FAQs

Free Consultation FAQs

What happens during a free consultation with a consumer attorney or legal assistant?2024-11-23T16:59:45-06:00

A free legal consultation allows us to evaluate your situation, identify potential legal issues, and provide an overview of available solutions. While we’re happy to discuss these options with you, only an attorney can provide specific guidance for your case. Please note that depending on your circumstances, attorney fees may apply for detailed legal advice and recommendations regarding your optimal course of action

How long does a free consultation typically last?2024-11-23T16:58:12-06:00

Free consultations generally last 20 to 30 minutes, though the duration may be adjusted according to the case’s complexity and associated legal considerations.

Do I need to bring any documents to a free consultation?2024-11-23T17:05:18-06:00

Please upload relevant documents such as contracts, leases, copies of lawsuits, correspondence, and / or credit reports on the consultation request or when scheduling a phone consultation.

You can also upload documents securely to   Secure Uploads

Will I receive legal advice during a free consultation?2024-11-23T17:08:25-06:00

We will provide preliminary advice relating to your circumstances but we will primarily focus on evaluating your case.

Legal advice must come from an attorney. Depending upon the complexity of your situation, our attorneys may charge a reasonable fee to understand your complete case and give detailed legal advice.

What types of consumer issues can I discuss during a consultation?2024-11-23T17:19:24-06:00

Our legal team offers complimentary 20 to 30-minute consultations focusing on the matters listed below. As a full-service law firm, we consider cases across various practice areas. However, for matters outside these listed categories, a paid consultation may be necessary to thoroughly assess your situation and provide comprehensive legal advice.

Is the free consultation really free, or are there hidden charges?2024-11-23T17:57:27-06:00

We offer complimentary initial consultations with no obligation to proceed, unless otherwise specified. For complex cases or legal matters beyond our standard practice areas listed on our website, we may recommend scheduling a comprehensive paid consultation with one of our attorneys. The costs of the second consultation with be clearly disclosed before scheduling the consultation.

Will I be required to hire the attorney after the free consultation?2024-11-23T17:58:59-06:00

No. Our free consultation is without obligation to purchase future legal services.

What happens if my case requires further legal action?2024-11-23T18:05:53-06:00

Based on the discussion you and our attorney have we will outline  recommended next steps:

Initial Retainer and Fee Structure:

  • We will go over our fee structure which can be flat fee with a monthly fee while litigation is ongoing, hourly fees, or contingency fees based amount collected or a combination of any payment structure.

Immediate Next Steps:

  1. Review and sign our engagement letter outlining the scope of our services
  2. Submit the initial retainer payment or initial filing fee payment.
  3. Provide key documents
  4. Schedule a follow-up meeting to develop our detailed strategy

Estimated Timeline and Costs:

  • We will provide an estimated timeline for your case and any additional costs.

Payment Options:

  • We accept major credit cards, checks, and electronic transfers
  • Payment plans may be available depending on your circumstances
  • We can discuss alternative fee arrangements if needed
Am I eligible for a free consultation if I’ve already spoken to another attorney?2024-11-23T18:23:44-06:00

Yes. We understand you may wish to consult multiple law firms to find the best fit for your legal needs. To provide you with optimal service and avoid any potential conflicts, we kindly request that you inform us of any prior consultations you’ve had with other firms regarding this matter.

Do free consultations cover all aspects of my legal issue?2024-11-23T18:28:27-06:00

For issues outlined on our website, our initial consultation is designed to provide comprehensive guidance, enabling most clients to make an informed decision about retaining our services. However, complex legal matters may require additional analysis beyond the scope of our complimentary consultation. During our discussion, we will clearly outline how we can assist you and provide transparency regarding any anticipated legal fees or additional consultations that may be necessary.

Will the information I share during the consultation be confidential?2024-11-23T18:09:33-06:00

Yes. All information shared during your initial consultation is safeguarded by attorney-client privilege. This protection remains in effect whether or not you choose to retain our firm. The privilege is designed to foster open communication between prospective clients and attorneys, ensuring complete confidentiality throughout the legal consultation process. To maintain this protection, all discussions must be specifically related to seeking legal advice and must remain confidential between you and our firm.

Can I ask follow-up questions after the free consultation?2024-11-23T18:31:36-06:00

Absolutely. Following your initial consultation, we welcome any additional questions you may have. Basic inquiries will be addressed at no charge. However, if your questions require in-depth legal research or strategic analysis, we may recommend scheduling a paid consultation with an attorney. In such cases, we will clearly communicate all associated fees in advance.

FAQs about J. Gannon Helstowski Law Firm?

What types of consumer law cases do you handle?2024-11-25T09:39:58-06:00
How can your firm help with debt collection harassment?2024-11-25T09:53:40-06:00

Our firm vigorously defends your rights under the Fair Debt Collection Practices Act (FDCPA) by taking decisive action against unlawful collection practices. We assist clients experiencing:

  • Harassment through repeated or threatening phone calls
  • Collection attempts outside permitted hours (before 8 AM or after 9 PM)
  • Communications with your employer or family members about your debt
  • Threats of legal action or criminal charges
  • Use of deceptive or misleading collection tactics
  • Attempts to collect incorrect debt amounts or expired debts

Our services include:

  • Evaluating collection practices for FDCPA violations
  • Demanding immediate cessation of harassing behavior
  • Documenting all instances of improper conduct
  • Pursuing compensation for statutory damages up to $1,000
  • Seeking actual damages for emotional distress and financial losses
  • Recovering attorney fees and legal costs from debt collectors

We understand the stress of dealing with aggressive debt collectors and work diligently to protect your rights while holding collection agencies accountable for their actions. You can Schedule a Free Consultation

Can you assist with credit report errors?2024-11-25T09:59:35-06:00

Yes, we help consumers address and resolve credit report inaccuracies under the Fair Credit Reporting Act (FCRA). Our experienced team works diligently to ensure your credit file accurately reflects your creditworthiness through the following services:

Credit Report Analysis:

  • Comprehensive review of all three major credit bureau reports
  • Identification of potential errors, including duplicate accounts, incorrect payment histories, and fraudulent entries
  • Assessment of outdated information that should be removed
  • Verification of account ownership and payment records

Dispute Resolution Process:

  • Preparation and submission of detailed dispute letters to credit bureaus
  • Direct communication with creditors to verify account information
  • Monitoring of credit bureau response timelines
  • Follow-up investigations for unresolved disputes
  • Appeals of unsuccessful dispute outcomes

Common Issues We Address:

  • Identity theft-related accounts
  • Accounts belonging to others with similar names
  • Incorrect payment status reporting
  • Outdated negative information
  • Mixed credit files
  • Accounts discharged in bankruptcy still showing as active
  • Incorrect personal information
  • Unauthorized hard inquiries

Additional Services:

  • Guidance on improving credit scores
  • Assistance with obtaining free annual credit reports
  • Education on credit monitoring services
  • Support in documenting financial damages from reporting errors
  • Pursuit of compensation for FCRA violations when applicable

Our goal is to help you maintain an accurate credit report that properly reflects your credit history and financial responsibility. Learn more about these issues at FCRA Violations  or you can Schedule a Free Consultation

 

What is your approach to resolving auto fraud cases?2024-11-25T10:52:02-06:00

Our firm specializes in auto repossession cases and related credit reporting matters. Our comprehensive service includes:

Case Assessment and Documentation

  • Thorough review of your repossession case
  • Collection and analysis of all relevant documentation
  • Evaluation of lender compliance with state and federal regulations

Strategic Planning

  • Detailed presentation of available legal options
  • Development of customized resolution strategies
  • Clear explanation of potential outcomes

Implementation

  • Execution of chosen legal strategy
  • Regular updates on case progress
  • Active negotiation with creditors and financial institutions
  • Resolution monitoring and follow-through

To discuss your auto repossession case, schedule your complimentary phone consultation today.

Do you provide free consultations?2024-11-25T10:53:34-06:00

Yes, we offer a free initial consultation to discuss your case and determine how we can help.

How do I know if I have a case?2024-11-25T10:59:27-06:00

During our complimentary initial consultation, we conduct a thorough evaluation of your consumer rights matter to determine whether legal action is the optimal approach or if alternative solutions might better serve your objectives. Our assessment considers these essential factors:

Potential Legal Violations

  • Fair Credit Reporting Act (FCRA) violations
  • Fair Debt Collection Practices Act (FDCPA) infractions
  • Truth in Lending Act (TILA) breaches
  • Unfair or deceptive business practices
  • Contract violations
  • State consumer protection law violations

Evidence Assessment

  • Documentation of communications with creditors or collectors
  • Records of financial transactions
  • Copies of credit reports and dispute responses
  • Relevant correspondence and notifications
  • Timeline of events and interactions

Damages Evaluation

  • Financial losses
  • Credit score impacts
  • Lost opportunities due to credit denials
  • Potential statutory damages

Viability Factors

  • Statute of limitations considerations
  • Strength of available evidence
  • Pattern of misconduct
  • Likelihood of successful resolution
  • Cost-benefit analysis of legal action

Our experienced team will provide honest feedback about your case’s merits and recommend the most appropriate course of action for your situation. We believe in transparent communication about your legal options and potential outcomes.

What areas of Texas do you serve?2024-11-25T11:02:42-06:00

We proudly serve consumers across the entire state of Texas, with a focus on providing accessible and effective legal support.

If you are a consumer outside of Texas, you may be able to find a local attorney at the National Association of Consumer Credit Attorneys (NACCA)

How do you charge for your services?2024-11-25T11:31:19-06:00

Our Fee Structure Options

Flat Fee Services

  • Transparent pricing quoted upfront before commencing work
  • Clear scope of services outlined in our engagement letter
  • Flexible payment plans available for fees exceeding $300
  • No unexpected or hidden charges
  • Payment options include credit cards, electronic transfers, and checks

Flat Fee Litigation Services

  • Initial filing or response fee quoted before beginning representation
  • Predictable monthly fee structure during ongoing litigation
  • Clear breakdown of costs and services provided
  • Upfront payment required for initial court filings
  • Monthly billing cycle with detailed invoices
  • Additional court costs and filing fees explained in advance

Contingency Fee Arrangements

  • No attorney fees unless we successfully resolve your case
  • Percentage-based fee structure clearly defined at engagement
  • Client responsible only for case-related costs and expenses
  • Transparent accounting of all costs incurred
  • Fee percentage may vary based on:
    • Case complexity
    • Stage of resolution
    • Amount of recovery
    • Required resources

Additional Fee Information:

  • All fee arrangements are detailed in written agreements
  • Clear explanation of costs versus attorney fees
  • Regular updates on case expenses and billing
  • Discussion of fee structure during initial consultation
  • Opportunity to review all agreements before proceeding

We are committed to transparency in our billing practices and will thoroughly discuss all fee options during your consultation to determine the most appropriate arrangement for your situation.

When are you open?2024-11-26T10:41:43-06:00

We are open

Monday through Thursday   9am to 6pm

Friday  9am to 1pm

Saturday and Sunday Closed

What sets your firm apart from others?2024-11-25T14:45:02-06:00

Specialized Focus

  • Exclusive dedication to consumer protection law
  • In-depth knowledge of Texas and federal consumer regulations
  • Continuous education on evolving consumer rights legislation
  • Specialized experience in credit reporting, debt collection, and auto repossession cases

Personalized Approach

  • Direct attorney access throughout your case
  • Customized legal strategies tailored to your specific situation
  • Regular case updates and communication
  • Prompt responses to your questions and concerns
  • Clear explanation of complex legal concepts
  • Consideration of your long-term financial and legal goals

Proven Experience

  • Established track record of successful consumer advocacy
  • Experience dealing with major creditors and financial institutions
  • History of favorable settlements and litigation outcomes
  • Respected reputation within the Texas legal community
  • Strong relationships with courts and consumer protection agencies

Client-Centered Philosophy

  • Transparent fee structures and billing practices
  • Flexible scheduling and consultation options
  • Educational approach to empower informed decisions
  • Commitment to cost-effective solutions
  • Focus on practical, results-oriented strategies

Local Expertise

  • Deep understanding of Texas consumer protection laws
  • Knowledge of local court systems and procedures
  • Strong presence in the Texas legal community
  • Familiarity with regional business practices and consumer issues

Our dedication to consumer rights, combined with our focused expertise and personalized service, allows us to effectively advocate for our clients while maintaining the highest standards of professional representation.

How can I contact your firm?2024-11-25T15:40:56-06:00

Direct access to your legal team.

   (214) 506-2500

   (800) 891-6988 – Intake of New Clients

   Schedule a Phone Call

 

   cs@texascreditlaw.com

 

    Help Center

 

   5209 Heritage Ave. Ste 510, Colleyville, TX 76034

 

Get a complimentary personal consultation.

Call us today at (800) 891-6988