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Templeton Smithee Hayes Heinrich & Russell, LLP

Name: Templeton Smithee Hayes Heinrich & Russell, LLP
Address: 320 South Polk Street, Amarillo, TX, 79101, US
Telephone: +1-806-547-2022

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320 South Polk Street, Amarillo, TX, 79101

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Wage Garnishment Defense in Texas

Texas wage garnishment is capped at federal limits (25% of disposable income or 30× minimum wage) — and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.

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Debt-Collection Defense in Texas

Texas consumers facing debt-collection lawsuits have powerful defenses — federal FDCPA, state consumer protection laws, statutes of limitations, and proof requirements that collectors often can't meet.

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Student-Loan Discharge in Bankruptcy in Texas

Texas student loans CAN be discharged in bankruptcy under the "undue hardship" Brunner test, plus DOJ's 2022 guidance has made it dramatically easier. Other federal options — IDR, PSLF, forgiveness — also relevant.

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