I was being harassed by NCO ( Collegiate Trust) and owed about $59,000. I originally borrowed $30,000 and just like anyone did not know how the light at the end of the tunnel would turn out. I did not understand what was going on when NCO called and threaten to garnish my wages as well as demanding m...y bank account number. Instead of getting a lawyer then, I ended up paying $500 for the first month, which I could not keep affording. When my wife found out, she gave me some powerful advice. She told me to get lawyers and change your bank account number. I did that exactly and then calls came back, but this time I distant answer. They left messages telling me they would garnish and then they wanted my co-signer, who is my sister info so they can threaten her. My wife found Heston Ciment and said these guys when more than 90% of cases like yours. When I met with Daniel Ciment, he informed me that only through courts they can garnish you and when they sue, let us know and we will handle it. I can say they handle it and took the pressure off of me. If they were not on my side, NCO would be in me and my sister pockets. Now understand this, even though I owed 59,000, the interest rate on top was so high, that by time I paid them off, it would of been around $109,000, almost twice. They also knocked out another creditor as well for me in the process. Let me say this, these creditors are not nice in working with you ( private lender) as would a federal lender. Creditors use the direct marketing technique, put you in fear and get your information in order to break you into what they want. Do not break and contact Daniel Ciment. Remember if your loan or credit card company is almost or after 4 year limit in Texas, do not pay a penny because if you do, the creditors can restart the repayment period again and win in court if not paid by certain time period. Do not try to fight these guys yourself and do not disregard them when they serve you with court papers. If you have co-signers, keep them in the loop because in many cases, the co-signer suffers and you don't want ruin relationships. I'm tell you that they have changed my outlook on how to deal with creditors who are at your throats. Please if you are in this situation, get an lawyer to help you. Again thank you Daniel Ciment and your team for the hard work and dedication.

Even though my initial case was not won in court the exemplary manner in which my case was handled was A -Superior! The company that was trying to sue us was told we were a hardship case ... My husband who was the primary wage earner for years with an excellent job suffered a heart attack and two he...art surgeries and ended up having to file for total disability with social security disability .I myself, have been off work on FMLA medical leave due to some major medical issues .My income was reduced to 60 percent being out on medical leave for 6-7 months - barely able to pay the rent each month . Despite all this the company suing ...pressed forward -not sure why ....as we are a hardship case -a REAL hardship case for sure ! Mr Ciment and his legal staff have been the BEST with handling our case despite all our difficulties over the past 3-4 years . We are retaining him for our appeal and feel confident that we will win based on our case. Kudos to the entire staff at this firm - and ESP Ms Tosha Steadman the para- legal you ROCK!