- Page 8 of 23 - Texas Consumer Credit Attorney

Q: I signed a Merchant Agreement with a confession of judgment clause. What does that mean?

A confession of judgment (COJ) clause may allow the lender to obtain a judgment against you in another state without a full legal proceeding. We can analyze the COJ and explore options to challenge its validity or enforcement in Texas and other states..

Q: What if an MCA collector is constantly calling and threatening my business?

You have the right to tell them to stop. Our firm can send a cease and desist letter on your behalf to stop the harassment and ensure all communication goes through us.

Q: What is a Merchant Cash Advance (MCA)?

An MCA is a funding option for businesses where a lender provides an upfront sum in exchange for a portion of the business's future sales. While not technically a loan, they often function like high-interest, short-term financing.

Q: What are the potential benefits of hiring a lawyer for utility debt collection issues?

A lawyer can provide expert advice on your rights , help you navigate the collection process , and potentially represent you if your rights have been violated or if you are facing a lawsuit.

Q: Can the J. Gannon Helstowski Law Firm help me even if I've already been contacted by a utility debt collector?

Yes, we can assist you at any stage of the debt collection process.

Q: Can I be sued for unpaid utility bills in Texas?

Yes, utility providers or their debt collectors can file a lawsuit to recover unpaid debts. It's important to respond to any lawsuit promptly.

Q: What is the Fair Debt Collection Practices Act (FDCPA)?

The FDCPA is a federal law that protects consumers from abusive and deceptive debt collection practices nationwide, including those related to utility debt.