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Law Office of David A. Fernandez, PC | Firms | Attus

Houston, Texas Debt Defense Litigation Attorney

Houston Debt Defense Litigation Attorneys Fight for Your Rights
Facing a credit card or debt collection lawsuit is a frightening experience. It feels like your debt keeps growing and that the angry letters and harassing phone calls will never stop. When you’re angry with collectors or scared about your future, you want an attorney who will defend you relentlessly in the courtroom. You want an attorney who won’t back down. You will find such an attorney at the Law Office of David A. Fernandez, P.C., in Houston.

Our law firm is founded on the proposition that all people have the right to live in dignity. When abusive creditors try to rob our clients of their dignity, we are determined to provide relief. Past clients who’ve relied on us know that we are:

Respected — Over more than 25 years, our law practice has built a reputation for highly professional and ethical service.
Tenacious — We do more than negotiate reductions in debt. We go to court to fight on your behalf.
Comprehensive — As a practice that focuses on consumer protection law, we do more than just put an end to creditor harassment: we create lasting solutions to your problems.

Runaway debt takes away your autonomy and your freedom. When you're ready to take back control of your life, David Fernandez and his team will fight for you in court.

Consumers are often unaware that creditors and third-party creditors have inadequate records to prove their case.  Our attorneys strive to keep these faulty and unreliable business records out of evidence.  When we are most successful, the creditor dismisses the case, and our Case Results list shows just how common such dismissals were as recently as 2016. In that year, in 22 actions with the National Collegiate Student Loan Trust, we got the action dismissed or a result where our client paid nothing.

Being in debt is difficult enough without dealing with the complexities of a lawsuit. You may be suffering at the hands of ruthless agencies that ignore the debt collector laws of the United States and the State of Texas. At the Law Office of David A. Fernandez, P.C., you receive the help of Houston consumer law attorneys who treat you with the respect you deserve while tirelessly defending you in and out of court. We always fight for an outright dismissal of your debts. When a full dismissal isn't possible, we negotiate your debt settlement to ensure that you pay the least amount of money possible on that alleged debt.


Our lawyers won’t rest until we resolve your issue in the best possible way for you. After more than 25 years offering rigorous legal assistance to clients, we believe that there is a solution for every problem.  We also believe that offering you a variety of services makes it easier for you to pursue the best options for your case. We’re ready to assist with:

Debt defense — Our firm takes a comprehensive approach to debt defense that includes handling medical debt, defending credit card collection suits and other debt collector suits, debt negotiation, and judgment defense. We also assist small businesses with commercial debt restructuring.

Consumer bankruptcy — If you would be best served by filing consumer bankruptcy, we can guide your through the process to maximize the protections you receive under the law, including your state exemptions. Whether you need a quick discharge of your eligible debt under Chapter 7 or a restructure of consumer debt under Chapter 13 that allows you to keep your house, we provide capable case management focused on delivering the best possible results.

Federal consumer protection violations — When collectors abuse your rights, federal law allows you to strike back. Our firm represents consumer plaintiffs in actions under the Fair Debt Collection Practices Act and the Telephone Consumer Protection Act.

Credit repair — A poor credit report can hold you back when buying a home or a car, or applying for a job. Although you could try to fix it on your own, a knowledgeable credit repair lawyer can help significantly by identifying errors, negotiating with the credit reporting agency to amend the report, negotiating settlements with creditors, and defending you from a creditor lawsuit.

When you are under the pressure of crushing debt, it’s easy to lose hope. Unfortunately, you’d be surrendering rights you probably didn’t even know you had. The better course is to consult a determined consumer protection lawyer to learn about your rights and your legal options. Our law firm is ready to give you the fighting chance you deserve to reduce or eliminate your debt once and for all.

David A. Fernandez

General & Leisure Time.
David A. Fernandez is 49 years old. He is licensed to practice law in the State of Texas and enjoys going to the gym, cycling, snow skiing, and running.

Education, Political Causes & Activities.
Mr. Fernandez received a Bachelor of Arts degree from the University of Texas at Austin in 1984 and a Doctorate of Jurisprudence in 1989 from Texas Southern University.
From the period starting prior to his law practice and continuing to the present, Mr. Fernandez worked on many social and political causes such as the Nuclear Weapons Freeze Campaign in the early 1980’s and the Bill White for Texas Governor Campaign. In 1986, he managed the “Larry Warner for Texas State Representative Campaign” against a long-term incumbent. He organized teachers and unions in a successful campaign. Mr. Warner was elected to office and went on to represent his district for several terms. After graduating from law school but before establishing his first law office, Mr. Fernandez worked for Texas State Senator Gene Green of Houston, Texas. As legislative aid, he was responsible for managing part of the Senator’s legislation and frequently gave speeches on the Senator’s behalf. Eventually, his political activities and interests lead him to run for office; and in 1993, Mr. Fernandez made an unsuccessful bid for Justice of the Peace followed by a very close and disappointing primary loss in a bid for the Texas House of Representatives District 148. In his race for State Representative, he was endorsed by The Houston Chronicle, The Houston Post, Harris County Democrats, and various civic associations.

A Chronology of Professional & Travel Experiences Since 1992 to Today.
Mr. Fernandez had a successful legal career as principle in the law firm of David A. Fernandez & Associates, P.C., working primarily in Civil Law with an emphasis on Tort and Consumer Litigation. He created the firm in 1992 and built a solid reputation in that field of litigation within just a few years. Client representation increased yearly, and by 1994 the firm was handling over 200 clients per year with a high of over 700 in 1999. The firm had up to three associate attorneys and as many as fifteen support staff employees.
By 1995, settlements and/or jury awards of tort cases reached a minimum of $2,000,000 per year. Among his firm’s many successes, he settled one personal injury case in 1996 for $4.1 Million.

2002-2006. The Sabbatical.
Mr. Fernandez sold his law practice in 2002 and turned his attention to realizing a life’s dream of exploring his ancestry and learning its language (Spanish). For 4 years, he lived in and traveled to Mexico (where he studied at the International University at Cuernavaca and volunteered at the local IMSS Hospital), Peru (where he was a volunteer English teacher in one of the local grammar schools in Cusco), as well as Venezuela, Spain, France, and England.

Returning to Houston in 2006, Mr. Fernandez created Debt Elimination Specialists, LLC, a debt settlement company that specialized in restructuring consumer and commercial debt. [See]. Due to heavy federal regulation of the industry, the company was discontinued in 2009.

Mr. Fernandez created his present law firm, The Law Office of David A. Fernandez, P.C., in 2009, and most clients of Debt Elimination Specialists, LLC became the initial clients of his new firm. The law office of David A. Fernandez now focuses primarily on collection defense, debt negotiation, and business litigation.

David has extensive experience in the areas of civil law and consumer protection law. In the 1990s, he worked as an adjunct professor of political science and criminal procedure. David spent four years studying and volunteering in Latin and Central America between 2002 and 2006. Outside the office he campaigns for social or political causes at the grassroots level or hits the slopes with friends and family.

2190 N. Loop West Suite 333, Houston, 77018, MbovTcEGw5jdNE9o3, 6wxuaRAisz8KfopZu, postaladdress