In Struggling Economy, Need For Debt Defense More Important Than Ever

Online, August 30, 2011 (Newswire.com) - In recent years, a sluggish economy has caused many people to take on significant amounts of debt without the ability to pay. Now, more than ever, it has become increasingly important for consumers to seek the proper legal defense against debt collectors.

David Fernandez is a consumer attorney who is based in Houston, Texas, and serves clients from all areas of Texas including: Dallas, San Antonio, Austin, El Paso, Fort Worth, Arlington, and more. He deals with a variety of issues related to consumer law including: debt collection defense, collector harassment, FDCPA violations, deceptive trade practices, debt settlement, business litigation law, and debt restructuring.

"There are thousands of Texans who have lost their jobs and are facing losing their home and their most valuable personal possessions. It can be a demoralizing experience when people can't pay their debts on time," said Fernandez. "We work hard to stop creditor harassment and protect the rights of our clients."

There are Texas debt collection practices that would be considered illegal under the FDCPA: calling too early in the morning or too late at night, telephone calls made from an auto-dialer, using profane language when attempting to collect, threatening you in any manner, not revealing their identity, suing on a time-barred debt, and more.

Unfortunately, for people struggling with debt issues, defending themselves against debt collectors can be a complicated and difficult task. There are a lot of facets to the FDCPA. And, in some cases, the Texas Consumer Protection Act (TCPA), sometimes searched for as "Texas debt collection act," provides for stronger protections and would be a more appropriate tool to redress violations of the act.

"It's important that people in debt are exactly aware of what their rights are," continued Fernandez. "A lot of times, people are intimidated and scared into thinking that, since they have debt, they are no longer entitled to be treated fairly."

If you have been sued on a debt, or are presently being harassed by debt collectors, contact David Fernandez for a free telephone consultation: 713-513-4895.