Business Details
28 Years
experience
Your Trusted Debt Relief Lawyer in Plano, TX
As a seasoned legal professional with over two decades of experience, Angela R. Owens has dedicated her practice to providing comprehensive debt relief solutions for individuals and families in North Texas. Since establishing her Plano-based firm, we have successfully guided clients through complex financial challenges, including bankruptcy proceedings, debt settlement negotiations, and defense against credit card lawsuits. Our approach combines deep legal expertise with personalized attention, ensuring each client receives tailored strategies that align with their unique circumstances. We prioritize transparent communication, empowering clients with clear explanations of legal processes and their rights.With a focus on consumer protection and debt defense, our team advocates for fair treatment while navigating creditors, collection agencies, and court proceedings. Our commitment to excellence is reflected in our track record of resolving judgments, garnishments, and debt collection abuses, helping clients achieve financial stability. Backed by memberships in the Collin County Bar Association and the State Bar of Texas, we uphold the highest standards of professionalism and ethical practice. Whether clients are exploring alternatives to bankruptcy or require aggressive representation in litigation, our firm provides the expertise and support needed to navigate these challenges confidently.
Services
Bankruptcy
Debt Settlement
Credit Card Lawsuits
Debt Collection Abuse Defense
Judgments and Garnishments
Details
- Year established: 1998
Highlights and features
- We offer over 25 years of legal experience in debt defense and consumer protection law.
- Our practice focuses exclusively on debt relief solutions tailored to individual client needs.
- We provide free 30-minute consultations to evaluate your specific financial situation.
- Our team has successfully resolved hundreds of debt collection abuse cases since 2015.
- We maintain active memberships in the Collin County Bar Association and State Bar of Texas.
Associations and certifications
- Texas State Bar Certification
- U.S. District Court of the Northern District of Texas
What people say
Prompt, knowledgeable and effective
Kept me informed
BEST out there
Handled matter quickly
Truthful guidance
Services
Debt Settlement
We negotiate with creditors to reduce total debt obligations through legally binding settlement agreements. Our attorneys leverage their understanding of Texas consumer laws to secure favorable terms while protecting clients from collection harassment. This service benefits individuals facing overwhelming unsecured debt who wish to avoid bankruptcy proceedings.
Bankruptcy
Our firm provides comprehensive bankruptcy representation including Chapter 7 filings and alternatives assessment. We guide clients through the entire process from initial consultation to court appearances, ensuring compliance with federal bankruptcy codes while protecting client assets within legal exemptions.
Credit Card Lawsuits
We defend clients against credit card companies and collection agencies pursuing legal action. Our services include case evaluation, court representation, and developing defense strategies based on statute of limitations or procedural violations, ensuring clients' rights are protected throughout litigation.
Debt Collection Abuse
Our attorneys address Fair Debt Collection Practices Act violations through formal complaints and legal action against abusive collection practices. We help clients stop harassment, seek damages for violations, and resolve underlying debts through appropriate legal channels while maintaining client confidentiality.
Judgments and Garnishments
We assist clients in modifying or eliminating court-ordered debt collection measures through legal challenges and negotiation. Our services include filing exemptions, negotiating payment plans, and pursuing debt discharge options to protect client income and assets from seizure.
People
Angela R. Owens
Attorney
Licensed Texas attorney with 25+ years of experience in consumer protection law, specializing in debt relief solutions. Admitted to U.S. District Court Northern District of Texas, offering personalized legal strategies for bankruptcy, debt settlement, and collection defense since establishing her Plano practice in 2015.
Questions
What debt relief options exist besides bankruptcy?
We offer debt settlement negotiations, collection defense, and judgment modification strategies as alternatives to bankruptcy proceedings.
How do I know if I qualify for debt settlement?
Qualification depends on debt type, creditor willingness to negotiate, and your financial capacity to make lump sum payments.
Can you stop wage garnishment immediately?
While we cannot stop garnishments instantly, we can file legal challenges and negotiate payment plans to resolve the underlying debt.
What protections exist against debt collector harassment?
The Fair Debt Collection Practices Act prohibits abusive practices. We can help you file complaints and seek damages for violations.
How long does bankruptcy stay on credit reports?
Chapter 7 bankruptcy remains for 10 years, but we provide strategies to rebuild credit during and after the process.
What happens during a free consultation?
We'll review your financial situation, explain available options, and recommend tailored solutions during a 30-minute no-obligation consultation.
