Have you ever received a court summons over a credit card balance and felt unsure what to do next? You’re not alone—millions of Americans face credit card lawsuits every year, and studies show that many people lose these cases simply because they never respond. Ignoring the lawsuit is one of the costliest mistakes you can make, as […]
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Have you ever worried that filing for bankruptcy might mean losing everything you own? Many people share that fear, which is why they delay seeking help. In fact, bankruptcy filings rose by 11.5% in the fiscal year ending in June 2025, compared to last year. A significant portion of these cases involve people who could have kept
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Have you ever been surprised by a call from a medical debt collection agency about a bill you thought was already handled? Medical bills account for more than half of all debt on credit reports in the U.S. — and many of those debts are disputed or inaccurate. These collections can hurt credit scores, create stress, and
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Have you just been served with a foreclosure notice and are unsure what to do next? Acting quickly can make the difference between keeping your home and losing it. At the Law Office of Joel Gonzalez, we understand how stressful it can be to face foreclosure. There are practical steps you can take right now
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Are mounting bills and persistent calls from creditors making it hard to focus on anything else? You’re not alone—recent studies show that nearly 55% of Americans live paycheck to paycheck, which means even a small financial setback can spiral into unmanageable debt. Ignoring collection calls can make things worse, but there are ways to regain control
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Receiving collection calls even after making payments can be frustrating and stressful. Under the Fair Debt Collection Practices Act (FDCPA), harassment from creditors or collection agencies is prohibited—regardless of whether you are behind, caught up, or currently paying. According to the Consumer Financial Protection Bureau reports that one in four consumers contacted by debt collectors feels threatened,
Have the collection calls started to feel like a daily routine? Over 30% of Americans have debt in collections at some point in their lives — and many wait too long before seeking professional help. Debt doesn’t just affect our credit scores; it can affect our health, relationships, and peace of mind. When debt starts taking
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Facing repossession in Victoria can be stressful and overwhelming, especially if you are unsure of your legal rights. In Texas, lenders must follow specific procedures before taking your property, and knowing those rules can give you the opportunity to protect what you own. According to research, vehicle repossessions have been steadily increasing, with more than 4.5 million
Getting Repossessed in Victoria? What the Lender Doesn’t Want You to Know Read More »
According to research, the average American household debt increased by $185 billion to hit $18.39 trillion in the second quarter, with credit card debt and interest rates climbing for many borrowers. For residents of Alice, Texas, these numbers can feel even heavier when unexpected job loss, medical bills, or other emergencies lead to mounting balances. High interest charges and
Vehicle repossession can happen quickly, often within days of a missed payment. According to consumer finance data, thousands of vehicles are repossessed across Texas every year, leaving families without transportation and struggling to recover. In Aransas, knowing your rights under vehicle repossession laws is the first step toward protecting your car and your financial stability. Before you
Aransas Residents: Are You One Missed Payment Away from Losing Your Car? Read More »
