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  Find out how The Hinsley Law Firm  protects consumers from the deceptive and manipulative practices of the credit cards and creditors  without resorting to Bankruptcy
DISPUTE CREDIT CARD DEBT LEGALLY WITHOUT BANKRUPTCY OR CONSOLIDATION
The Hinsley Law Firm
HOUSTON, TX
Phone: 713-465-3304;
Toll-Free No: 1-866-465-3304
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The Hinsley Law Firm is a firm of lawyers. We are not a:
  • Debt Settlement Company.
  • Debt Consolidation Company.
  • Debt Reduction Service.
  • Debt Relief Agency.
  • Discounter.
  • Credit Repair Organization.
  • Debt or Credit Counseling Company.
  • Bankruptcy Firm.
 
We are none of the above. We are much better than any of the above. We are a Consumer Law Firm that uses state and federal law to protect the credit card consumer.
 
"Have you received your bail out fund yet ? "
 
The Hinsley Law Firm does not, repeat not, encourage people to stop paying their debt. Those who claim the firm gets people to stop paying their debt are grossly misinformed. The consumer debtors who come to the Hinsley Law Firm have either been laid off, or have gone from 2 incomes to 1, or from 2 incomes to none, or have lost a spouse through death or divorce, or have suffered a medical emergency costing thousands in medical expense.
 
Click Here for News Articles on Credit Card Debt
 
Testimonials
 
"It is with respect and gratitude that I write this letter. Your kind and gracious staff make communicating with your office a pleasure. Complement this with your powerful ability, Mr. Hinsley, to convey knowledge of the law in simple, understandable terms -- explaining law in non-lawyer terms -- is a blessing. This is truly life changing! Kindest Regards,"
Sandy - Houston, Texas
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  • The Hinsley Law Firm helped raise $10,000 for the Heights Rotary Golf Tournament.
  • The Hinsley Law Firm staff spent hours on Wednesday, December 17th, distributing large bags of groceries to hundreds of poor families in the Houston Heights.
  • Annually, the Hinsley Law Firm team participates in the Heights Rotary Crawfish Boil Fundraiser, which raises $100,000 a year to give to charities like Big Brothers/Big Sisters and the Boy Scouts of America.
 

(CBS/AP) An Ohio man whose $3,200 credit card debt mushroomed to $10,700 with interest and fees told his story Wednesday to senators, who denounced the industry for confusing billing practices and shifting interest rates.

Executives of three major banks defended their credit card practices as responsible and responsive to consumers' needs in testimony at the hearing of the Senate Homeland Security and Governmental Affairs' investigative subcommittee. Those from Citigroup Inc. and Chase Bank USA said their companies were eliminating some practices — including the one that hit Wesley Wannemacher of Lima, Ohio, with over-limit fees on his Chase card account 47 times although he went over his credit limit only three times.

The interest charges and fees on Wannemacher's account more than tripled his debt despite his having made payments averaging $1,000 a year over six years, noted Sen. Carl Levin, D-Mich., the subcommittee's chairman.

"Unfair? Clearly, I think," Levin said. He said an investigation by the panel found that "sky-high interest charges and fees are not uncommon in the credit card industry. While the Wannemacher account happened to be at Chase, penalty interest rates and fees are also employed by Bank of America, Citigroup and other major credit card issuers."

Wannemacher used a new Chase card in 2001 and 2002 to pay for expenses mostly related to his wedding. He had $3,200 in purchases, interest charges of $4,900, 47 over-limit charges totaling $1,500, late fees of $1,100, for total charges of $10,700 as of February. He paid $6,300, leaving a $4,400 balance — which Chase agreed to waive after he contacted the subcommittee staff

 
Credit Card Companies conceal from cardholder:
Manipulation of Payment Deadlines
Manipulation of Credit Limits
Charging for Unnecessary Services like Credit Protection 
Illegal Interest
Illegal Late Fees
Illegal Over-Limit Fees
Illegal Collection Tactics
Changing the Terms of the Agreement without consulting the Card Member
"The goal is to squeeze out enough revenue and get customers to sit still for the squeeze." Providian Credit Card CEO
 
"Surprise, your credit card rate is now 29.9%" When you ignore the problem the following can happen to you :

MBNA Balance when account closed: $20,000
Payments:
$400/month for over 19 months:
7,600
New Balance: $18,257
 
In Texas, the following options are unnecessary and to be avoided when possible
Arbitration
Bankruptcy
Consolidation
Lawsuits
Home equity loans
Almost 100% of debt solutions on TV or the Internet are creditor consolidation collection agencies.
CCCS (Consumer Credit Counseling Services) and all "consolidation" agencies, are merely collection agencies for the credit card companies.
 
Mission Statement of The Hinsley Law Firm:

"To protect consumers from bankruptcy and to help consumers through debtor-creditor intervention"

 
Texas was settled by Debtors who passed laws to protect Debtors.
Federal Fair Debt Collection Practices Act governs debt collection and can protect debtor.
 
 
 
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