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Home/Attorneys/Ernest "Big Ern" Garcia Attorney at Law
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- Attorneys in Laredo, | CGMIMM

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1520 Davis Avenue, Laredo, TX, 78040

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+1 9564627646
1520 Davis Avenue
Laredo, TX 78040
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Wage Garnishment Defense in Texas
Texas wage garnishment is capped at federal limits (25% of disposable income or 30× minimum wage) — and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.
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Debt-Collection Defense in Texas
Texas consumers facing debt-collection lawsuits have powerful defenses — federal FDCPA, state consumer protection laws, statutes of limitations, and proof requirements that collectors often can't meet.
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Student-Loan Discharge in Bankruptcy in Texas
Texas student loans CAN be discharged in bankruptcy under the "undue hardship" Brunner test, plus DOJ's 2022 guidance has made it dramatically easier. Other federal options — IDR, PSLF, forgiveness — also relevant.

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