Affordable Flat Fees. No Hourly Attorney Rates.

We pride ourselves in offering affordable, flat fee rates that help Texas consumers defend lawsuits filed by Arrow Financial Services. We offer a range of services to help aid in your goals.

Affordable Flat Fees. No Hourly Attorney Rates.

We pride ourselves in offering affordable, flat fee rates that help Texas consumers defend lawsuits filed by Arrow Financial Services. We offer a range of services to help aid in your goals.

Why do I have an Arrow Financial Services Lawsuitt?

Arrow Financial Services purchased a defaulted debt from an original creditor. Arrow Financial Services then files lawsuits against consumers in an attempt to collect the debt. They are counting on the fact that you will not respond or show up to court. If you do not then they may take a default judgment against you. In Texas, a judgment can be aggressively collected for ten (10) years. This gives Arrow Financial Services a long time in which to come after you. Many consumers think that a judgment is just a worthless piece of paper and if they do not want or can’t pay then there is nothing the judgment creditor can do in Texas. They are wrong. Judgment creditors can garnish bank accounts taking all the hard earned money. They can file a lawsuit for receivership which allows them to remove money at any time from the bank account. They can stop the sale or purchase of a home or auto. They can try to sell any unprotected assets you may have in Texas. In short, whether a consumer has the funds to settle or not right now, it can get more costly the longer this continues.

Who is Arrow Financial Services?

Arrow Financial Services is a debt buyer that purchases large amounts of defaulted debt to try to collect more than they paid.

Options When Sued

If you have been sued then you need to answer the lawsuit. Participants in the system often have a better outcome than those that do nothing. Some of the options that you have are to:

  • Attempt to Negotiate a settlement with Arrow Financial Services before the answer is due. Many consumers recognize they may owe a debt and choose to attempt to settle the debt before an answer is due to the court. Arrow Financial Services is often receptive to a quick settlement rather than spending more time and money in a lawsuit. Even if they can provide some of the documentation to the court, there is always a chance they could lose.
  • Answer the Lawsuit filed by Arrow Financial Services. Even if a consumer thinks they owe a debt it is still up to Arrow Financial Services to prove that they own the debt, have the right to file suit, and have enough documentation to prove a debt is owed. They may not be able to successfully produce all required documentation when challenged.
  • Do nothing. Many people decide to do nothing for lack of funds or fear of what can happen. Arrow Financial Services may take a judgment against them and then ultimately have their bank accounts frozen (bank garnishment). Judgments in Texas are good for 10 years initially and they care a minimum interest. The amount of an unresolved judgment can significantly increase over time.
  • Seek bankruptcy protection. Our law firm does help clients file bankruptcy. If you are interested in seeing if bankruptcy is right for you visit our site Dallas Bankruptcy Attorney
  • The best time to take care of a lawsuit is NOW. It can potentially get more costly and worse.

Our Pricing

Many clients feel that they do not need nor can they afford attorney representation defending their credit card lawsuit. They may feel that if they had the money, they may have settled with their credit card company. We understand. We have found that most clients are better off being represented by an attorney than not.

Free Consultation

$450


Settle Before Answer is Due
Negotiate a settlement quickly before the answer is due to the court.
Free Consultation
Free Consultation

$750 - $1250


Answer the Lawsuit

Pricing for lawsuits up to $30,000

Free Consultation
Free Consultation

Quoted


Aggressive Representation
Answering the lawsuit with anticipated subpoenas, depositions, and additional motion hearings
Free Consultation

What happens if I do not answer the lawsuit?

Many choose not to answer a lawsuit. In that case, a defendant can expect to:

      • Lose the court case.
      • Receive a default judgment In Texas judgments automatically are good for 10 years. They can renew the judgment and it can stay in public records for a long time. A judgment can prevent you from purchasing homes and cars and an employer may deny employment. Judgments do keep increasing in value. They carry a state minimum interest rate that judgment creditors often calculate.
      • Garnish bank accounts A judgment creditor may be able to garnish your bank account and take the money you do keep in it. Many are forced into closing their bank accounts and converting all payments to cash.
      • Possibly be denied loans and employment A judgment can prevent you from purchasing homes and cars and an employer may deny employment.

Attorney

John Gannon Helstowski
John Gannon HelstowskiManaging Attorney
Since day one of founding his law firm John has believed that if you represent clients well, treat them fairly, and charge modest prices a firm foundation will be formed to make a strong law firm. Call or email us today for a free quote and see how we can assist you.