Creditor Harassment Attorney in Garland

Take Control Of Relentless Creditor Contact

If you are afraid to answer your phone or open your mail because of creditors, you are not alone. For many people in Garland, constant calls, threatening letters, and collection lawsuits turn an already difficult financial situation into a daily source of stress. You may be wondering whether a creditor harassment attorney in Garland can actually change what you are going through.

At LoBue Law, PLLC, we help individuals and small business owners understand their rights and use the law to push back against aggressive creditors and collectors. Attorney Vincent "Vinny" LoBue brings more than 25 years of experience in bankruptcy and debt relief, including years spent representing banks in bankruptcy proceedings. That background gives our firm a clear view of how creditors think and how to respond.

When you contact us, you speak directly with an attorney who listens to your story, explains your options, and helps you build a plan to move forward. Our goal is to replace fear and confusion with clear next steps so you can start to feel some relief from creditor pressure.

Put an end to creditor harassment today—speak with our experienced Garland creditor harassment lawyer now. Call (972) 694-6400 or reach out online.

Why People Facing Harassment Choose Us

When creditors will not back off, you need more than general information. You need a law firm that understands both sides of the process and can translate that into practical strategies for you. At LoBue Law, PLLC, we draw on Vincent LoBue’s prior work for banks to anticipate how creditors may act in collection and bankruptcy matters. We use that insight to help our clients in Garland and across North Texas protect what matters most.

From the first call, you deal directly with attorney LoBue, not a rotating group of staff members. Many people tell us they are tired of explaining their situation over and over. We structure our practice so that you have one primary legal contact who knows your case and your goals. When new creditor letters arrive or you receive a lawsuit, you can reach out and talk with the same attorney who already understands the background.

We also recognize that if you are behind on bills, paying for legal help can feel out of reach. Our firm offers flexible payment arrangements, and in many cases, clients can begin proceedings with as little as $100 down. We discuss fees clearly at the beginning so you can decide whether hiring us makes sense for your budget. During business hours, we strive to respond to client messages within one hour, because we know that delays can make a stressful situation feel even worse.

Most importantly, we focus on building a personalized debt relief plan instead of pushing everyone toward the same solution. For some, that may involve a Chapter 7 case to address unsecured debt. For others, it might be a Chapter 13 repayment plan or another approach. Our role is to explain the options in plain language, then work with you to choose a path that fits your circumstances and long-term goals.

What To Do When Creditors Will Not Stop

When the phone keeps ringing, and the letters keep coming, it can be tempting to ignore everything or to say whatever you think might make a collector go away. Both approaches can create new problems. There are specific steps you can take that protect your rights and put you in a stronger position before you speak with a creditor harassment lawyer in Garland.

Under federal and state law, including the Fair Debt Collection Practices Act and Texas debt collection rules, collectors generally cannot threaten violence, lie about what they can do to you, or call you at certain times after you ask them to stop. Original creditors are often subject to different standards, but there are still limits on unfair or deceptive practices. Knowing the difference between aggressive behavior and illegal conduct can help you decide when to get legal help.

If you are served with a lawsuit in a Justice of the Peace court or a state court that handles cases for people in Garland, ignoring the paperwork can lead to a default judgment. That judgment may allow the creditor to use additional collection tools that would not have been available before. Talking with a creditor harassment attorney in Garland before the response deadline can give you a clearer sense of your options.

Practical steps you can take right now include:

• Keep a written log of creditor and collector contacts, including dates, times, and what was said.
• Save voicemails, letters, and envelopes, since these may show patterns of behavior.
• Avoid admitting that a debt is yours or agreeing to payment terms before you understand the legal impact.
• Do not ignore court papers or official notices, even if you believe the debt is not valid.
• Reach out to our firm to review your situation before you set up a payment plan or sign any agreement.

Taking these steps can put you in a stronger position when we review your situation together. When we understand how creditors are contacting you and what they are saying, we can better assess whether certain laws may apply and whether bankruptcy or another option might provide relief.

How We Use Bankruptcy To Protect You

Bankruptcy is not the right answer for everyone, but for many people it becomes a powerful tool to stop creditor pressure and create space to rebuild. One of the most important protections in a bankruptcy case is called the automatic stay. In general, once a bankruptcy is properly filed, many collection actions must pause while the court reviews your case.

This automatic stay usually affects several types of collection activity, including calls, many letters that demand payment, and some ongoing lawsuits. It can also pause foreclosure or repossession efforts in many situations. There are exceptions and limits, so it is important to understand that not every type of debt or action is affected in the same way. When we evaluate your case, we explain how these rules apply to your specific debts.

For individuals, many consumer bankruptcy cases are filed under Chapter 7 or Chapter 13. Chapter 7 is often associated with a faster process in which many unsecured debts, such as credit cards or medical bills, may be discharged, subject to legal requirements. Chapter 13 involves a structured repayment plan over several years, which can be useful for people who need time to catch up on secured debts like a mortgage or car loan while gaining some protection from creditor pressure.

At LoBue Law, PLLC, we do not expect you to know which chapter fits you. Instead, we review your income, assets, debts, and recent financial history, then talk through the advantages and tradeoffs of each option. Attorney LoBue’s years of representing banks in bankruptcy matters give our firm insight into how creditors typically approach these cases. We draw on that knowledge when we anticipate potential creditor objections, respond to motions, and structure repayment plans.

Throughout the process, you communicate directly with your creditor harassment attorney in Garland, not just at the beginning. We work to explain each stage in simple terms, so you know what to expect before hearings in the United States Bankruptcy Court for the Northern District of Texas or before important deadlines. Our goal is to help you use the protections available under the law as effectively as possible, without promising specific outcomes that depend on facts we cannot control.

Serving Clients Facing Creditors In Garland

Although our office is based in Plano, we regularly work with people in Garland who are struggling with creditor contact, lawsuits, and overwhelming debt. Many of our clients receive collection papers filed in local courts that handle cases for residents of Garland, and their bankruptcy cases are typically filed in the Northern District of Texas, which serves this region.

Texas law offers important protections that can play a major role in your strategy. For example, Texas has strong homestead protections in many situations, and state law generally places limits on wage garnishment for consumer debts. How these rules apply to you depends on your specific facts, including the type of debt and how the property is titled. We walk through these issues so that you understand what is realistically at risk and what may be better protected.

When someone from Garland contacts our firm, the first conversation usually focuses on understanding your immediate concerns. We ask about who is contacting you, what kinds of debts are involved, and whether any lawsuits, foreclosure notices, or repossession threats have already been made. We may also talk about your income, expenses, and major assets so we can start to see which tools might help.

After that initial discussion, we outline a plan for gathering documents such as bills, collection letters, and any court filings. We then schedule a follow-up to walk through your options in detail. Many clients appreciate that they can speak directly with attorney LoBue by phone or meet in person, rather than dealing only with staff. Our aim is to make the process understandable and manageable, even when your situation feels complicated or urgent.

Frequently Asked Questions

Can you really stop my creditor calls?

In many cases, filing a bankruptcy case triggers an automatic stay that requires most creditors to adjust or pause collection calls and letters. Some types of debts are treated differently, and a few calls may still occur until the records update. We review your situation and explain what you can realistically expect.

How much does it cost to hire your firm?

We discuss fees clearly at the start so you know what to expect. Our firm offers flexible payment arrangements, and many clients can begin proceedings with as little as $100 down. The total cost depends on the type of case and work required, which we review with you in detail.

Will I work directly with Vincent LoBue?

Yes. When you hire our firm, you work directly with attorney Vincent LoBue on your case. We do have staff to assist with administrative tasks, but legal decisions and strategy discussions take place with your attorney. Many clients find this direct access reassuring when creditor pressure feels intense.

Does bankruptcy erase all of my debts?

Bankruptcy can discharge many unsecured debts, such as credit cards and certain medical bills, if legal requirements are met. Some debts, including certain taxes, student loans, and support obligations, are treated differently. During your consultation, we review your specific debts and explain which might be dischargeable and which are not.

What should I bring to our first meeting?

It helps to bring recent bills, collection letters, any court papers, and a general list of your debts and assets. If you do not have everything, we can still talk. We use the first meeting to understand your situation and outline which documents will be most helpful next.

Talk With Us About Creditor Harassment

If creditor pressure is taking over your days and keeping you up at night, you do not have to face it alone. A conversation with our firm can help you understand which collection actions creditors can really take, what protections the law may offer, and how a creditor harassment attorney in Garland can help you plan a path forward.

When you contact LoBue Law, PLLC, you speak directly with an attorney who has spent more than 25 years working on bankruptcy and debt matters, including time representing banks. We offer flexible payment options, strive to respond within one hour during business hours, and focus on building a plan that fits your life in Garland. You deserve clear information, respectful treatment, and a strategy that aims to reduce stress, not add to it.

To talk with our creditor harassment lawyer in Garland about your creditor situation, contact us online or call (972) 694-6400.