigate overwhelming debt with structured strategies and legal guidance.

What to Expect from a Debt Settlement Lawyer in Harlingen Today

Blogs /

When dealing with overwhelming debt, a debt settlement lawyer in Harlingen can be an invaluable ally. With modern negotiation strategies and legal expertise, these professionals help individuals take control of their financial situation. Here’s a closer look at what clients can expect from a debt settlement lawyer today, the strategies they employ, and how to avoid common

What to Expect from a Debt Settlement Lawyer in Harlingen Today Read More »

Missing payments can lead to sudden repossession—acting quickly is the only way to keep your car from being towed away.

Is the Repo Truck Around the Corner? How to Avoid Losing Your Car When Debt Piles Up

Blogs /

Falling behind on auto loan payments is more common than many realize. According to recent reports, more than 2.3 million vehicles are repossessed annually in the United States, with Texas among the states seeing a steady rise. Missing payments may put you at immediate risk of repossession, but there are ways to avoid losing your car and regain

Is the Repo Truck Around the Corner? How to Avoid Losing Your Car When Debt Piles Up Read More »

Person standing in front of a vehicle facing the threat of car repossession

Is Repossession Inevitable? How a Lawyer Can Help You Keep Your Car in Rockport

Blogs /

Vehicle repossessions in Texas have been steadily increasing as families face financial strain. According to the Federal Reserve, auto loan delinquency rates rose to the highest level in over a decade, hitting middle- and low-income households hardest. For Rockport residents, the loss of a car can mean more than just inconvenience—it can affect employment, childcare, and daily

Is Repossession Inevitable? How a Lawyer Can Help You Keep Your Car in Rockport Read More »

Joel Gonzalez logo with JG initials.

WE ARE A DEBT RELIEF LAW FIRM.
WE HELP PEOPLE FILE FOR BANKRUPTCY RELIEF UNDER THE BANKRUPTCY CODE.

Facebook Linkedin Phone-alt

Copyrights © 2023 The Law Office of Joel Gonzalez. All rights reserved.

Contact Us

Blogs

Scroll to Top