LoBue Law

Debt-Relief · Texas

Rating: 4.2/5

LoBue Law logo

Plano, TX bankruptcy law firm handling Chapter 7, 13, and 11 cases plus debt settlement. Chapter 7 can start with $100 down; free initial consultation.

Official Website

https://www.thelobuelaw.com/

LoBue Law Review

LoBue Law, PLLC is a Plano, Texas bankruptcy and debt relief law firm founded in 2019 by Vincent "Vinny" LoBue. The firm holds an A+ BBB rating and has been BBB-accredited since August 2020. LoBue is a member of the National Association of Consumer Bankruptcy Attorneys (NACBA), a key professional credential in the consumer bankruptcy space. The firm serves residents throughout Collin and Dallas counties from its flagship office at 101 E Park Blvd, Suite 600, with additional satellite locations across both counties.

LoBue Law offers the full spectrum of federal bankruptcy options: Chapter 7 liquidation (which can discharge unsecured debts like credit cards and medical bills), Chapter 13 reorganization (a 36–60 month structured repayment plan that can save homes from foreclosure and vehicles from repossession), and Chapter 11 business reorganization including the streamlined Subchapter V process under the Small Business Reorganization Act. For clients who want to avoid bankruptcy, the firm also negotiates debt settlements directly with creditors. Chapter 7 cases can begin with as little as $100 down, with flexible payment plans for legal fees.

All prospective clients receive a free initial consultation to assess their options.

What sets LoBue Law apart is managing partner Vinny LoBue's unusual background: he spent years representing banks and creditors in bankruptcy proceedings before switching to consumer advocacy. That insider knowledge of creditor tactics translates into a strategic edge for his clients. Unlike larger firms that route cases to junior associates, LoBue handles matters personally. The firm's 5.0-star Google rating from 193 reviews reflects consistent client satisfaction, and the A+ BBB accreditation adds institutional credibility for a firm that has only been in operation since 2019.

LoBue Law is a strong choice for Collin and Dallas county residents who are seriously overwhelmed by debt and need legal intervention — not just counseling. The main limitation is geographic: the firm primarily serves two Texas counties, so clients outside the DFW area will need to look elsewhere. Specific flat-rate fee totals are not published online and are disclosed during consultation, so cost-conscious consumers will need to schedule a call before comparing.

This is also not a non-profit or free service — it is a private law firm, so clients should expect attorney fees on top of any court filing costs.\n\nWhen evaluating debt relief companies, consumers should compare settlement programs against alternatives like debt consolidation loans, which combine multiple debts into a single fixed-rate payment. Credit counseling through nonprofit agencies offers free budgeting help without impacting credit scores. For those whose credit has already been damaged, credit repair services can address inaccurate negative items on reports. Personal loans for bad credit may provide funds for debt payoff at lower rates than credit cards, and credit monitoring services help track progress throughout the recovery process.

Consolidating high-interest balances into a single installment loan with a fixed rate can reduce total interest paid and simplify monthly budgeting.

Pros & Cons

Reader-focused summary of the strongest reasons to consider LoBue Law and the factors most worth weighing before contracting. Individual outcomes depend on your credit situation and goals.

Pros

  • ✓Managing partner Vincent LoBue has 25+ years of legal experience, including time representing creditors — giving him insider knowledge of bank tactics
  • ✓Chapter 7 cases can begin with as little as $100 down, with flexible payment plans for those in financial distress
  • ✓A+ BBB rating with accreditation since August 2020 — strong trust signal for a firm founded in 2019
  • ✓5.0-star Google rating from 193 reviews — unusually high satisfaction score for a law firm
  • ✓Cases handled personally by the managing attorney, not delegated to junior associates
  • ✓Covers full range of bankruptcy chapters (7, 13, 11/Subchapter V) plus non-bankruptcy debt settlement
  • ✓Free initial consultation to assess options before any financial commitment

Areas to Consider

  • !Geographic coverage limited to Collin and Dallas counties in Texas — not available to most U.S. consumers
  • !Attorney fee totals not published online; must schedule a consultation to get actual cost figures
  • !No non-profit status or sliding-scale fee structure — this is a private law firm with standard legal fees
  • !No online client portal or mobile app for case tracking; contact is limited to phone and web form
  • !Firm founded in 2019 — less than a decade of operating history compared to established bankruptcy practices

Verdict Summary

LoBue Law works best for consumers who value managing partner vincent lobue has 25+ years of legal experience, including time and can accept the tradeoff of geographic coverage limited to collin and dallas counties in texas — not availab. Compare against similar providers below before signing any contract.

Services & Features

Services offered

Feature Checklist

✗Credit Monitoring
✗All Three Bureaus
✗Goodwill Letters
✗Cease Desist Letters
✗Debt Validation
✗Credit Education
✗Identity Theft Protection
✗Score Tracking
✗Mobile App
✗Online Portal
✗Personal Advisor
✗Ai Powered
✗Cease Desist
✗Score Tracker

Best For

Before You Contact LoBue Law

Before signing up with any Debt Relief provider, review these safeguards:

Compare Your Needs With LoBue Law

Match these decision factors against LoBue Law's profile before committing. This rubric mirrors what independent consumer-finance research typically checks for Debt Relief providers.

Category

Debt Relief

Service scope

12 services listed

Geographic coverage

1 states

Match to your priorities

  • ●
    Budget priority: Pricing published above — factor in setup, monthly, and cancellation fees over the full expected service window.
  • ●
    Complexity priority: Consider LoBue Law's stated strengths (Managing partner Vincent LoBue has 25+ years of legal experience, including time representing cre...) against your specific credit situation.
  • ●
    Timeline priority: Debt Relief typically takes 3-6 months for meaningful outcomes. Providers guaranteeing overnight results are red flags under federal consumer protection law.
  • ●
    Recourse priority: Confirm state licensing via your state regulator and check the CFPB complaint database before contracting.
  • ●
    Alternatives: Compare against all Debt Relief providers, DIY options via non-profit counseling agencies, and free CFPB resources.

Pricing

  • Monthly Price: 0
  • Setup Fee: 0
  • Money Back Guarantee: False
  • Guarantee Details: Contact provider for details.
  • Free Consultation: True
  • Tiers: [{'name': 'Chapter 7 Bankruptcy', 'price': 100, 'features': ['Start with as little as $100 down', 'Flexible payment plans for attorney fees', 'Discharge of unsecured debts (credit cards, medical bills)', 'Automatic stay stops collection calls and lawsuits immediately', 'Personal handling by attorney Vincent LoBue', 'Free initial consultation included']}, {'name': 'Chapter 13 Bankruptcy', 'price': 0, 'features': ['36–60 month structured repayment plan', 'Can stop foreclosure and save your home', 'Can prevent vehicle repossession', 'Reorganize and catch up on secured debts', 'Personal handling by attorney Vincent LoBue', 'Free initial consultation included']}, {'name': 'Chapter 11 / Subchapter V', 'price': 0, 'features': ['Business debt reorganization', 'Streamlined Subchapter V process for small businesses', 'Small Business Reorganization Act (SBRA) eligible cases', 'Restructure business debts while continuing operations', 'Free initial consultation included']}, {'name': 'Debt Settlement', 'price': 0, 'features': ['Non-bankruptcy alternative to resolve debts', 'Negotiation directly with creditors', 'Avoid bankruptcy filing on record', 'Free initial consultation to assess eligibility']}]
  • Currency: USD

Frequently Asked Questions

What services does LoBue Law offer?

LoBue Law offers 12 services including Chapter 7 bankruptcy — liquidation and discharge of unsecured debts, Chapter 13 bankruptcy — 36–60 month repayment/reorganization plan, Chapter 11 bankruptcy — business reorganization, Subchapter V / Small Business Reorganization Act (SBRA) cases, Debt settlement negotiation with creditors, and 7 more. Confirm current service list directly with the provider before contracting.

Who is LoBue Law best suited for?

LoBue Law's profile signals suggest it may fit: Collin and Dallas county residents overwhelmed by credit card debt or medical bills considering Chapter 7 discharge; Homeowners behind on mortgage payments who want to use Chapter 13 to stop foreclosure and catch up; Small business owners in the DFW area needing debt reorganization under Chapter 11 or Subchapter V; Individuals facing wage garnishment, repossession, or creditor lawsuits who need an automatic stay immediately. Individual outcomes vary based on your specific situation.

What are the strengths and weaknesses of LoBue Law?

Key strengths: Managing partner Vincent LoBue has 25+ years of legal experience, including time representing creditors — giving him insider knowledge of bank tactics; Chapter 7 cases can begin with as little as $100 down, with flexible payment plans for those in financial distress; A+ BBB rating with accreditation since August 2020 — strong trust signal for a firm founded in 2019. Areas to consider: Geographic coverage limited to Collin and Dallas counties in Texas — not available to most U.S. consumers; Attorney fee totals not published online; must schedule a consultation to get actual cost figures.

How does LoBue Law compare to similar companies?

In the Debt Relief category, comparable providers include Family Credit Management Services, Accredited Debt Relief, Achieve (Freedom Debt Relief). Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Where does LoBue Law operate?

LoBue Law serves customers in 1 states including Texas. Confirm current service availability in your state directly with the provider.

How much does LoBue Law cost?

Listed pricing for LoBue Law: monthly price: 0; setup fee: 0; money back guarantee: False. Pricing may change — verify current fees directly with the provider before signing any contract.

Visit LoBue Law

State Consumer Finance Context

This is state-level context for Debt Relief consumers in Texas. It does not confirm that LoBue Law or this specific location is licensed.

State regulator: Texas Office of Consumer Credit Commissioner
Consumer protection: Texas Attorney General Consumer Protection Division

Credit and debt help rules in Texas

Key state rules to check

Payday lending in Texas: Legal

Usury cap: 10% for written contracts (18% default); payday/auto title loans regulated as credit access businesses

Complaint resources

State references

Texas allows payday and auto title lending through the Credit Access Business model, which lacks state-level fee caps. Several cities have enacted local ordinances to limit loan amounts and rollovers. Consumers can file complaints with the Office of Consumer Credit Commissioner or the Attorney General.

Similar Companies ⓘ

Comparable Debt Relief providers with similar service scope. Ratings reflect stored review context; verify current licensing and pricing directly before contracting.

Family Credit Management Services logo

Family Credit Management Services

Nonprofit credit counseling agency offering debt management plans, debt settlement, and a proprietary DualTrack hybrid program for consumers with unsecured debt.

Rating 4.9/5

Read review →

Notable: Nonprofit organization with 30+ years of operating history — not a for-profit consolidation firm

Accredited Debt Relief logo

Accredited Debt Relief

Accredited Debt Relief helps consumers consolidate debt and reduce monthly payments through personalized financial relief options, claiming to have assisted ...

Rating 4.9/5

Read review →

Notable: Success-based fee model—company only gets paid after achieving a solution for clients

Achieve (Freedom Debt Relief) logo

Achieve (Freedom Debt Relief)

Achieve (formerly Freedom Debt Relief / Freedom Financial Network) is one of the largest debt settlement companies in the US, based in San Mateo, CA. BBB A+ ...

Rating 4.4/5

Read review →

Notable: One of the most experienced debt settlement companies with $18B+ settled since 2002, providing deep creditor negotiat...

American Debt Relief logo

American Debt Relief

American Debt Relief is a Plano, TX debt settlement firm that negotiates with creditors to reduce unsecured balances, charging 22–25% of enrolled debt only a...

Rating 4.8/5

Read review →

Notable: Performance-only fee model — 22–25% of enrolled debt charged per settlement, nothing until client approves

American Profit Recovery logo

American Profit Recovery

American Profit Recovery (APR) is a Farmington Hills, MI-based third-party debt collection agency. BBB A+ rated (not accredited). Specializes in medical, den...

Rating 4.9/5

Read review →

Notable: High Google review rating (4.9 stars from 3,805 reviews) with recent positive testimonials praising staff professionalism

Americor logo

Americor

Americor is an Irvine, CA-based fintech debt relief company founded in 2009, offering debt settlement and consolidation through sister company Credit9. BBB A...

Rating 4.9/5

Read review →

Notable: No upfront fees or sign-up charges—fees only collected after settlement approval

Beyond Finance logo

Beyond Finance

Beyond Finance offers debt settlement and consolidation services designed to reduce monthly payments and help consumers exit debt faster through personalized...

Rating 4.9/5

Read review →

Notable: Claims to reduce monthly payments by 40% or more on enrolled debt

Citizens Debt Relief logo

Citizens Debt Relief

Citizens Debt Relief is an Irvine, CA-based debt settlement firm. BBB A+ accredited. IAPDA member. 1,536 Google reviews. Fee-after-settlement model.

Rating 4.8/5

Read review →

Notable: Advertises no upfront fees, which aligns with FTC regulations against advance-fee debt relief

Related Questions

Quick Summary

LoBue Law — Debt Relief in Texas.

Overall rating: 4.2/5

Plano, TX bankruptcy law firm handling Chapter 7, 13, and 11 cases plus debt settlement. Chapter 7 can start with $100 down; free initial consultation.

Visit LoBue Law

Next Steps

  1. Compare LoBue Law against similar options above.
  2. Run our borrowing power quiz to see how LoBue Law matches your situation.
  3. Check state regulator listings for LoBue Law's licensing before committing.
  4. Visit LoBue Law once you're ready.

Glossary of Terms

Common terms that come up when comparing Debt Relief providers. Full glossary at creditdoc.co/glossary/.

Chapter 13 Bankruptcy — Chapter 13 Bankruptcy (Reorganization)
A type of bankruptcy where you keep your assets but follow a court-approved 3-5 year repayment plan to pay back some or all of your debts. Stays on credit for 7 years.
Why it matters: Chapter 13 is better than Chapter 7 if you have a home or assets you want to keep. It can stop foreclosure and let you catch up on mortgage payments over 3-5 years.
Example: You're 3 months behind on your mortgage and have $30,000 in credit card debt. Chapter 13 stops foreclosure and puts you on a 5-year plan: you pay $600/month to catch up on the mortgage and pay 40% of the credit card debt.
Chapter 7 Bankruptcy — Chapter 7 Bankruptcy (Liquidation)
A type of bankruptcy that wipes out most unsecured debts (credit cards, medical bills) by liquidating non-exempt assets. It stays on your credit for 10 years.
Why it matters: Chapter 7 gives you a fresh start but at a steep cost: 10 years on your credit, difficulty getting loans, and you may lose assets. Income must be below your state's median to qualify.
Example: You have $45,000 in credit card debt and earn $35,000/year. Chapter 7 erases the debt. You keep exempt property (basic car, household items). Your score drops to ~500 but you're debt-free.
CFPB — Consumer Financial Protection Bureau
A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.
Why it matters: The CFPB is your most powerful ally against predatory lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.
Example: A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.
Charge-Off
When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.
Why it matters: A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.
Example: You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).
Collections — Debt Collections
When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.
Why it matters: Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.
Example: An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.
Debt Consolidation
Combining multiple debts into one single loan with one monthly payment, ideally at a lower interest rate. It simplifies repayment and can reduce total interest.
Why it matters: Consolidation works best when you get a lower rate than your existing debts. But it doesn't reduce what you owe — and extending the term can mean paying more total interest.
Example: You have: $5,000 at 22% (credit card), $3,000 at 18% (store card), $2,000 at 25% (payday loan). A $10,000 consolidation loan at 11% saves you ~$2,100 in interest over 3 years.
Debt Settlement — Debt Settlement / Negotiation
Negotiating with creditors to accept less than the full amount you owe — typically 40-60 cents on the dollar. Usually done after you've already fallen behind on payments.
Why it matters: Settlement can save thousands, but it severely damages your credit (settled accounts show for 7 years) and the IRS may tax the forgiven amount as income.
Example: You owe $15,000 on a credit card and negotiate a settlement of $7,500 (50%). You save $7,500 but: your credit drops 100+ points, the account shows 'settled' for 7 years, and you may owe taxes on the $7,500 forgiven.
Default — Loan Default
When you fail to repay a loan according to the agreed terms — usually after 90-180 days of missed payments. It's the point where the lender gives up on collecting normally.
Why it matters: Default triggers severe consequences: credit score drops 100+ points, the debt may be sent to collections, you could be sued, and your wages or assets could be seized.
Example: You miss 4 consecutive car payments. The lender declares your loan in default, repossesses your car, sells it at auction for $8,000, and you still owe the remaining $5,000 (called a deficiency balance).
DTI Ratio — Debt-to-Income Ratio
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
Why it matters: Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.
Example: You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.
FDCPA — Fair Debt Collection Practices Act
A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and must stop contacting you if you request in writing.
Why it matters: Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you can sue for up to $1,000 per violation plus attorney fees.
Example: A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.
Garnishment — Wage Garnishment
A court order that requires your employer to withhold part of your paycheck and send it directly to a creditor. Usually happens after a creditor sues you and wins a judgment.
Why it matters: Federal law limits garnishment to 25% of disposable income. Some states have lower limits. Student loans and taxes can be garnished without a court order.
Example: You owe $8,000 on a defaulted credit card. The bank sues, gets a judgment, and garnishes your wages. On a $3,000/month net paycheck, they take $750/month until the debt is paid.
Installment Loan
A loan you repay in fixed monthly payments over a set period — typically 12 to 60 months. Each payment covers part of the principal plus interest. Personal loans, auto loans, mortgages, and student loans are all installment loans.
Why it matters: Installment loans are the most common way Americans borrow money. Unlike revolving credit (credit cards), installment loans have a clear end date and predictable payments. Making on-time installment payments builds yo...
Example: You borrow $5,000 as a personal installment loan at 12% APR for 36 months. Your fixed monthly payment is $166. After 36 payments totaling $5,978, the loan is paid off. You paid $978 in interest but built 36 months of positive payment his...
Judgment — Court Judgment (Debt)
A court ruling that says you legally owe a specific amount to a creditor. It gives the creditor power to garnish wages, freeze bank accounts, or place liens on your property.
Why it matters: Judgments are enforceable for 10-20 years (varies by state) and can be renewed. They give creditors far more collection power than a simple unpaid debt.
Example: A credit card company sues you for $8,000 and wins a judgment. They can now garnish 25% of your paycheck ($750/month on a $3,000 net salary) and freeze your bank account.
Statute of Limitations — Statute of Limitations (Debt)
A time limit (typically 3-6 years, varies by state) after which a creditor can no longer sue you to collect a debt. The debt still exists, but they lose the legal power to force payment.
Why it matters: Knowing your state's statute of limitations prevents you from being tricked into paying debts that are legally uncollectable. Beware: making a payment can restart the clock.
Example: You have a $3,000 credit card debt from 2019. Your state has a 4-year statute of limitations. In 2024, a collector calls demanding payment. The statute has expired — they cannot sue you.
Amortization — Loan Amortization
The process of paying off a loan through regular payments that cover both principal and interest. Early payments are mostly interest; later payments are mostly principal.
Why it matters: Understanding amortization explains why paying extra early in a loan saves the most money — you're reducing the principal that interest is calculated on.
Example: Month 1 of a $200,000 mortgage at 6%: your $1,199 payment splits as $1,000 interest + $199 principal. By month 300: only $47 goes to interest and $1,152 goes to principal.