Whether or not you owe money, you have rights. I fight collection harassment in state and federal courts. You pay no attorney fees unless you settle or win.
I work with your bankruptcy lawyer when problems arise during or after you get your discharge from debt.
You deserve an accurate credit report — this includes the background checks used by landlords and employers.
Navigating your student loan options can be daunting. My approach is strategic, focused on your options including the possibility of a discharge in bankruptcy under the new federal guidelines.
In 2024, Amy Beth Clark joined The Debt Defenders by Ciment Law Firm, PLLC . She is excited to have a large team of like-minded people to work with in pursuit of justice and resolutions.
Amy Beth never intended to go to law school. But like many normal people, trying to live a decent life, she kept running into obstacles. From the ridiculous landlord to the credit reporting errors to the car that broke down every other week — it seemed her Daddy was right when he lectured her, “Life’s not fair!” This is the same man who used to tell Amy “You would argue with a telephone pole!” so perhaps it was inevitable that she would discover there were laws that may not be perfect, but they did set rules for fairness no matter if you were a bank or a student, a credit reporting agency or a car buyer, a building owner or a tenant. Amy Beth went quickly and decisively from helping neighbors in her apartment complex to USC law school, taking her end of first year exams on her 30th birthday and opening her first solo law firm in 2006. Since then, Amy Beth has been on a mission to bring first class representation to people with problems she could relate to — mostly regarding money and fairness. Yeah, she still knows that life is not fair, but she uses the laws we have to try and make it a little more so.
Amy’s law firm in 2006 focused on consumer bankruptcy but she soon started bringing her clients to court, helping them fight back against abusive debt collectors. The combination of offering a chance of debt discharge along with the ability to fight for her client’s rights allowed Amy Beth to offer a full set of options for her clients.
Student loans were a burden on so many, so Amy Beth began providing assistance. Finally in 2024, bankruptcy can provide a discharge of federal student loans for many people who have struggled with loans for over ten years and still have not made a dent in the principal.
“I had the misfortune of a collection agency denting my credit report with debt that I did not owe. Although the amount was not huge, the implication of collections being reported to the bureau was a nightmare. I turned to Amy for help and she alleviated my panic and anxiety, prepared a strong case and went after the bad guys! She was always responsive to emails and phone calls and kept me informed of the case as and when something new came up. From my interaction with Amy, she comes off as a very honest and frank person which I felt was very important – She never sugar-coated the reality, told me things as is, sticking to facts and never indulging in falsely raising my hopes up. So, to sum up, I would highly recommend Amy for any credit related issues that you may have.” — Anonymous former client
“Amy is great lawyer to work with. She has great knowledge of dealing with credit card agencies and helped to clear wrong credit history/ incorrect debts on my account. I wasn’t able to resolve this for the past five years but Amy’s assistance greatly changed my case and ultimately resolved it. I can now think of getting car loan/mortgage etc.” — Rahul, former client
“My initial meeting with Amy Clark left me feeling that I had met with a caring, informed and dedicated attorney. She graciously gave me a huge amount of valuable information much of which left me feeling some relief and a clearer perspective on debt collections/collectors. She answered every question and advised me not to second guess myself in thinking ANY question was unimportant. She returned my calls and emails promptly. She kept me updated on situations as soon as she received any news. Amy helped me in keeping a positive and responsible focus where I found I could’ve been very self-judgmental.” — Laura, former client
Amy Beth Clark represents clients all over the great state of Texas!
Ciment Law’s office is physically located in Katy, Texas while Amy Beth Clark works off I-35 between San Antonio and Austin.
If you have a phone, we can assist you. Give us a call.