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Home/Attorneys/Maria Elena Morales Attorney
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Maria Elena Morales Attorney

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1514 Victoria Street, Laredo, TX, 78040

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+1 9567235031
1514 Victoria Street
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 30ร— minimum wage) โ€” and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.
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Texas consumers facing debt-collection lawsuits have powerful defenses โ€” 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 โ€” IDR, PSLF, forgiveness โ€” also relevant.

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