by The Werner Law Group | Jul 30, 2021 | Debt
We like to think that something as official and consequential as a credit report is error-free, but unfortunately, credit reporting errors do happen. One study by the Federal Trade Commission found that about five percent of consumers have at least one damaging error...
by The Werner Law Group | Jul 16, 2021 | Debt
Under federal and state law, debt collection agencies are prohibited from using certain abusive and fraudulent tactics to coerce debtors into paying off their debts. If the debtor is able to prove that debt collectors have violated their rights, they may be entitled...
by The Werner Law Group | Jul 2, 2021 | Debt, Real Estate
As many of us have come to realize, financial situations change quickly. After buying an item on credit, we may come on hard times and have trouble paying off the loan. If you’ve missed payments on a property you have as collateral, the lender could try to...
by The Werner Law Group | Jun 15, 2021 | Debt
Most of us have some form of debt, whether it be credit card debt, student loans, or a home mortgage. The first step to dealing with debt is to understand what kind you have. The most common form of debt is consumer debt, which is any debt that is personal in nature...
by The Werner Law Group | May 7, 2021 | Debt
In the United States, we have the Fair Debt Collection Practices Act (FDCPA) to provide some legal protection to debtors from debt collectors. In Texas, we also have the Texas Debt Collection laws specifically for our state’s residents. Those laws limit what is and is...
by The Werner Law Group | Apr 23, 2021 | Debt
No one likes to be reminded of a debt they owe. We’d rather forget about it, or at least put it off until we have the money to pay it without ignoring our other monthly expenses. It can feel like we are being harassed and abused, even if we aren’t. But some creditors...