Retail and Consumer Finance

Padfield & Stout, LLP works with a variety of banks, credit unions, and other financial institutions to effectively collect on consumer debts and maintain compliance with state and federal laws. Our attorneys are experienced and knowledgeable in consumer law, creditor’s rights, and financial transactions.

Our retail and consumer finance services include:

• Debt collection
• Repossession and sequestrations
• Executions and receiverships
• Bankruptcy litigation
• Property exemptions
• Garnishments
• Licensure requirements
• Regulation and compliance
• Retail and consumer finance transactions
• Administrative law and hearings

Additionally, the firm regularly defends clients facing a variety of consumer claims, including alleged debt-collection violations of the following:

• The Fair Debt Collection Practices Act (“FDCPA”)
• The Texas Debt Collection Practices Act (“TDCPA”)
• The Telephone Consumer Protection Act (“TCPA”)
• The Texas Deceptive Trade Practices Act (“DTPA”)
• The Fair Credit Reporting Act (“FCRA”)
• Bankruptcy Automatic Stays