Panhandle, TX Personal Injury Law Firms & Lawyers

First, file a report with the police if you have not already done so. Then, file a no-fault claim with your insurance company. It doesn't matter that it was the other driver's fault; that's why they call it "no-fault". Notify your insurance company, get a claim number and a benefits application, fill it out right away and send it in. You may not be able to answer every question, such as "amount of medical expenses" if you haven't had any yet, just do the best you can and send it in immediately. Then, get the medical treatment you need. As long as the doctor signs that the treatment is medically necessary and related to the accident, you are covered. You can only recover financially from an injury if you have what is considered a "serious injury" as that term is defined by law. This includes death, miscarriage, fractures, a total disability that lasts 90 days or a permanent partial disability. The injury must be confirmed by objective medical proof such as an x-ray, MRI, CT scan or nerve conduction study.

If you are Pro Se you should attend any and all hearings on your case so that you understand what the situation is and where you currently stand with the lawsuit. As far as working out a payment plan I do not believe that there is a requirement that either the original creditor or the debt collector work out a payment plan. As far as the MSJ, you can attend the hearing and argue that they do not have enough evidence for a summary judgment and the matter needs to go to trial. However, this would depend on how the questions to the discovery were answered. I would suggest consulting an attorney so that they can possibly object to the summary judgment evidence and push the issue to trial. They can seize any assets that are not protected by Texas law. The 401K should be protected but they can file a writ of garnishment against your bank and seize any money in your bank account. If you have substantial debts and not a lot of assets you should consult with an attorney about possibly filing a Chapter 7 or Chapter 13 bankruptcy.

It is very doubtful you could to the dealer, additionally you have no damages. Used cars are generally sold as is and it is up to you to be sure that their various features, including airbags, are operational