Temple Personal Injury Lawyers

Bell County reported 54 fatal crashes and 63 traffic deaths in 2024, along with another 200 wrecks that left people seriously injured, according to the Texas Department of Transportation’s Crash Records Information System (CRIS). A large share of those wrecks happened along the Interstate 35 corridor that runs through Temple and Belton, where commuter traffic, long-haul trucks moving freight between the Mexican border and the DFW metroplex, and Fort Cavazos military families all share the same lanes.

Temple is also where the most seriously injured people in Central Texas end up. Baylor Scott & White Medical Center – Temple is the only Level I Trauma Center between Dallas and Austin, which means catastrophic injury patients from across the region get transported here for care.

You shouldn’t have to take an insurance company’s first offer just because medical bills are piling up. You deserve an attorney who knows Bell County, knows the courts at the Justice Center on Huey Drive, and isn’t afraid to push back when an insurer won’t pay what your case is worth.

At DJC Law, our Temple personal injury lawyers help accident victims and their families recover after serious injuries. If you were hurt in a wreck on I-35, slipped on someone else’s property, bitten by a dog, or harmed by a defective product, we can help.

We work on contingency. You pay nothing unless we win. Call us today for a free, no-obligation consultation. Hablamos español.

What Is Personal Injury Law?

Personal injury law lets people who’ve been hurt by someone else’s negligence, recklessness, or intentional misconduct seek financial compensation for their losses. These are civil claims, separate from any criminal charges. They hold the responsible party accountable and help injured victims recover the money they need for medical bills, lost wages, pain and suffering, and other damages.

Most personal injury cases come down to negligence. To win a negligence claim, you have to prove four things: that the defendant owed you a duty of care, that they breached that duty, that the breach caused your injuries, and that you suffered actual damages.

That sounds simple enough on paper. In practice, insurance companies spend a lot of time and money working to deny, delay, and minimize claims. An experienced personal injury attorney can level the conversation and improve your chances of a fair recovery.

Why Choose DJC Law

Not every personal injury firm is the same. Here’s what sets DJC Law apart.

You Pay Nothing Unless We Win

We take personal injury cases on contingency. There are no upfront fees and you owe us nothing unless we recover compensation for you. Our payment comes out of your settlement or verdict, so we only get paid when you do.

Personal Attention From Your Attorney

You won’t get handed off to a paralegal or left wondering what’s going on with your case. Our attorneys stay involved at every stage. We return calls. When you have a question, you’ll get an answer from the lawyer actually handling your case.

Bilingual Representation

Your attorney should never be a barrier to understanding your own case. Our team works in English and Spanish, so you can ask questions and make decisions in the language you’re most comfortable with.

Experience With Military Families

Bell County has one of the largest military communities in the state. Service members and their families face issues civilian clients usually don’t, including PCS moves that change the timeline of a case, claims that involve federal property or federal employees, and the interaction between civilian personal injury claims and benefits like CHAMPVA or TRICARE. We’ve worked with clients connected to Fort Cavazos and we understand how to keep a case on track when an active-duty client gets new orders.

Trial-Ready Representation

Insurance companies pay attention to which firms actually take cases to court. When they know we’re prepared to try a case, they’re a lot more willing to settle for a fair number. If they aren’t willing, we’re ready to put your case in front of a Bell County jury.

Local Knowledge, Local Commitment

We know the courts at the Bell County Justice Center, the judges who hear these cases, and the roads where these crashes keep happening. From the I-35 / I-14 system interchange south of Temple to the Highway 36 corridor heading west toward Killeen, we work cases here every week.

Personal Injury in Temple: By the Numbers

Temple sits at one of the busier highway intersections in Central Texas. Interstate 35 runs through the eastern side of the city, Interstate 14 and US 190 connect Temple to Belton, Killeen, and Fort Cavazos, and Loop 363 (HK Dodgen Loop) carries traffic around the city. The result is a lot of pavement, a lot of trucks, and a steady stream of serious wrecks. According to the Texas Department of Transportation and TxDOT corridor planning documents:

• • Bell County reported 54 fatal crashes and 63 traffic fatalities in 2024, along with 200 suspected serious injury crashes that left 247 people seriously hurt.

• • The county logged more than 6,000 reportable crashes overall in 2024, including over 1,000 wrecks that produced minor injuries and another 750-plus with possible injuries.

• • I-35 near the I-14 interchange in Bell County carries more than 134,000 vehicles per day, while the stretch near the Loop 363 interchange in Temple carries roughly 107,000 vehicles per day, according to TxDOT’s I-14 Extension corridor study.

• • TxDOT’s own analysis of the corridor concluded that the crash rate on I-35 between Belton and Temple exceeds the statewide average, with a particularly high concentration of crashes at the I-35 interchanges with I-14, US 190, and 6th Avenue.

• • Drunk driving played a role in several of those Bell County fatal crashes in 2024, with another 30 DUI wrecks producing serious injuries countywide.

Dangerous Roads and Intersections in Temple

If your wreck happened on one of these corridors, you’re not alone. They show up in TxDOT crash data and local news coverage year after year:

• • Interstate 35 through Temple: The defining road of the area. Truck volumes are heavy, frequent backups stretch from south Temple down toward Belton, and fatal wrecks at exits near Midway Drive (Exit 297) and the 6th Avenue interchange (Exit 301) are a regular occurrence.

• • The I-35 / I-14 system interchange: Where I-14 and US 190 split off from I-35 to head west toward Killeen and Fort Cavazos. TxDOT has flagged this interchange for reconstruction as part of the broader I-14 Extension project, in part because the existing freeway-to-freeway connections don’t meet current interstate standards.

• • Loop 363 (HK Dodgen Loop): Carries traffic around Temple between I-35 and the BSW Temple medical campus. Several fatal head-on and intersection wrecks have happened along the loop in recent years.

• • State Highway 36: Runs east-west through Temple and out toward Gatesville and the Fort Cavazos area. SH 36 has produced several catastrophic wrecks in recent years, including a 2024 collision involving a tractor-trailer hauling a 343,000-pound oversized load that killed two people near the SH 317 intersection.

• • State Highway 53 and State Highway 317: Both connect Temple to surrounding Bell County communities and have repeatedly shown up in fatal crash reports investigated by the Texas Department of Public Safety and the Bell County Sheriff’s Office.

• • South 31st Street and South 5th Street near the BSW campus: The interchanges where Temple’s hospital district meets Loop 363 see steady traffic from medical staff, patients, and visitors mixing with through-traffic. South 31st Street in particular has been flagged by city planners as a congestion and safety concern.

Types of Personal Injury Cases We Handle

Our Temple personal injury attorneys take on a wide range of cases. If you’ve been hurt because of someone else’s negligence, we can help.

Car accidents are the single most common cause of serious injury in Temple. Distracted driving, speeding, drunk driving, and fatigue cause thousands of crashes in Bell County every year. The National Highway Traffic Safety Administration (NHTSA) identifies all four as leading contributors to fatal crashes nationwide. [internal-link: car-accidents]

Truck accidents involving 18-wheelers and other commercial vehicles are a major part of our practice in Temple. The I-35 corridor through Bell County is one of the busiest freight routes in the country, and tractor-trailer wrecks here are routinely catastrophic. These cases are also more complicated than ordinary car wrecks. They involve federal regulations enforced by the Federal Motor Carrier Safety Administration (FMCSA), including hours-of-service rules, drug and alcohol testing, and maintenance standards. There are usually multiple parties who can be held liable, including the driver, the motor carrier, brokers, shippers, and maintenance providers. [internal-link: truck-accidents]

Motorcycle accidents tend to leave riders with severe injuries because they don’t have the protection of an enclosed vehicle. The Insurance Institute for Highway Safety has long reported that motorcyclists are killed at far higher rates than passenger-vehicle occupants per mile traveled. Insurance companies often try to use that risk against riders, and we push back hard. [internal-link: motorcycle-accidents]

Pedestrian accidents can leave victims with devastating injuries. Drivers have a duty to watch for pedestrians, and we hold them responsible when they don’t. Crosswalks along Adams Avenue, around the BSW Temple campus, and near downtown have all produced injury crashes. [internal-link: pedestrian-accidents]

Bicycle accidents can cause serious harm to cyclists who share the road with much larger vehicles. We represent injured cyclists and pursue full compensation under Texas law. [internal-link: bicycle-accidents]

Bus accidents, including crashes involving Hop public transit, school buses, charter buses, and tour operators, come with their own complications. Public transit cases can run into governmental immunity issues, and bus operators are held to a higher common-carrier duty of care. [internal-link: bus-accidents]

Premises liability cases come up when a dangerous condition on someone else’s property causes an injury. That covers slip and falls, inadequate security, swimming pool accidents, and more. Texas premises liability law is governed in part by Chapter 95 of the Texas Civil Practice and Remedies Code for certain property owners, along with case law that draws distinctions between invitees, licensees, and trespassers. [internal-link: premises-liability]

Dog bites can cause serious physical injuries and lasting emotional trauma. The Centers for Disease Control and Prevention estimates that 4.5 million people are bitten by dogs each year in the United States, with hundreds of thousands needing emergency care. We help victims pursue full compensation under Texas dog bite law. [internal-link: dog-bites]

Workplace and construction accidents are common in Temple given the city’s reliance on logistics, manufacturing, and rail. McLane Company, Wilsonart, and the cluster of distribution centers along I-35 and Loop 363 employ thousands of workers in environments where forklifts, heavy equipment, and tractor-trailers are part of the daily routine. Many of these cases involve violations of OSHA workplace safety standards. [internal-link: construction-accidents]

Product liability cases involve injuries caused by defective or dangerous products. That includes vehicle defects (which can sometimes be tracked through NHTSA’s recall database) and dangerous consumer goods regulated by the U.S. Consumer Product Safety Commission. [internal-link: product-liability]

Wrongful death claims allow surviving family members to seek compensation when a loved one is killed because of another party’s negligence or misconduct. These claims are governed by Chapter 71 of the Texas Civil Practice and Remedies Code. [internal-link: wrongful-death]

If your situation isn’t on this list, call us anyway. Personal injury law covers a lot of ground, and we’d rather hear about your case and tell you straight whether we can help.

Common Injuries in Personal Injury Cases

Accidents can cause anything from temporary pain to permanent disability. We represent clients who have suffered:

• • Traumatic brain injuries (TBI) and concussions

• • Spinal cord injuries and paralysis

• • Broken bones and fractures

• • Back, neck, and whiplash injuries

• • Herniated discs and soft tissue damage

• • Internal organ damage

• • Burns and scarring

• • Amputation and loss of limbs

• • Knee, shoulder, and joint injuries

• • Cuts, lacerations, and disfigurement

• • Post-traumatic stress disorder (PTSD) and other psychological injuries

Some injuries are obvious right away. Others, like concussions, internal bleeding, and soft tissue damage, can take days or even weeks to fully show up. That’s why getting medical attention as soon as possible after an accident matters. It protects your health, and it documents your injuries early. Baylor Scott & White Medical Center – Temple operates the only Level I Trauma Center between Dallas and Austin, verified by the American College of Surgeons. The campus also includes McLane Children’s Medical Center for pediatric trauma. Olin E. Teague Veterans’ Medical Center serves veterans across Central Texas from a campus on West Loop 363.

Compensation Available in a Texas Personal Injury Case

Texas law lets injured victims recover both economic and non-economic damages. Depending on the case, punitive damages may also be available.

Economic Damages

These are the financial losses you can document with bills, pay stubs, and receipts:

• • Medical expenses: Past and future treatment, hospital stays, surgeries, medication, rehab, and home care

• • Lost wages: Income you couldn’t earn while recovering

• • Loss of earning capacity: Reduced ability to earn in the future because of permanent impairments

• • Property damage: Repair or replacement of your vehicle and other damaged belongings

• • Out-of-pocket expenses: Transportation to medical appointments, home modifications, and other accident-related costs

Non-Economic Damages

These are losses that don’t come with a receipt but are just as real:

• • Pain and suffering: Physical pain caused by your injuries and their treatment

• • Mental anguish: Emotional distress, anxiety, depression, and psychological trauma

• • Disfigurement: Permanent scarring or physical changes to your appearance

• • Loss of enjoyment of life: Inability to take part in activities and hobbies you used to enjoy

• • Loss of consortium: The impact your injuries have had on your relationship with your spouse

• • Physical impairment: Limitations on your physical abilities and daily activities

In cases that involve gross negligence or intentional misconduct, you may also be entitled to exemplary (punitive) damages under Chapter 41 of the Texas Civil Practice and Remedies Code. These are meant to punish the wrongdoer and deter similar conduct. Texas caps them in most cases at the greater of (1) two times economic damages plus non-economic damages up to $750,000, or (2) $200,000.

How Texas Negligence Law Works

Understanding the basics of Texas negligence law helps you understand your case. Here are the key ideas.

Proving Negligence

To win a personal injury case, you have to prove four things:

Duty of care. The defendant had a legal obligation to act reasonably to avoid causing harm. Drivers have to operate their vehicles safely. Property owners have to keep their property in safe condition. Manufacturers have to produce safe products.

Breach of duty. The defendant didn’t live up to that duty. Running a red light, texting while driving (which is prohibited statewide under Texas Transportation Code § 545.4251), or ignoring a known hazard are all examples of a breach.

Causation. The breach actually caused your injuries. There has to be a clear connection between what the defendant did wrong and the harm you suffered.

Damages. You suffered real losses as a result. That can mean medical bills, lost income, pain and suffering, and other categories of harm.

Modified Comparative Negligence (the 51% Bar Rule)

Texas follows what’s called “modified comparative negligence,” set out in Chapter 33 of the Texas Civil Practice and Remedies Code. In plain terms, you can still recover compensation if you were partially at fault for the accident, as long as your share of responsibility is 50% or less.

If you’re found partly at fault, your recovery is reduced by your percentage of responsibility. For example, if you’re 20% at fault and your damages total $100,000, you’d recover $80,000.

If you’re found more than 50% responsible, you don’t recover anything. That’s why insurance companies work so hard to push fault onto victims. Even a few percentage points can knock you across that 51% line. Our attorneys fight to keep that from happening.

The Personal Injury Claims Process

Every case is a little different, but most personal injury claims follow a similar path.

Investigation and evidence gathering. We dig into how the accident happened. That includes police reports (Temple Police Department crash reports can be requested in person at TPD Headquarters or online through the city’s records system, and a Texas Peace Officer’s Crash Report can be ordered directly from the TxDOT C.R.I.S. portal), medical records, witness statements, photographs, and any other evidence that supports your claim.

Medical treatment documentation. We work to make sure your injuries are fully documented by medical professionals. Solid documentation is what proves the value of your damages later.

Demand and negotiation. Once we know the full extent of your damages, we send a demand to the insurance company and negotiate for fair compensation.

Filing a lawsuit. If the insurer won’t make a fair offer, we file suit. Most personal injury cases are filed in the Bell County District Courts, which sit at the Bell County Justice Center, 1201 Huey Drive in Belton. Civil filings go through the Bell County District Clerk’s Office using the statewide eFileTexas system. Some cases involving federal questions or out-of-state defendants may be filed in the U.S. District Court for the Western District of Texas, Waco Division, which has jurisdiction over Bell County.

Discovery. Both sides exchange information, take depositions, and gather more evidence under the Texas Rules of Civil Procedure.

Mediation or settlement. A lot of cases settle during litigation, often through mediation. Mediation is a structured negotiation with a neutral third party who helps both sides find common ground.

Trial. If the case doesn’t settle, we present it to a jury and ask for the verdict your case deserves.

Through all of this, we keep you in the loop. You’ll always know what’s happening and what your options are.

Dealing with Insurance Companies

After an accident, you’ll probably hear from an insurance adjuster who sounds friendly and concerned. Don’t read too much into the tone. The adjuster’s job is to keep their company from paying any more than it has to. The Texas Department of Insurance publishes consumer guides and complaint procedures if you ever feel an insurer is treating you unfairly.

Common insurance company tactics include:

• • Asking for a recorded statement they can later use against you

• • Requesting broad medical authorizations so they can dig for pre-existing conditions

• • Pushing a quick settlement before you know the full extent of your injuries

• • Disputing how serious your injuries are or claiming they aren’t related to the accident

• • Dragging things out, hoping you’ll accept less out of financial pressure

• • Trying to shift fault onto you to push you over the 51% comparative fault bar

Before you talk to any insurance company, talk to an attorney first. Once we’re involved, we handle communications with insurers for you.

Statute of Limitations: How Long You Have to File in Texas

Texas sets strict deadlines for filing personal injury claims. Under Texas Civil Practice and Remedies Code § 16.003, you generally have two years from the date of injury to file a personal injury or wrongful death lawsuit. Miss that deadline and you usually lose your right to recover, period.

Some situations have different deadlines.

Claims against government entities, like the City of Temple, Bell County, or a state agency, typically require formal written notice within six months or less under the Texas Tort Claims Act. Many city charters require notice even sooner.

Claims involving federal property or personnel, including wrecks involving Fort Cavazos vehicles or injuries on federal land, can fall under the Federal Tort Claims Act, which has its own administrative claim deadlines and procedural rules.

Medical malpractice claims have additional procedural rules under Chapter 74 of the Texas Civil Practice and Remedies Code, including a 60-day pre-suit notice requirement and an expert report requirement.

Claims involving minors may have extended deadlines under Texas tolling rules.

Don’t sit on your case waiting to see if your injuries get better. Even if you’re not ready to file a lawsuit, talking to a lawyer early makes sure you understand your deadlines.

Steps to Take After an Accident in Temple

If you’ve been hurt in any kind of accident, the steps you take afterward can protect both your health and your legal rights.

1. 1. Get medical attention right away. Call 911 if anyone is seriously hurt. For severe trauma, the only Level I Trauma Center between Dallas and Austin is Baylor Scott & White Medical Center – Temple, off South 31st Street near Loop 363. McLane Children’s Medical Center on the same campus handles pediatric trauma. Veterans can be seen at the Olin E. Teague VA Medical Center on West Loop 363.
   2. Report the accident. If the crash happened inside Temple city limits, call 911 to get an officer to the scene. For minor crashes with no injuries, the Temple Police Department‘s non-emergency line is (254) 298-5500. Crashes in unincorporated parts of Bell County are handled by the Bell County Sheriff’s Office. Crashes on I-35, I-14, and other state highways are sometimes worked by the Texas Department of Public Safety.
   3. Document everything. Take photos of the accident scene, your injuries, property damage, road conditions, and traffic signs. Note the time of day, the weather, and the direction you were traveling.
   4. Get witness information. Collect names, phone numbers, and email addresses from anyone who saw what happened.
   5. Request your crash report. Texas Peace Officer’s Crash Reports (Form CR-3) are usually available 7 to 14 days after the wreck through the TxDOT C.R.I.S. public portal for $6 (or $8 certified). Temple Police Department reports can also be requested in person at TPD Headquarters, 209 East Avenue A, Temple, TX 76501.
   6. Keep records. Save all medical bills, prescription receipts, mileage logs to and from appointments, and pay stubs that show the work you missed.
   7. Don’t give a recorded statement. If the other driver’s insurance company asks for one, politely say no until you’ve spoken with an attorney.
   8. Don’t sign anything. Insurance companies sometimes hand over releases or settlements that look routine but quietly waive your rights. Have a lawyer look at it first.
   9. Call a personal injury attorney. The sooner you have legal representation, the better protected your case is.

How Our Temple Personal Injury Lawyers Help

Trying to handle a personal injury claim while you’re still recovering from a serious injury is exhausting. Our team takes the legal work off your plate so you can focus on getting better.

We investigate the accident, gather the evidence we need to prove liability and damages, and handle every conversation with the insurance companies. When a case calls for it, we bring in medical experts, accident reconstructionists, and economists to help build it.

We also calculate the full value of your losses, including future expenses and the kinds of non-economic damages that are easy to undercount. Then we negotiate hard for fair compensation. We also prepare every case as if it’s going to trial, because the cases that look ready for trial almost always settle for more.

If the insurance company won’t pay what your case is worth, we go to court.

Frequently Asked Questions About Temple Personal Injury Cases

How much does it cost to hire a personal injury lawyer in Temple?

Nothing upfront. We work on contingency, which means we only get paid if we recover compensation for you. Our fee comes as a percentage of your settlement or verdict. If we don’t win, you don’t pay. The consultation is free.

How long do I have to file a personal injury lawsuit in Texas?

Generally two years from the date of injury under Tex. Civ. Prac. & Rem. Code § 16.003. Claims against government entities can have notice deadlines as short as six months. Medical malpractice cases and Federal Tort Claims Act cases each have their own procedural deadlines. Don’t assume your deadline based on the general rule. Have an attorney confirm it.

Is Texas a no-fault state for car accidents?

No. Texas is an at-fault (or “tort”) state. The driver who caused the wreck, and that driver’s insurance company, is responsible for the damages. That’s different from no-fault states, where each driver typically files with their own insurer regardless of who caused the wreck. In Texas, fault investigation and the police crash report often shape the outcome of your case.

What is the minimum auto insurance required in Texas?

According to the Texas Department of Insurance, drivers have to carry at least 30/60/25 liability coverage. That’s $30,000 per injured person, up to $60,000 per accident, and $25,000 for property damage. These minimums often aren’t enough to cover serious injuries, which is why uninsured and underinsured motorist coverage matters so much.

How long will my case take?

It depends. Some cases settle within months. Others take a year or more, especially if litigation is needed. Cases with disputed liability, severe injuries, or commercial defendants generally take longer. We work to resolve your case as quickly as we reasonably can without rushing it past a fair result.

What if I was partially at fault for my accident?

You can still recover compensation as long as your share of fault is 50% or less. Your recovery is reduced by your percentage of fault. If you’re found 51% or more at fault, you recover nothing. That’s why insurance companies push so hard to assign fault to victims.

Should I accept the insurance company’s settlement offer?

Not without talking to an attorney first. Initial offers are almost always far below what your case is worth. Once you sign a release, you can’t reopen the claim, even if your injuries turn out to be more serious than you thought. Have a lawyer review any offer before you sign anything.

How much is my case worth?

Every case is different. Value depends on the severity of your injuries, your past and future medical expenses, lost income, pain and suffering, the strength of the evidence, and the available insurance coverage. We can give you a more accurate range after we review the specifics of your case in a free consultation.

Are personal injury settlements taxable in Texas?

According to IRS Publication 4345, the part of a personal injury settlement that compensates you for physical injuries or physical sickness is generally not taxable. Portions allocated to lost wages, interest, or punitive damages can be taxable. Texas itself has no state income tax, but you should always confirm tax treatment with a CPA.

What if the other driver doesn’t have insurance?

You may still have options. Your own uninsured/underinsured motorist (UM/UIM) coverage may apply. Other parties, like an employer if the at-fault driver was on the job, may share liability. We look at every angle for compensation, including stacking applicable policies where Texas law allows.

What if my accident involved a commercial truck on I-35?

Commercial truck cases are some of the most complex in personal injury law. The trucking company, broker, shipper, and maintenance provider can all share responsibility, and each one carries separate insurance policies. Federal regulations enforced by the FMCSA, including hours-of-service rules and electronic logging device requirements, often play a central role in proving fault. We move quickly on these cases to preserve evidence like driver logs, dashcam footage, and dispatch records before they disappear.

Where do I get my Temple accident report?

You can request your crash report online through the TxDOT Crash Report Online Purchase System or in person at Temple Police Department Headquarters, 209 East Avenue A, Temple, TX 76501. Standard reports cost $6, with additional fees for certified or mailed copies. If we represent you, we’ll handle getting the report as part of our investigation.

Helpful Temple and Texas Resources

If you’ve been hurt in an accident in Temple, these public resources may be useful:

• • Temple Police Department. Emergencies 911, non-emergency (254) 298-5500. Headquarters at 209 East Avenue A.

• • Bell County Sheriff’s Office. Non-emergency (254) 933-5412. Located at 104 South Main Street in Belton.

• • Bell County District Clerk’s Office. Civil filings and records, (254) 933-5197. Bell County Justice Center, 1201 Huey Drive, Belton.

• • Killeen-Temple Metropolitan Planning Organization (KTMPO). Local transportation planning and corridor studies for Bell and Coryell counties.

• • TxDOT I-14 Extension Project. Updates on the planned reconstruction of I-35 and Loop 363 / US 190 / SH 36 through Temple.

• • TxDOT Crash Reports and Records. Statewide crash data and report requests.

• • Texas Department of Insurance. Insurance complaints and consumer guides.

• • Baylor Scott & White Medical Center – Temple. The only Level I Trauma Center between Dallas and Austin.

• • Olin E. Teague Veterans’ Medical Center. VA hospital serving veterans across Central Texas.

Contact Our Temple Personal Injury Attorneys Today

If you’ve been hurt because of someone else’s negligence, you don’t have to take on the insurance companies on your own. The Temple personal injury lawyers at DJC Law have the experience and the resources to go to bat for you.

Reach out for a free consultation. We’ll listen to your story, walk you through your options, and help you figure out what to do next. There’s no obligation, and you don’t pay us anything unless we win. Hablamos español.