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The Law Offices of Alan Abergel, P.C. (“LOAA”) represents debt management companies, debt settlement providers, and credit counseling organizations in Texas OCCC registration, regulatory compliance, and administrative enforcement matters.
Attorney Alan Abergel is licensed by both the State Bar of Texas and the State Bar of California. LOAA also provides California debt settlement provider registration and compliance services.
Debt Management and Settlement Providers generally engage in two categories of activities:
Consumer credit counseling services
Debt negotiation and settlement services
Under Texas law, a debt management service is a service in which a provider obtains or seeks to obtain a concession from one or more creditors on behalf of a consumer.
A provider is a person or business entity that acts as an intermediary between a consumer and one or more creditors and offers debt management services to consumers located in Texas.
A provider may not offer debt management or settlement services to Texas consumers unless registered with the Texas Office of Consumer Credit Commissioner (OCCC), regardless of where the provider is physically located.
Debt management services are considered to be conducted in Texas if the provider:
Solicits Texas residents
Contracts with Texas consumers
Provides debt negotiation or counseling services to Texas consumers
Registration with the Texas OCCC is required for individuals, partnerships, corporations, LLCs, associations, and other organizations offering debt management services.
LOAA provides legal services to Texas debt management and settlement providers, including:
Assistance with Texas OCCC registration and renewals
Legal opinions regarding registration and regulatory requirements
Compliance counseling for debt management and settlement companies
Drafting compliance policies, procedures, and regulatory documentation
LOAA drafts and reviews required documents for debt management providers, including:
Debt management service agreements
Consumer disclosures and compliance documents
Fee agreements and refund policies
Regulatory compliance submissions required by the OCCC
The Texas OCCC requires specific compliance documentation to be submitted with registration applications.
LOAA represents debt management and settlement providers in:
Regulatory inspections and audits
CFPB investigations and enforcement matters
Administrative hearings and compliance remediation
LOAA offers a combined 30-day Texas OCCC registration and compliance program for debt management and settlement providers, designed to help businesses launch and operate in compliance with Texas and federal consumer credit laws.
LOAA advises debt management companies on compliance with:
Texas Finance Code and Texas Administrative Code
OCCC administrative rules
Federal consumer credit laws and regulations
CFPB enforcement guidance
FTC consumer protection regulations
LOAA represents debt management and settlement providers only. LOAA does not represent consumers.
LOAA provides administrative, civil, compliance, and transactional legal services for debt management businesses.
Texas Debt Management Provider Lawyer
Texas Debt Settlement Provider Lawyer
Texas OCCC Registration Attorney
Debt Negotiation Compliance Lawyer
Texas Consumer Credit Compliance Attorney
“I engaged Alan to help me through the complexities of obtaining my Lenders License. He was very knowledgeable about the process and provided me with a high level of service. I worked quickly getting him all the information needed and he worked at my pace. He was responsive to e-mails and questions and followed up with the DFPI to make sure everything was filed correctly. I had read online that this process could take as long as 6 months however Alan completed the assignment in less than 3 I will be retaining his services in the future to ensure my company remains in compliance."
--Petroleum Realty Group Inc.
"I hired Alan to represent me as a mortgage broker before the California Department of Real Estate. I couldn't be more pleased with Alan's services from start to finish. Alan was clear and concise. Alan's communication throughout the process was professional. I received the results I hoped for. Thank you Alan. I'll definitely recommend you to ALL and use your services again in the future shall I need anything!"
-Anonymous
"Very helpful in assisting in obtaining an OCCC Texas Motor Vehicle Sales Finance License. Very knowledgeable in answering all questions the OCCC asked for on their questionnaire. Highly recommended and would re-hire for any future assistance regarding motor vehicle and finance business. God Bless!"
-Raul
