Consumer Finance Resources in Texas

Need help with a bad loan product?  This page lists AFFIL Allies in your state who can offer assistance, as well as other links.  AFFIL Allies are locally-based organizations affiliated with our campaign who work with consumers around the country.

You can also contact Consumer Action (an AFFIL Partner) for free, non-legal advice.  If you call their hotline at 415-777-9635 or 213-624-8327 and leave a voice mail message, their multilingual hotline counselors will return your call as soon as possible.  They speak Chinese, English, and Spanish.  You can also email Consumer Action (hotline@consumer-action.org) or fill out their web form.

Credit Counseling:  For serious trouble with credit card or other consumer debt, consider contacting a nonprofit counselor who is a member of the National Foundation for Credit Counseling.

Find a Counselor

AFFIL Allies

In order from lowest zip code to highest.

 Name and Contact Information
Services
Avenida Guadalupe Association   
1313 Guadalupe, Suite 100   
San Antonio TX 78207          
210-223-3151
http://www.aveindaguadalupe.org

Homebuyer education
Pre/Post Purchase Counseling
Down Payment Assistance for first time
  home buyers
Budget/credit counseling
Mortgage delinquency and foreclosure
  prevention counseling
Loss mitigation services
Emergency home repair program for senior
  citizens

South Texas Civil Rights Project
San Juan TX 78589   
956-787-8171      http://www.texascivilrightsproject.org
Counseling and legal help for very low 
  income families on the Border
Wide array of consumer issues,
  focusing mainly on mortgage and
  title issues

No allies in your area?  Click here to find a HUD Approved Housing Counselor near you.

 

Find a Lawyer

AFFIL Allies

In order from lowest zip code to highest.

Law Office of Pamela L. Stewart   
4635 Southwest Freeway #610
Houston TX 77027   
713-622-3893
http://plstewart.com

Law Office of J. Thomas Black, P.C.
2600 So. Gessner, Suite 110
Houston TX 77063
713-772-8032
tom@jthomasblack.com
http://www.jthomasblack.com

South Texas Civil Rights Project
San Juan TX 78589   
956-787-8171
http://www.texascivilrightsproject.org

No allies in your area?  Check these links:

Please note: AFFIL is not a lawyer referral service and cannot refer you to a specific lawyer.

Find a Local Activist Group

AFFIL Allies

 Name and Contact Information
Mission

Center for Inquiry Austin   
7101 Fireoak
Austin TX 78759   
716-636-4869
austin@centerforinquiry.net
http://www.centerforinquiry.net/austin

The Center for Inquiry Austin offers an opportunity to put your principles into practice by joining other rationalists to work for positive change in society. In addition, the Austin Center sponsors social events for freethinkers as well as intellectual programming, and assists with campus outreach.

 

File a Complaint

If you have been the victim of predatory lending it is important that state and federal regulators hear from you.  In many cases, they will be able to help with your problem.  If they receive lots of complaints against a particular lender, they may undertake a serious investigation which could end up helping many other consumers as well.  By taking the time to file your complaint, you are helping to raise the volume of our call for regulators to act on their responsibility to put an end to predatory lending. 

In order to file a complaint against your lender, you will need to know who regulates it.  Some lenders are regulated by federal agencies, some by state agencies, and some by both.  Figuring out exactly who you should complain to can be confusing, so we have provided a page to help you identify who regulates your lender

If you determine that your lender is a state-chartered institution, we recommend that you file your complaint both with your state regulator (identified below) and with the Federal Reserve Board (the federal regulator of some state-chartered lenders who has promised that it will forward all complaints to the appropriate federal regulator).  Here is the contact information for your state banking regulator:

The Texas Department of Banking
2601 N. Lamar Blvd
Austin TX 78705
512-475-1300
512-475-1313
Toll Free: 877-276-5554
consumer.complaints@banking.state.tx.us
http://www.banking.state.tx.us/

Americans for Fairness in Lending (AFFIL) and Americans for Financial Reform (AFR) are partnering to reform the nation's lending industry and financial system to protect Americans' neighborhoods, homes and pocketbooks.

Visit our Blog for the latest news from around the consumer community.

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