James Meyrat, the principal consumer rights attorney of the Meyrat Law Firm, is committed to providing clients with options and alternatives to bankruptcy. Too often James Meyrat has seen law offices that specialize in bankruptcy not providing clients any other options. James Meyrat’s first priority is what is best for your situation, for preserving your credit score, tackling the debts you don’t owe, and keeping you in your home.
Based in San Antonio, Texas, James graduated from St. Mary’s University School of Law. He was admitted to the State Bar of Texas in 2005 and to the United States District Court Western District of Texas in 2013.
Over the past nine years of practice James has handled a wide array of cases. His first job after being licensed was as an Assistant District Attorney in Brownsville, Texas where he prosecuted criminal misdemeanor and felony cases. He then returned to San Antonio to start a general practice specializing in consumer rights, family law, and probate.
Most attorneys assume that bankrupcty is your best option. The Meyrat Law Firm always searches for alternatives to bankruptcy to preserve your credit.
James got his start in consumer rights law while practicing bankruptcy law at a middle size law firm. Almost every day for a period of 16 months, he would listen to economically disadvantaged people talk about how they were victims of car dealer fraud, debt collection harassment, predatory lending, robosigning foreclosures, credit card defaults, identity thefts, credit report mistakes, and other consumer abuses.
Unfortunately, most of these claims were largely ignored by the firm because it was just easier to just file a Chapter 7 and 13. While in some cases bankruptcy is the only option left, it will take the consumer a very long time to restore credit history and be qualified for a competitive interest rate on a mortgage or auto loan. In many ways, while bankruptcy offers a way out for consumers, it also concedes defeat to the creditors.
James Meyrat believes there are better and more constructive legal alternatives to bankruptcy. Before pressing the nuclear option of bankruptcy, James explores if there are any consumer rights abuses that might negate or significantly reduce the consumer debt altogether. James believes that many consumer debt delinquencies can be solved and repaired without filing for bankruptcy. Maybe the debt is invalid, maybe the contract is not enforceable, or maybe it can be negotiated for a very low figure. Sometimes, it’s the creditor that will end up paying the consumer for their wrongful deeds.
James Meyrat feels privileged to help consumers protect their rights and stand up to the dishonest practices of collectors, auto dealers, mortgage giants, payday lenders, student loan companies, and construction companies. James would like to remind consumers they don’t have to put their head in the sand, avoid answering the phone, be scared of being arrested, getting their car towed, getting wages garnished, or even having to file for bankruptcy. James is here to make sure no consumer pays one dollar more their legally obligation. He wants consumers to get a fair deal, and to promote justice for all consumers by continuing the ongoing struggle to curb unfair or abusive business practices that affect consumers.
Juris Doctor, 2004, St. Mary’s University School of Law, San Antonio, TX
Bachelor of Arts in History, 2000, Hendrix College, Conway, AR
PROFESSIONAL AFFILIATIONS & TRAINING
- Member of the Texas State Bar, admitted 2005
- Western District of Texas
- National Advocates Consumer Association
- San Antonio Bar Association, Consumer Law Committee Member
- Catholic Charities Guardianship Services – Volunteer Court Visitor
- San Antonio Bar Association Community Justice Pro-Bono Initiative
- French — Native speaker. Fluent in writing, conversation, and reading.
The Meyrat Law Firm defends clients’ consumer rights in the metro areas of San Antonio, New Braunfels, San Marcos, Austin, Waco, Temple, Del Rio, El Paso, Dallas, Fort Worth, Tyler, Lubbock, Amarillo, Abilene, Wichita Falls, and Beaumont.