According to a story in the Houston Chronicle, a 57 year old woman in Minnesota was arrested while driving home from her mother’s late at night and taken to jail. No one would tell her why she was arrested and she spent a terrifying night in jail with criminals.

The following morning –after she was fingerprinted– she was told that she had missed a court hearing over an unpaid debt.

How is this possible, you wonder? There has been no debtors prison in the United States since the 19th century. Yet hard-working  people who have fallen on hard times are actually spending time in jail for unpaid debts.

Debt buyers are purchasing unpaid debts from cell phone companies or credit card companies and the like for pennies on the dollar, then sending out debt collection notices.

Sometimes the debt is several years old, the person has moved, the mail never reaches them. Other times, after receiving possibly hundreds of debt collection notices, people tend to ignore them. Lost among those hundreds of papers may be a notice to appear in court. Miss the court date, and an arrest warrant may soon follow.

Don’t let this happen to you. The federal bankruptcy laws are there to help you. Bankruptcy can give you a fresh start, and protection from the harassment of lawsuits due to unpaid debts. Filing for bankruptcy can often get rid of lawsuits associated with unpaid debts and they can never bother you again for those debts.

Keeling Law Firm has been helping Houstonians with debt relief and debt counseling since 1986. We have helped thousands of Houstonian to get a “Fresh Start” and get on with their lives.

If you find yourself overwhelmed with debt and creditor threats call us now for a free consultation, or fill out the simple contact form. We can help.

One of our clients recently received an unsolicited fax promising to raise their credit score by 127 points (why 127?) – plus, the promises included permanently removing bankruptcies, late payments, foreclosure and more from their credit record, and all for only $89. Seems too good to be true, right?

At Keeling Law, as Houston bankruptcy lawyers helping Houstonians with debt relief and bankruptcy for over 25 years, we can say that these sort of solicitations are nonsense. Not only nonsense, but fraudulent nonsense.

If you are having financial difficulties, please be aware that no one can simply erase bad credit for your credit report. Please do not send any money to these unscrupulous companies. We hear so many heartbreaking stories told by victims of the scams, down on their luck people who paid out their last dollar for promised debt relief that never happened.

At Keeling Law, you can setup an appointment for a free consultation to discuss your situation. Our bankruptcy lawyers will advise you whether you simply need debt counseling, a chapter 7 or chapter 13 bankruptcy or another form of debt relief.

Please give us a call or fill out the simple form to the right to set up an appointment.

If you’re one of the many families in Houston struggling with financial problems, you’re not alone. If you or your business is having trouble with credit card debt, mortgage default, foreclosure, repossession, or even bankruptcy, you want answers.

Credit card companies, banks, and even your friends and neighbors might not have the answers that are right for your particular situation. There are a lot of myths and misinformation about debt relief, and the rules keep changing.

Do you feel like you’re drowning in debt? Have you received harassing calls from a collection agency, credit card company, or other creditor? Are you concerned about losing your home to foreclosure, or worried your car will be repossessed?

What if the harassing letters and embarrassing phone calls stopped? What if you could eliminate part of—or even all of your debt? If you’re ready to take the first step toward freedom from your debt, call us at 713-686-2222, or fill out the form to the right. We will meet with you at no cost to answer your questions, review your financial situation, and help you determine the correct approach to solving your debt problems.

We’re here to help. We know your financial situation is unique, and want to work with you to find the solution that’s right for you. Keeling Law Firm has focused on helping Houston families and businesses with their debt problems since 1986.

The services our Houston lawyers most often provide include helping clients:

Stop foreclosure of homes
Stop vehicle repossession
Stop IRS wage garnishments
Erase or reduce credit card debt and payday loans

Keeling Law Firm represents clients with a variety of debt-related problems, including Chapter 13 reorganizations and Chapter 7 bankruptcies. We also represent clients in contesting debt obligations when appropriate. We offer potential clients a no-cost initial review meeting to identify available options.

Attorney Ken Keeling is Board Certified in Consumer Bankruptcy Law by the Texas Board of Legal Specialization. Keeling Law Firm is the “go-to” firm in Houston for people who need solid advice when they have debt problems. Our mission is to help our clients solve debt issues as allowed by Texas and Federal law.