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TEXAS CREDIT SERVICE ORGANIZATION REGISTRATION LAWYER.

Alan Abergel is an attorney licensed by both the State Bar of Texas and the State Bar California.
We also provide registration, compliance, and document drafting services to California Credit Services Organizations.  
Texas Credit Service Organization Registration and compliance Lawyer.
Texas Credit Repair License.
In Texas, credit service organizations are governed by Chapter 393 of the Finance Code and the secretary of state’s administrative rules found in 1 Texas Administrative Code Chapter 74, as well as any other applicable state or federal law.
Unless exempt from registration, before conducting business in Texas, a CSO must register with the secretary of state.   The secretary of state is a filing officer for CSO registrations and security and does not have authority to regulate the business practices of a CSO. The secretary of state cannot resolve disputes about CSO services, investigate the business practices of a CSO, or determine whether a consumer is entitled to a refund.

The information above is publicly available here https://www.sos.state.tx.us/statdoc/cso.shtml

and on other sources.

Credit Repair Organizations Act.   This Act, Title IV of the Consumer Credit Protection Act, prohibits untrue or misleading representations and requires certain affirmative disclosures in the offering or sale of “credit repair” services. The Act bars companies offering credit repair services from demanding advance payment, requires that credit repair contracts be in writing, and gives consumers certain contract cancellation rights.   The Federal Trade Commission is charged with ensuring compliance with the requirements of the CROA with respect to credit repair organizations pursuant to the Federal Trade Commission Act.  In addition, the chief law enforcement officer of a state or a designated state official or agency may bring an action to enjoin violations of the CROA, and to recover damages for which the person is liable to state residents as a result of the violation.   The CROA does not annul, alter, affect, or exempt any person from complying with any state law except to the extent that the law is inconsistent with a provision of the CROA, and then only to the extent of the inconsistency.

The information above is publicly available here: https://www.ftc.gov/enforcement/statutes/credit-repair-organizations-act and on other sources.

 LEGAL SERVICES WE PROVIDE:
·           Assistance with filing of a CSO Registration Statement with the Texas Secretary of State.
·         Drafting contracts and documents to comply with the Texas Chapter 393 of the Finance Code and the secretary of state’s administrative rules found in 1 Texas Administrative Code Chapter 74, Credit Repair Organizations Act, and other applicable Texas and federal laws.
·           Advice concerning Texas Chapter 393 of the Finance Code and the secretary of state’s administrative rules found in 1 Texas Administrative Code Chapter 74, Credit Repair Organizations Act, and other applicable Texas and federal laws.
·       Representation of Texas Credit Service Organizations and credit repair companies in  transactional and administrative matters.
·        Representation in investigations and enforcement actions before the Attorney General, Federal Trade Commission, and CFPB.
·       We do not represent consumers.   We only represent Texas Credit Service Organizations and credit repair companies.  (companies operating from Texas or Texas customers)

Not Certified by the Texas Board of Legal Specialization or the California Board of Legal Specialization

DISCLAIMERS
The information provided on this Web site provides general information of interest, and should not be taken as legal advice for specific situations which depend on evaluation of precise factual circumstances. This website is purely a public resource of general information which is intended, but not promised or guaranteed, to be correct, complete and up-to-date. This website is not a source of legal advice, and thus the material provided on this website is not intended to create, and the receipt of it does not constitute, an attorney-client relationship.  Readers should not rely on information provided here-in, and should always seek the advice of competent counsel in the reader’s state.  The owner of this website is the LAW OFFICES OF ALAN ABERGEL, P.C.,  (“Abergel Law”) with its sole employed attorney, Alan Abergel, who is licensed as an attorney only in the states of Texas and California. The owner of this website does not wish to represent anyone desiring representation based on viewing this website in a state where this website fails to comply with all laws and ethics rules of that state.  Unless otherwise agreed to in writing between Abergel Law and the potential client, legal representation, legal services, and attorney-client relationship begins only upon the potential client signing an attorney fee agreement and paying the applicable fee stated in the same agreement.