If so, you’re not alone. For many, calls and messages from debtors aren’t just a nuisance — they can feel like nonstop pressure, anxiety, and even harassment. When bills pile up and accounts fall behind, collection agencies often act aggressively. Repeated phone calls, threatening letters, and misleading tactics can leave anyone feeling cornered. But here’s […]
Your Guide to Stopping Debt Collectors Through Legal Action Read More »
Is that call really legal? If you’ve ever been hounded by a debt collector, chances are you’ve wondered whether they’re allowed to do the things they do—like calling at odd hours, threatening legal action, or harassing you at work. You’re not alone. That kind of pressure can feel relentless—but it’s also often illegal. At the Law
What Debt Collectors Don’t Want You to Know: Your Rights Under Texas and Federal Law Read More »
Have you been served papers about a debt you thought had gone quiet? You’re not alone. Every year, thousands of Texans face lawsuits over unpaid credit cards, personal loans, or bills from a medical debt collection agency. When the legal notice comes, it’s easy to freeze or panic—but ignoring it is the worst thing you can
What to Do If You’re Sued for Debt in Texas: A Step-by-Step Guide Read More »
Can the money you rely on in retirement be taken to pay off old debts? For many seniors living on fixed incomes, this is a scary thought. But what happens when creditors come calling? In retirement, our income sources change, but debt collectors don’t always slow down. That’s where the Law Office of Joel Gonzalez can step
Can Creditors Take Your Social Security? What Retirees in Texas Need to Know Read More »
If you’ve been hit with a debt collection lawsuit, it’s easy to feel overwhelmed. But here’s the truth: You have options. According to a study by the Consumer Financial Protection Bureau, nearly 70% of debt collection lawsuits end in default judgments simply because the defendant doesn’t respond. Don’t let that be you. Instead, take action to
How to Fight a Debt Collection Lawsuit in Corpus Christi and Win Read More »
Debt collection harassment is a stressful and overwhelming experience for anyone facing financial challenges. Fortunately, the Fair Debt Collection Practices Act (FDCPA) provides protections to ensure debt collectors operate within legal boundaries. This blog will explain your rights under the FDCPA and provide actionable steps to stop debt collection harassment while introducing you to resources like
How to Protect Yourself from Debt Collection Harassment Read More »
When debt collectors keep calling and sending letters, it can feel relentless. Luckily, the law offers you several rights to stop debt collection harassment. With protections like the Fair Debt Collection Practices Act (FDCPA), you can take specific steps to limit or even halt unwanted contact from debt collectors. The Law Office of Joel Gonzalez is a
How to Stop Debt Collectors: Your Legal Rights Explained Read More »
Imagine unwinding after a long day, only to be rattled by an aggressive debt collector asking questions about an alleged debt. This stressful ordeal, unfortunately, is a reality for many Americans. Feeling helpless and unsure of what to do? You’re not alone. But there’s good news! The Fair Debt Collection Practices Act (FDCPA) grants you specific
Debt Collector Harassment? Halt the Headhunters Read More »
Debt collection lawsuits can be incredibly stressful and daunting. Whether you’re dealing with a medical debt collection agency or a credit card company, knowing your rights and having a solid plan to fight back is crucial. In Corpus Christi, Texas, debtors have several legal defenses they can use to protect themselves from debt collection harassment. In
4 Top Debt Collection Lawsuit Defenses Read More »
Debt can be overwhelming, especially if you have multiple debts from different sources with varying interest rates. When faced with this situation, prioritizing which debts to pay off first is crucial to get out of debt as soon as possible while saving money in the long run. In this blog, we will explore the factors
Factors To Consider When Prioritizing Which Debts To Pay Off First Read More »
