What would you do if your car was gone tomorrow or a sheriff showed up with a lawsuit notice from a creditor? Unfortunately, that’s the reality for thousands of Texans. Whether it’s a car loan, personal loan, or medical bill, the pressure can feel nonstop—especially when aggressive collection tactics start to interfere with your daily life.
At the Law Office of Joel Gonzalez, we help people in Corpus Christi stand up to this kind of pressure. If you’re being threatened with repossession or hit with a debt collection lawsuit, we may be able to help you stop the harassment, protect your property, and get back in control.
In this blog, we’ll go over your legal rights, how bankruptcy may help, and why working with a debt collection relief attorney in Texas can make a major difference.
Know Your Rights Before You Panic
Texas law gives you more protection than many people realize. Here are a few things creditors and debt collectors can’t do:
- They can’t harass you with endless calls or threats.
- They can’t show up at your job without permission.
- They must follow specific legal procedures before taking your property or suing you.
If you’re being threatened with repossession or served papers for a debt collection lawsuit in Corpus Christi, don’t wait to take action.
What Happens If You’re Sued by a Creditor?
Once you’re sued, time is critical. You typically have only a few weeks to respond. If you ignore it, the creditor may win a default judgment and try to take your assets. This is where a debt collection relief attorney can help:
- Review the lawsuit and your rights
- Respond to the court properly and on time
- Challenge any illegal or unfair practices
- Talk through your options—including bankruptcy, if appropriate
Can Bankruptcy Help Stop Repossession or Collection Lawsuits?
In many cases, yes. Filing for bankruptcy can put an immediate stop to most collection efforts. This may include:
- Halting a pending repossession
- Stopping a lawsuit from moving forward
- Freezing action from a medical debt collection agency
- Giving you time to restructure or eliminate debts legally
This legal protection, known as the “automatic stay,” can provide breathing room while we work on a long-term solution.
Ready to Stop the Harassment and Protect Your Property?
What’s more stressful—losing your car or facing collectors alone with no idea where to turn? You don’t have to keep dealing with threats or confusing paperwork. One of the leading ways to stop debt collection harassment is to speak with an experienced attorney who focuses on these cases.
The Law Office of Joel Gonzalez provides honest, personalized help for people dealing with repossession threats or lawsuits from creditors. Joel works directly with every client—offering practical guidance and aggressive protection of your rights.
If you’re facing a debt collection lawsuit in Corpus Christi or need to stop debt collectors now, contact the Law Office of Joel Gonzalez today. He can help you understand your legal options and take the steps that make sense for your situation.
