Get Debt Collectors, Credit Bureaus and Bad Car Dealers Off Your Back in El Paso
Debt settlement negotiation, FDCPA collector harassment claims, credit report disputes, lemon law and warranty claims, and Chapter 7 bankruptcy for El Paso families. Flat fees quoted up front and almost everything handled without you setting foot in a courtroom.
Last reviewed by Robert Andrew Navar, Esq. · State Bar of Texas
Consumer and debt problems rarely arrive one at a time. A medical bill goes to collections, the collector calls your job, a mistake lands on your credit report, and suddenly the car you financed will not stay out of the shop. Federal and Texas law give El Paso residents real leverage in each of these situations. The Fair Debt Collection Practices Act (15 U.S.C. § 1692) and the Texas Debt Collection Act (Texas Finance Code Chapter 392) limit what collectors can say and do. The Fair Credit Reporting Act (15 U.S.C. § 1681) requires the credit bureaus to investigate and correct errors. The Texas Lemon Law (Texas Occupations Code Chapter 2301) and the Magnuson-Moss Warranty Act protect buyers of defective vehicles and products. And when the numbers simply do not work, Chapter 7 of the Bankruptcy Code (11 U.S.C.) offers a fresh start, with Texas exemptions under Property Code Chapters 41 and 42 that protect your home, car and household goods.
At Navar Law, attorney Robert Navar handles these matters the way everyday El Paso families need them handled: flat fees quoted before you commit, letters and filings drafted in plain English, and updates in English or Spanish. Debt settlement, collector harassment claims, credit report disputes and lemon law claims are resolved entirely through demand letters, negotiations and agency filings, so you never appear in court. Chapter 7 bankruptcy is filed in the U.S. Bankruptcy Court for the Western District of Texas, El Paso Division, and requires one short meeting of creditors with the trustee, which is not a courtroom hearing and is usually held by phone or video with the attorney beside you. If you are being sued on a debt, remember that Texas gives creditors only four years to file under Civil Practice and Remedies Code § 16.004, and we check that first.
Services in this practice area
Debt Settlement Negotiation
We negotiate directly with credit card companies, medical providers, debt buyers and collection agencies to settle what you owe for a reduced lump sum or affordable plan, with every agreement documented in writing.
Learn moreNo court appearanceDebt Collector Harassment (FDCPA)
Collectors who call your job, threaten arrest, lie about what you owe or contact you after you tell them to stop are breaking federal and Texas law. We send the cease letter, document the violations and pursue statutory damages, all without you going to court.
Learn moreNo court appearanceCredit Report Disputes
Attorney-drafted disputes to Equifax, Experian, TransUnion and the creditors reporting to them, with the documentation that forces a real investigation and sets up an FCRA damages claim if they refuse to fix it.
Learn moreNo court appearanceLemon Law & Warranty Claims
If your new or warranted vehicle keeps going back to the shop for the same defect, Texas law can force the manufacturer to buy it back, replace it or pay you. We handle the notice, the TxDMV complaint and the negotiation so you never see a courtroom.
Learn moreOne short hearing, we handle itChapter 7 Bankruptcy
A flat-fee Chapter 7 filing in the U.S. Bankruptcy Court, El Paso Division, that stops collection immediately and discharges credit cards, medical bills and most unsecured debt in about four months. Texas exemptions let most filers keep everything they own.
Learn moreNot sure where your case fits?
Call or send us a message. A 5-minute conversation is all it takes to get a flat-fee quote.
Common questions
Can a debt collector sue me in El Paso for an old debt?
In Texas, most consumer debts have a four-year statute of limitations under Civil Practice and Remedies Code § 16.004, measured from the last payment or default. Texas Finance Code § 392.307 also bars collectors from suing or threatening to sue on a time-barred debt, and making a payment on an old debt does not restart the clock. If a collector is chasing a debt older than four years, you may have a defense and possibly a claim against them.
Do I have to go to court for a debt or consumer case in El Paso?
For debt settlement, collector harassment claims, credit report disputes and lemon law claims, no. Those are handled through demand letters, negotiation and agency processes such as the Texas Department of Motor Vehicles lemon law complaint. Chapter 7 bankruptcy requires one meeting of creditors with the trustee under 11 U.S.C. § 341, usually by phone or Zoom, which takes about ten minutes and is not a courtroom hearing. Your attorney attends with you.
How much does a consumer or debt lawyer cost in El Paso?
Most services in this group are flat fee, quoted before you sign anything. Collector harassment and lemon law claims often carry fee-shifting provisions, meaning the collector or manufacturer may be ordered to pay your attorney fees, so we may take those on contingency. Chapter 7 is a flat fee plus the court filing fee set by the U.S. Bankruptcy Court. Call (915) 526-0787 and we will quote your matter in the same call whenever possible.
Have a legal matter to discuss?
Call the office or send a message. Free case review, no obligation.