Free Consultation 
Stop creditors and collections actions immediately
We have successfully eliminated the interest and reduced principal for more than 95 percent of its client. This allows you to break free from your financial distress and move forward with a fresh start.
Imagine — could anything be better than getting out from under the heavy burden of debt? Texas Debt Defense has completely eliminated the interest and reduced principal for more than 95 percent of its clients and often eliminated the entire debt — without bankruptcy and without the high monthly cost of a debt consolidation agreement.
Bankruptcy can destroy your credit opportunities for up 10 years. If you have filed in the past seven years, you may not be able to file again. Debt consolidation can only reduce your overall credit card burden, but your monthly payments for the next three to five years may not be any lower than what you are paying right now.
There is a better way. Under the direction of attorney Finis Cowan, our law firm offers a proven record of results. We can fight for you without filing bankruptcy and without debt consolidation. Wherever you are in Texas, call toll-free 832-501-0966 for help.
Our Houston debt defense attorney Finis Cowan protects our clients’ interests in a wide range of situations, including those that involve:
In addition to our comprehensive debt relief services, we also assist clients with complex legal matters related to eminent domain and other legal issues.
At Texas Debt Defense, we are here to help — not judge. We know that divorce, accident, illness, job layoff, or another life challenge may have made you unable to pay your bills. At our firm, you will always be treated with respect and compassion. Our representative cases and testimonials from satisfied clients highlight the dedication and client-centered representation that we provide to every one of our clients.
Are you sick of harassing collection calls? Are you sick of the uphill battle with credit card debts? Tired of laying awake at night worrying about what the next day will bring. Get relief now. Don’t wait. We defend clients against creditor lawsuits and harassing practices by scavenger debt collectors. You can finally get out from underneath this burden. Our extensive experience and proven strategies have rescued thousands of people throughout Texas and helped them regain their financial freedom.
From offices in Houston, Austin, and Dallas, Texas Debt Defense provides debt defense services for individuals, families, and business owners in communities throughout Texas. or contact our office by email to arrange a free initial consultation with Houston attorney Finis Cowan today.
CASE RESULTS
Discover vs Client
Capital One vs Client
Bank of America vs Client
REVIEWS
"I cant say enough how professional Finis is and how happy we were with the outcome. He was always upfront and explained everything to us so we would understand. Highly recommend!"
"Mr. Cowan gave me hope after a very crushing judgment, with another lawyer. He is very resourceful. I am very grateful and recommend that you give him a try!"
"I strongly recommend Finis Cowan. After a very difficult divorce, I was left with a tax problem that I did not know how to handle. My first meeting with him was in the morning and by that same afternoon he had already begun working on my case. Finis personally handled everything for me, he responded to my phone calls and emails immediately, and is an expert on tax law. He is both a great man and a great attorney. The results of my case exceeded my expectations!"
"Finis is helpful and straight to the point. My mind was spinning regarding my issue, but was easily placed at ease with his response. Thx sooo much. I know he provided the advice at no charge, but I do plan to reach out and provide him a token of my appreciation."
“Attorney Cowan helped me with a couple of tax issues that I had going on from previous years. Every question I had, he was willing to help me and guide me through the process.”
“Finis E. Cowan III took on my IRS Tax Dispute when others recommended I conceed. Mr. Cowan listened to me and remained patient, assuring me repeatly through the COVID shutdown we would recieved resolution. True to his word, my IRS dispute has been settled..Thank you Finis E. Cowan III”
Contact A Houston Debt Relief Lawyer
When you work with Texas Debt Defense, we take care of all Texas debt settlement procedures and processes. We negotiate on your behalf, protect you from creditors, and work tirelessly to maximize the debt relief you receive.
We know you have a lot of questions about different types of debt, your debt resolution options, and your rights as a consumer. Explore the videos in our video library to find answers to our clients’ most common questions.
Credit card lawsuit defense lawyers defend people who have been sued by their credit card companies and debt buyers in Texas. Texas Debt Defense serves average, everyday people in Houston, Dallas-Fort Worth, Austin and all the surrounding areas. We have a proven record of success in defeating credit card lawsuits and helping our clients get out from under crippling debt.
If you have a low credit score because of a debt problem, talk to us about ways we can help you get out of debt without filing bankruptcy or paying into a debt consolidation plan. We will work aggressively with your creditors to lower your interest rates, remove penalties and even reduce the actual amount of money you owe — without necessarily having your credit rating take a hit. Yes, we can repair your credit and reduce your monthly payments.
