About Robert B. Hinsley
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What to do if a Debt Collector contacts you
FTC-FDCPA- The Fair Debt Collection Practices Act
ATTEND OUR FREE DEBT REDUCTION SEMINAR
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: 713-400-3200

 
 
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"I would like to express my heart felt gratitude for relieving some of the stress around our home. If all I ever did was to use that script it is worth it. I am certainly glad we came to you. I can answer my phone without fear of reprisal from the credit card companies. Amazing what can happen in only two days! Thanks again for your assistance. "
Mrs. G.
Houston, Texas
 
  We have helped hundreds of clients just like Mrs. G.
    We can help you too. Call 713-400-3200 today!

Which solution below works best for you?
$20,000 balance owed on Credit Cards
you pay
$40,000
If paid off diligently by you
you pay
$30,000
Paid through Consumer Credit Counseling Services (and results in Bad Credit)
you pay
$140,000
Minimum payments over 10 years
you pay
O to $5,000
Negotiated by Consumers Defense

Call Consumers Defense If:

 * You are being harrassed by Creditors at home or at work.
*  You are being sued by a Creditor
*  You are drowning in debt

Your  FREE Consultation will show you how we can help you.

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
 
They offer 0% interest rate then ONE LATE payment and your interest rate BALOONS UP TO 29.9%

MBNA Balance when account closed: $20,000
Payments:
$400/month for over 19 months:
7,600
New Balance: $18,257
 
You Can Never Win This Game That They Created
Credit card companies invented "No Annual Fee," cards, then concealed illegal $79.00/month charge in bill for "Credit Protection Fee", a valueless service often not requested by the Cardholder.
 
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 help thru creditor - debtor involvement."

 
Texas was settled by Debtors who passed laws to protect Debtors.
Federal Fair Debt Collection Practices Act governs debt collection and can protect debtor.
 
 
 
 
Copyright © 2006 The Hinsley Law Firm. All Rights Reserved