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.

These unscrupulous businesses ran advertising that led borrowers to believe they were part of a government loan modification program. Some of these companies even went so far as to create fake Treasury Department websites to grab unsuspecting victims.

Set aside the fact for the moment that it is hard to understand how these people can prey on families who are about to lose their homes. The bottom line here is that, despite advertising to the contrary, there are no “magical” solutions to save your home. You do, however, have many rights under the law.

If you are in trouble with your mortgage and afraid of losing your home, please contact Keeling Law for a free consultation.  Keeling Law has been helping Houston area residents with debt relief and bankruptcy protection for over 20 years.

The Federal Bankruptcy laws are there to help you in a time of financial distress.  Call Keeling Law Firm at 713-579-3030, or fill out the simple form to the right and click submit.

As a homeowner, you have many rights that can help protect you but you must act promptly. Please don’t ignore any notifications.

Don’t wait and lose your home. For a free consultation and evaluation, call Keeling Law Firm at 713-579-3030, or fill out the simple form to the right and click send.

We are here to help.

A recently released Federal Trade Commission report details the dramatic increase in “mortgage rescue” scams.

According to an article from CNN – “the sudden leap in consumer complaints is in part attributable to hundreds of “rescue” companies that launched last year after the Obama administration created a government-subsidized loan modification program.

Logistical problems have plagued the administration’s Home Affordable Modification Program, which has produced only 116,000 permanent mortgage modifications. In turn, many homeowners have turned to fly-by-night companies for help, analysts say.

“Fundamentally they’re a product of a broken system,” said Ira Rheingold, executive director of the National Association of Consumer Advocates. “As long as people are desperate to save their homes, and don’t have a good alternative, these guys are going to find a way to cheat them.”

Although some businesses offer legitimate loan modification services, the FTC has proposed a new rule that would prohibit companies from charging consumers up-front fees, a move that will probably “drive a lot of these scammers out of this business,” Vladeck said. The agency, which can bring civil but not criminal court cases, has identified about 500 companies that currently charge advance fees.

Through its “Operation Loan Lies,” the agency has sued about 30 companies accused of operating bogus loan modification or foreclosure rescue businesses.

Ultimately, Vladeck hopes these cases will encourage the Justice Department to pursue criminal charges against mortgage schemers.”

Keeling Law has helped thousands of  Houstonians since 1985 with their debt problems. We are qualified legal professionals who know the law and how to make it work for you. There are no shortcuts or “miracle cures” for your financial problems. However, there are many legal remedies that can often save your home and resolve your debts so you can get a “financial fresh-start.”  Give us a call for a free consultation.

Victims of the scammers pay hundreds or even thousands of dollars upfront for the assistance they desperately need but ultimately never receive. The scammers promise the moon but deliver little or nothing. They will claim they can fix your financial problems and “avoid bankruptcy”. The Federal bankruptcy laws are there to help you. Depending upon your exact circumstances, avoiding bankruptcy may be the worst decision you could make.

At Keeling Law Firm, we talk to victims of these scams on a daily basis.

Please be aware that there are no financial “miracle cures” that will stop foreclosure. The law is very specific about what a homeowner can do to stay in his or her home.

Please, before you give away your money to some scam artist, contact Keeling Law Firm for a free consultation. We will analyze your situation and give you correct legal advice on what you should do.

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Ken Keeling is Board Certified, Consumer Houston Bankruptcy Lawyer, Texas Board of Legal Specialization. Keeling Law Firm is a debt relief firm. We help clients file for bankruptcy under the United States Bankruptcy Code.

Attorney Ken Keeling is Board Certified in Consumer Bankruptcy Law by the Texas Board of Legal Specialization.

The services we provide include helping clients stop foreclosure of homes, stop vehicle repossession, stop IRS wage garnishments, erase or reduce credit card debt and payday loans, and with many other debt-related problems. We represent clients in 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.

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 with their debt problems as allowed by Texas and Federal law.

The first step: Call us at 713-579-3030 for a no-charge meeting to review your financial situation. You can also reach us by filling out our online form to the right.