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Protecting the protector

Protecting the Protector

Many who own firearms do so for the purpose of personal protection. Family and loved ones come first when it comes to a home intrusion or other situations that require self defense – and it typically only takes a split second to do what is best for those whom you care about.

Unfortunately, what many gun owners don’t realize is that even in the act of self protection, if an intruder or aggressor is injured – or worse – from the firing of your gun, it is probable that they could file a lawsuit that could potentially cost you hundreds of thousands of dollars or more. If this is the case, the question then becomes, how can you protect yourself from this devastating financial situation?

The answer: Self-defense insurance.

In our lawsuit-happy society, legal battles can pop up almost as quickly and unexpectedly as convenience store robberies – and they can be far more damaging financially to the defendants – even those who are simply trying to keep their family out of harm’s way during a crime.

Because of this, today, many gun owners have been flocking to a newer type of insurance protection known as self-defense coverage. This insurance may also be referred to as firearm owners insurance, gun owner insurance, or simply firearm coverage.

In any case, it is a type of liability coverage that offers benefits for legal defense expenses should a gun owner become involved in a “lawful” shooting. This is a shooting that is defined as one done in the act of self defense such as during a home invasion.

Self defense insurance can provide a policy holder with funds to pay for the cost of civil liability, as well as to pay the cost of the insured’s bond, and to pay for the cost of civil defense if it is needed. Policies are typically also quite flexible, allowing the insured to choose the attorney of his or her choice if and when litigation is necessary.

A number of years ago, the NRA (National Rifle Association) began endorsing a similar type of protection for gun and firearm owners that covered some or all of the costs for criminal and civil defense expenses, as well as coverage for bodily injury or property damage that was caused by the use of a firearm.

The association recognized that there was a large gap in the coverage that was offered in most homeowners insurance policies for acts of self defense, so it created the plan in order to help its members should the unthinkable occur.

Over the past few years, several insurance carriers have begun to also offer this type of coverage – giving gun and firearm owners a choice in the benefits they can obtain and the coverage limits on their policies.

Companies such as CarryDefense, for example, offers basic policies with aggregate limits of up to $100,000 for monthly premiums as low as $19.95. With such affordable premiums on self defense insurance plans, gun owners should really consider adding this coverage – especially for the added peace of mind that it can provide.

Michael Busby Jr.

2909 Hillcroft Suite 350

Houston, Texas 77057

(713) 974-1151

Visit me on the web at


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Know the debt collection laws in Texas

The Federal Fair Debt Collection Practices Act provides for the protection of consumers from unfair debt collection practices. The Texas Debt Collection Act advocates for the same protection but goes a step further to regulate the manner in which debt collection is practiced within the state of Texas.

The Federal Fair Debt Collection Practices Act and the Texas Debt Collection Act are two pieces of legislation that basically serve the same purpose of protecting consumers from illegal debt collection practices including harassment and abuse. Both Acts prohibit the following:

1. Calls at work, if the collector has reason to know that the employer does not permit such calls
2. Call before 8am and after 9pm, unless the collector is aware that those times are convenient to the debtor
3. Unfair ways of collecting or attempting to collect a debt
4. Any conduct to harass, abuse or oppress the debtor

While the two Acts agree on the above points the Texas law sets out guidelines for debt collection in Texas:

Any debt collection company attempting to collect debt within the state of Texas must be bonded and licensed to do so. Failure of the company to maintain active surety bond, warrants grounds for immediate ceasing of collection activities and reporting to major credit bureaus

A debt collector must validate a debt within 30 days of instruction to collect and/or a request for validation being made by the debtor.

Debt validation is in accordance with the Texas Finance Code Section 392.202; which requires the debt collector to provide the alleged debtor with specific information regarding their debt which includes but is not limited to the following:

1. Name of original creditor
2. Original date of default
3. Date the debt was transferred from the original creditor to the third party debt collector
4. The original balance
5. The current balance
6. Surety bond information

In the event the debt collector fails to validate the debt within the 30 days, the debt collector inadvertently admits that the debt is inaccurate and thus has 5 days to cease all debt collection activities and remove all credit bureau listings.

Failure to meet the 5 day deadline means the debt collector agency is in violation of Texas debt collection laws and is subject to civil and criminal penalties and are legally obligated to permanently cease collection activities and remove the listing from the person’s credit profile with national reporting bureaus.

The debt collector agency must have proof that the person they are intending to collect from is indeed the debtor in question.

A third party collection agency that violates any provision of the Texas Finance Code is liable to civil and criminal penalties which may include monetary compensation to the victim.

The debt collector company cannot at any point engage in abuse, threats, coercion, misrepresentation, fraud, harassment, unfair means, and deception to collect debt.

The debt collection company must provide proof that they have the authority to collect fees, interest or expenses above the original balance; such proof may be a signed document by the debtor.

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Getting Child Support

If you live in Houston and are looking for child support it is important to get an experienced lawyer on your side right away. Without a lawyer, you may never receive the pay that is due to you and your children. On the other hand you may be paying more than what you have to pay according to the law. Whether you are the payer of child support or the recipient, you need a Houston lawyer who understands the law and will help their clients to navigate it.

If you are in the middle of a divorce and need to figure out what child support in Houston will be, it is time to get a good lawyer. Even if you are not married, you may still have to pay child support to any children that you are the biological parent to. In either case, having an experienced lawyer on your side is going to be the key to taking care of the children according to the law. Child support is money paid to benefit a child’s life. This is very important and therefore it is mandated by Texas law.

If you have children and want to protect them by either paying or receiving child support in Houston, know what you are entitled to. You will know what to expect according to the law when you consult with a lawyer who knows family law in Texas. They will go to work for their client to ensure that the children are taken care of and protected.

There are many laws and calculations that need to be figured into the child support calculator before any money can be paid or received. These could include but are not limited to stuff like social security benefits, health insurance, or earned income of each parent.

No matter what the case, it is important to get a lawyer’s help. There are too many variables and numbers to calculate for the average person to figure out on their own. For the benefit of all parties involved, schedule a consultation with a Houston lawyer that specializes in Houston child support laws. Doing so will be in the best interest of both parties and especially the children.

lawyer houston

Knowing Your Rights

Texas debt collection laws are not always easy to interpret. Hiring an experienced attorney is the key to understanding what your rights are and what the law says. Debt collection is legal in Texas however the way that debt collection agencies make contact with debtors is limited. If you know that your debt has been handed over to an agency and you fear the worst, contact an attorney to find out what your rights are. No two cases are identical so it is helpful to know what your legal rights are.

If you live in Texas, you should know that it is legal for debt collection agencies to contact you. They are permitted by law to make phone calls, send letters, and even call your family and friends. However, what they are not permitted to do is to harass, threaten, or otherwise harm you. Also they may not attempt to get family members to pay for your debt. In addition, they may call you at your place of employment but you can ask your boss to tell them not to call you at work. Finally, a debt collector may not threaten to put you in jail if you don’t pay.

A great way to get the collector to stop calling you is to write them a letter telling them to stop calling. Another way to stop the calls, emails, and junk mail, is to negotiate the repayment terms. It might just require you answering the phone and working out an agreement that you can live with. The debt collector wants to get the money, if you don’t have it, you can try to make smaller payments until it is paid off. Answering the calls may be just what it takes to get them to stop.

Texas debt collection laws are there to protect the debtor and the debt collectors. An experienced attorney can help with the interpretation of those laws. It is very important that if you owe money, you pay it. If you get the collector to stop calling, remember that you still owe the money. Figure out a way to get your debts paid off, don’t accumulate anymore, and those pesky phone calls and emails will eventually stop coming.

divorce lawyer

Keeping Costs Down

There is no such thing as a cheap divorce in the city of Houston, but if there were a way to cut costs it would be with the help of a great lawyer. A divorce lawyer in Houston will know how to get through the required steps quickly and efficiently. The easier it is; the lesser money it will cost. If you are looking at getting a cheap divorce in Houston, hire the best lawyer for the job.

It is important to have a lawyer on your side if you are going through a divorce in Houston. There are many steps that have to be taken and lots of paperwork that has to be filed. If you are looking for a cheap divorce, then come prepared to have an agreement with the other party. The more negotiating there is, the costlier the divorce will be.

In addition, if there are children involved, this also will require more paperwork. There are Texas laws that help to protect children and dictate child support. These issues could also drag a divorce out a bit longer than what is desired, another reason to have a great lawyer on your side.

Even if you are low on money and believe that the other spouse would never harm you, you must hire a great lawyer.

The lawyer is your advocate and will work to see that the law is followed and that your rights are protected. They will help you to settle the estate, divide the assets and the debts, and also determine if you need to pay or receive spousal support. These are all important parts of a divorce settlement and an experienced Houston divorce lawyer will know how to deal with each and every detail. You can trust them to maintain your best interest and to represent you both in and out of the courtroom.

Getting a cheap divorce in Houston is never easy but there are ways to make the ordeal move along faster than expected. Hiring a great lawyer is the key to keeping the cost of a divorce down. They will work quickly and efficiently to see that you and your rights are protected during the whole process. You can place your trust in your lawyer to get the job done.


Legal Solution for Overwhelming Debt

Debt is something that can accumulate very quickly or over time depending on the given circumstances and it is very easy to get to a point where it becomes overwhelming and more than an individual can handle on their own. This can happen due to a death in the family with a change of income, sickness, loss of employment or a variety of other issues that affect the financial flow of funds. Minimum payments, interest charges, late fees and penalties will also make it difficult to keep up to date and eventually the payer will fall behind and struggle to catch back up.

Instead of dealing with this on a daily basis it is better to work with a legal professional who is familiar with the various solutions available within the state of Texas. After reviewing your situation they may recommend bankruptcy, working with a debt consolidation program or how to effectively pay off your creditors while ensuring that they are following the legal guidelines. While creditors serve a vital purpose for any business in collecting funds legally owed, they will sometimes go above and beyond the rules and this is where having the representation can help an individual know where those borders are and how to hold the firm accountable.

Debt collection laws are enacted to protect both parties such as limiting who creditors can collect from and when they are required to cease contact. Credit agencies cannot threaten any debtor with an action that they know they will not follow through on and they must respond to all challenges for verification of accuracy. Since the majority of clients are not aware of these laws in the state of Texas the attorney is able to provide the information and what can be done if the rules are violated.

Owing money to someone is a stressful situation but having the right support and understanding of options for Texas Debt Collection Laws can provide some relief so that you can start working your way out of this and back into a clear field. Go online and check out the legal options today and make sure that your attorney is someone with experience and success in this particular field.

houston divorce

Saving Time and Money

Finding cheap divorce lawyers in the city of Houston may not be easy but if you plan ahead, call for a consultation, and make mutual decisions, you may be able to keep the costs down. Sitting down and thinking about the way the break up would happen, will also help. Before meeting with your divorce lawyer, think about things like property division, debts and assets, as well as child custody and child support. Taking these things into consideration will save time because the more time you spend with your lawyer the higher the bill they will send you.

When a husband and wife decide to end their marriage it can be a stressful season. They are going to have to make a lot of decisions that could be very difficult. Having a Houston divorce lawyer is a necessary thing. They work diligently on their client’s behalf to see that the divorce goes as smoothly as possible.

They also do their best to see that their client is treated fairly, that the property is divided according to the law, and that any children involved get protected. A great lawyer will be with their client through the hundreds of pages of paperwork that has to be signed all the way to the final hearing. No one should go to divorce court without a great lawyer representing them.

Even a cheap divorce lawyer in Houston should know the law and use it to benefit their clients. They will help their client get through the divorce process as painlessly as they can. The more that the couple can agree on, the easier the process will be. If a couple decides to argue over every detail, the divorce will not only take longer but it will also cost more. Although divorce is a stressful time in anyone’s life, it doesn’t have to be devastating to either party. A great lawyer will do their best to take the burden off of their clients so that they can begin the process of starting a new chapter in their life. When the client allows the lawyer the space to do his job, the process can be completed as quickly and painlessly as possible.

Zone Of Silence

facebook-cover-4.27.15 Zone Of Silence
I did some work for a Mexican attorney in Richmond, Texas.  He agreed to write up some information on the Zone of Silence for me. My research did not come up with much on the town.  I would speculate that “New Agers” would eventually turn this place into something like Sedona, Arizona.  What would happen if a pyramid was built near the town or in the zone?  The information is skeletal but it is a start for someone who wants to explore the region.


The nearest town to the zone of silence is Ceballos, which is located in  Mapimi county in the state of Durango on geographical coordinates, latitude and longitude -104.129167 26.526111 medium height to 1185 meters above sea level.
In Ceballos lives 3177 persons which 1545 of them are male and 1632 are female 1826 citizens are being over 18 years.
There is a total of 715 homes in Ceballos in which 718 are normal houses or departments 82 homes are ground floor and 34 consist of a single room, in that place is expecting 667 housing plumbing, 681 homes that are connected to the public network and 695 houses have access to electricity.
By the information collected about this place you are interested that shows this place is a little town.
Ceballos is the nearest place of the silence zone to get there has to cross for that little town.
Is expected in a short time the government approve the capital investment for this area, this place can become in an exclusive tourist area.
The infrastructure it is not big, not even in simple services like hospitals, hotels, buildings attorneys so there’s no real states agent.


His famous Cerro de la Bufa or Indian, named resemble the profile of a human face. Their chalky soils exhibit traces of fossilized shells yet. It is also famous hanging bridge of 326 meters. Built many years ago and that helped save a deep ravine and two mountains unite rich metalliferous mining center in Ojuela.


Descending from the Sierra del Rosario to the east and northeast, we entered this region, the lowest in our state; we share with Chihuahua and Coahuila. It is a depression on the Mexican plateau remarkable uniformity. It extends from the Laguna Region to the State of Texas
It is located in the northeast of the Mexican republic, occupying large portions of the states of Durango, Chihuahua and Coahuila.

Leaving Chihuahua toward Durango, to Gomez Palacio, Durango; you get to a town called Ceballos, and then take a dirt road for 80 kms.


It is a desert area surrounded by low mountains, where is located the state minimum height is 1000 m; has high temperature characteristics of the desert areas. Lacks streams
It is a desert region with temperatures ranging between day and night from -7 ° C. to 28 ° C, with irregular rainfall. Its soil varies in its chemical, physical and biological. In the highlands, the soil is sandy, with gravel in the lower and in the depressions is saline and clay. There gypsum dunes.


In general, many people are attracted to this site, the mistaken belief that there is an area within the reserve where there is no sound, even the clocks stop working, which is an area where you can observe UFOs identified (UFOs), which is false or so says my guide.



Michael Busby Jr. is a Divorce, Family Law, & Houston Divorce Lawyer,  who practices in Harris County Texas and the counties that surround Harris County, Texas.

Michael Busby Jr.

2909 Hillcroft Suite 350

Houston, Texas 77057

(713) 974-1151

Visit me on the web at


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