Lu Ann Trevino’s Answers

Lu Ann Trevino

Houston Debt / Lending Agreements Lawyer.

Contributor Level 18
  1. What happens when i stop paying my credit card payments

    Answered over 5 years ago.

    1. Lu Ann Trevino
    2. Sidney Joseph Diamond
    3. Gabriel Cheong
    3 lawyer answers

    It is true that collectors will call and you the accounts are likely to be sold, and that's what you want to happen. It is also true that you will probably be sued and the amount of the debt is almost irrelevant. I have seen debt buyers file suit for as little as $200.00 in Texas. Don't lose hope, by the time the suit comes you are likely to have strong defenses which can allow you to win. Even if you lose, in Texas nobody gets your house (except the IRS and your mortgage company),...

    1 lawyer agreed with this answer

    53 people marked this answer as helpful

  2. I need a general denial form. Where can I get one?

    Answered over 5 years ago.

    1. Lu Ann Trevino
    1 lawyer answer

    These comments are made for educational purposes only and do not constitute legal advice. No attorney-client relationship exists between us. Look at the original petition, copy the the cause number and heading including the party names and the court. Below that write general denial as a title line. Then put in a paragraph stating you generally denial all claims being made against you. Sign your name with address and phone number. Send the document to the clerk of the court by first class...

    22 people marked this answer as helpful

  3. Texas debt collection laws, can a judgment creditor garnish a debtor's wages

    Answered almost 6 years ago.

    1. Lu Ann Trevino
    1 lawyer answer

    Your husband's bank account and personal property are safe. Even though Texas is a community property state, spouses can still separate property and separate debt.

    1 lawyer agreed with this answer

    17 people marked this answer as helpful

  4. Doesn't the mini miranda have to be the full statement; not just the one sentence?

    Answered 3 months ago.

    1. Lu Ann Trevino
    2. Daniel Lee O'Neil
    3. Carl H Starrett II
    3 lawyer answers

    You are correct about the full statement in the initial letter, but it is not required in subsequent letters. You probably got a previous letter which did contain the full statement.

    9 lawyers agreed with this answer

  5. Can a debt collector put a lein on my bank account

    Answered over 2 years ago.

    1. Lu Ann Trevino
    2. Gary Alan Armstrong
    3. Tom Arany
    4. Dorothy G Bunce
    5. John Addison Vos
    5 lawyer answers

    These comments are made for educational purposes only and do not constitute legal advice. No attorney-client relationship exists between us. A creditor must sue you, personally serve the suit papers to you, wait for you to answer, and win at trial before it can get an award giving it the right to record a judgment. Keep in mind that Texas is an extremely debtor friendly state. Nobody gets your house except the lender and the IRS. Nobody gets your car except the lender and the IRS....

    9 lawyers agreed with this answer

  6. Do I need to pay debt?

    Answered 11 months ago.

    1. Lu Ann Trevino
    2. Mark Allen Land
    3. Michael Glynn Busby Jr.
    4. Robert J Adams Jr.
    4 lawyer answers

    The statute of limitations for the collection of debt in Texas is 4 years beginning the day after your first missed payment. You may have claims for violation of the Fair Debt Collection Practices Act and the Telephone Consumer Protection Act. Each violation of the Acts is worth $500 to $1,000 to you, any actual damages, and mental anguish, plus attorney fees.

    Selected as best answer

  7. How do I get several abstract judgements removed from court records? None of the judgements are mine.

    Answered 29 days ago.

    1. Lu Ann Trevino
    2. Daniel Ray Gamez
    3. Mario L. Vasquez
    4. Mark Hankins
    5. Michael Glynn Busby Jr.
    5 lawyer answers

    The "same name" affidavit would be your sworn statement that none of the judgments are yours. Attach certified copies of the abstracts to the affidavit. Do not try writing the affidavit yourself because there are specific format requirements for an affidavit.

    7 lawyers agreed with this answer

    1 person marked this answer as helpful

  8. How many days notice does bank have to give you to auction foreclosed property, Bexar county, Texas?

    Answered about 1 month ago.

    1. Lu Ann Trevino
    2. Brent Allen Devere
    2 lawyer answers

    twenty-one days before the first Tuesday of the following month

    7 lawyers agreed with this answer

  9. Can an unsecured creditor with a judgment attach my Social Security and pension plan payments from my bank account?

    Answered 11 months ago.

    1. Lu Ann Trevino
    2. David J. McCormick
    3. Michael Glynn Busby Jr.
    4. Christine B. Adams
    4 lawyer answers

    Keep in mind that Texas is an extremely debtor friendly state. Nobody gets your house except the lender and the IRS. Nobody gets your car except the lender and the IRS. Nobody gets your wages except the IRS and child support. Nobody gets your pension/retirement/401k/IRA except the IRS. Most people don't have any thing more than that, so there is nothing to get to satisfy a judgment. HOWEVER, a judgment is good for 10 years and can be renewed. Also, the judgment is accruing interest and...

    7 lawyers agreed with this answer

  10. Can a credit card creditor put a lien on my vehicle if I refuse to pay the credit card balance

    Answered almost 6 years ago.

    1. Lu Ann Trevino
    2. William Robert Falcone
    2 lawyer answers

    I am licensed in Texas. No one can get a lien against your personal vehicle except the company that financed the car and the IRS. Also, the statute of limitations is passed. Consider a counterclaim if you are sued. Settlement is probably not in your best interest.

    1 lawyer agreed with this answer

    12 people marked this answer as helpful

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