You need to upgrade your Flash Player!

You should not be seeing this. Please follow the link below to install the Flash Player. It is a fast and safe install.

Click Here to install the Flash Player now.

The Credit Repair Attorneys of Smith & Garg will fix your credit right!

Our firm can remove items off your credit report such as:

Late Payments
Bankruptcies
Charge Offs
Paid Collections
Foreclosures
Incorrect Information
Inquiries

Credit Card and Creditor Lawsuit Defense Attorneys

Texas Consumer Defense Attorneys

Credit Card Defense

What if I cannot settle because I have no money?

Texas was founded by debtors and remains a state with very liberal laws in favor of debtors. In Texas, your homestead cannot be taken from you to satisfy a judgment. A creditor cannot take your wages or qualified retirement account or government entitlement. Your cars are generally exempt from taking by a judgment creditor. If you have no non-exempt assets, a judgment is not likely to affect your standard of living. Granted, a judgment will be reported on your credit report and may provide barriers to buying and selling real estate, but in general, most people with judgments and no non-exempt property still are able to lead normal lives. Please note that, you will normally be able to approach the judgment creditor to try to work something out if your financial position changes.

If you have been sued by a creditor or if you want to settle an account in an effort to avoid suit, let the consumer attorneys at Smith & Garg help.

Contact the Credit Repair Attorneys at Smith & Garg today to get started!

	You need to upgrade your Flash Player! You should not be seeing this. Please follow the link below to install the Flash Player. It is a fast and safe install. Click Here to install the Flash Player now.
The Credit Repair Attorneys of Smith & Garg will fix your credit right!
Home Attorneys Our Locations Credit Repair Method Reading Credit Reports Common Questions Articles Credit Card Defense Resources Contact Us Our firm can remove items off your credit report such as: Late Payments Bankruptcies Charge Offs Paid Collections Foreclosures Incorrect Information Inquiries	Credit Card and Creditor Lawsuit Defense Attorneys Texas Consumer Defense Attorneys Credit Card Defense What if I cannot settle because I have no money? Texas was founded by debtors and remains a state with very liberal laws in favor of debtors. In Texas, your homestead cannot be taken from you to satisfy a judgment. A creditor cannot take your wages or qualified retirement account or government entitlement. Your cars are generally exempt from taking by a judgment creditor. If you have no non-exempt assets, a judgment is not likely to affect your standard of living. Granted, a judgment will be reported on your credit report and may provide barriers to buying and selling real estate, but in general, most people with judgments and no non-exempt property still are able to lead normal lives. Please note that, you will normally be able to approach the judgment creditor to try to work something out if your financial position changes. If you have been sued by a creditor or if you want to settle an account in an effort to avoid suit, let the consumer attorneys at Smith & Garg help. *Contact the Credit Repair Attorneys at Smith & Garg today to get started!*
Smith & Garg LLC • 1095 Evergreen Circle, Suite 300 • The Woodlands, Texas • 77380 • Fax: 281-362-9757 Please call 281-210-0010 Contact Us Now Home \| Attorneys \| Credit Repair Method \| Reading Credit Reports \| Common Questions \| Articles \| Resources \| Links \| Contact Us \| Sitemap