Texas Nurses

11/10/2025

Nurses and APRN Facing Crushing Debt and Debt Collector Lawsuits. You Can Do Something About It. Our Nurse Practitioner-Attorney Firm Can Help

By Joe Flores,
JD, MSN, APRN, FNP-BC

I have represented creditors and debtors for over 15 years. When dealing with credit restoration and debt collection lawsuits in Texas, it’s important to understand both your rights and the legal processes involved. Nurses Are Particularly Vulnerable To Receive Easy Credit. Here’s an overview:

Credit Restoration
- Credit Repair Organizations Act (CROA): This federal law regulates credit repair services. It requires companies to provide a written contract and prohibits misleading practices.

- Disputing Errors: You have the right to dispute inaccuracies on your credit reports. You can contact the credit bureaus directly to initiate this process.

- Credit Counseling: Consider seeking help from non-profit credit counseling services that can provide guidance on managing debt and improving your credit score.

Debt Collection Lawsuits

- Texas Debt Collection Laws: Texas has specific laws that protect consumers from abusive debt collection practices. Collectors cannot harass, threaten, or deceive you. They cannot call you at work, threaten imprisonment, or terrorize your family and children.

- Suing for Debt: If a creditor files a lawsuit against you for unpaid debts, you should:
- Respond: File a written response to the court within the specified time frame (usually 14-21 days).

- Gather Evidence: Collect any documentation that supports your case, such as payment records or communication with the creditor.

- Consider Legal Representation: It can be beneficial to seek help from a lawyer who specializes in consumer rights or debt collection defense.

Important Considerations
- Statute of Limitations: In Texas, the statute of limitations for most debts is four years. After this period, creditors may not legally pursue collection.
- Bankruptcy: If you are overwhelmed by debt, bankruptcy may be an option to consider, which can provide a fresh start.

Recommendations
- Consult a Professional: For personalized advice, it’s crucial to consult with a licensed attorney who specializes in credit and debt collection laws in Texas. They can provide guidance tailored to your specific situation.

Summary: Nurses face unique challenges . Most of our tribe does not take financial courses nor do they have the time to monitor their credit score. Now, more and more, credit scores matter, they can can be used against you for employment , access to credit to launch your own business. Let our nurse practitioner and attorney lawyer help you.

Follow-Up
If you have any specific questions or need more details on a particular aspect, feel free to call 361-887-8670 or [email protected]. There are many credit and debt restoration services but infinitesimally few have licensed state and federal lawyers on standby.

11/10/2025

https://youtu.be/ELt3tozrpjI?si=bCChPMjUlCDiBAPF

Attorney Joe Flores talks about how he does what he does.

11/04/2025

Attention and : Create your own business. 15 years experience creating telemedicine businesses for an affordable price. We will show you how.
Joe Flores JD APRN FNP-BC
3618878670
[email protected]

10/31/2025

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10/20/2025

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10/07/2025

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09/28/2025

Here, here.

Last night, at the 77th Primetime Emmy Awards, actor Noah Wyle won his first-ever Emmy for Outstanding Lead Actor in a Drama Series for his role as Dr. Michael “Robby” Robinavitch in The Pitt.

Wyle beat out other nominees including Sterling K. Brown (Paradise), Gary Oldman (Slow Horses), Pedro Pascal (The Last of Us), and Adam Scott (Severance) for the award.

Wyle walked the red carpet in a custom tuxedo designed by FIGS, the popular scrubs brand loved by nurses nationwide.

(..continued below)

09/20/2025

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Top Interventions You Can Do If Accused of Health Fraud

Joe Flores JD APRN MSN CCRN-K LNC

Federal and TX Attorney and FNP-BC
National and Global Speaker

If a nurse practitioner (NP) is facing an investigation for health fraud, it's crucial to approach the situation with care and diligence. Here are ten steps that can be taken:

1. Consult Legal Counsel: Engage an attorney with experience in healthcare law and fraud investigations to understand rights and options. Providing Statements without council can cost you not only fines but can lead to criminal charges for lying to a federal agent.

2. Gather Documentation: Collect all relevant documentation, including patient records, billing statements, and communications that may pertain to the investigation. Your laptop, devices and hard files may be seized and held for a prolonged period of time. Back up all data and be ready to continue delivering care if allowed.

3. Understand the Allegations: Clarify the specific allegations being made to prepare an appropriate response. Denial or anger at being “targeted” solves nothing. Make sure you have competent council and an accountant plus a biller with a reputable character before starting a business and do not partner with anyone you have not performed strict due diligence on and certainly never partner with someone who has less to lose than you do. Too many NP’s think theyvneed a partner o or mentor controlling your business. Far too many nurse practitioners have been prosecuted because of third parties that were unnecessary or dangerous.

4. Review Policies and Procedures: Ensure compliance with healthcare regulations and internal policies to identify any potential areas of concern.

5. Cooperate with Investigators: While maintaining legal counsel, cooperate with the investigation to demonstrate transparency. Never debrief or give context to documentation without your lawyer by your side. Far too many NP’s
are under the belief they do not need a lawyer to their detriment. Simple audits and brief 1-2 hour consults protect you from contractual , employment law and state and federal law mistakes. Seek a Non Prosecutorial Agreement ( NPA) or a lawyer who can provide a reasonable and truthful explanation for certain documentation or actions by you or employees under your control.


6. Avoid Public Statements: Refrain from making public comments or discussing the case on social media to prevent further complications. Do not talk to anyone without your attorney’s monitoring of such activity. Anyone including a spouse or significant other can be a fact witness against you.

7. Prepare for Possible Outcomes: Consider potential consequences, including administrative actions, civil penalties, or criminal charges, and prepare accordingly. Too many NP’s live under the impression prosecution cannot happen to them. Lawyer up.

8. Seek Support: Connect with professional organizations for guidance and support during the investigation process without sharing your particular situation. Many NP articles and posts share their experience but read and listen not contribute to avoid any inadvertent admissions.

9. Maintain Professionalism: Continue to uphold professional standards and ethics in practice, regardless of the ongoing investigation. Whether the Board of Nursing, Medicare and Medicaid or other agencies or any agency has you under investigation you must ensure that the “show goes on”. Many investigations are resolved relatively quickly or a compromise may be reached. Cooler heads prevail.

10. Plan for Future Prevention: After resolving the investigation, implement changes to prevent future issues, such as additional training or policy revisions. Learn from the experience and be prepared. Too many NP’s enter into business without an accountant and legal counsel to protect them financially and legally.

Taking these steps can help navigate the complexities of a health fraud investigation while protecting the NP's rights and career.

Joe is a national speaker on issues where law and healthcare overlap. He has experience in civil, criminal defense, administrative and federal law matters for nearly 25 years.

Contact Info

[email protected] or 361-887-8670.

09/20/2025

Top Interventions You Can Do If Accused of Health Fraud

Joe Flores JD APRN MSN CCRN-K LNC

Federal and TX Attorney and FNP-BC
National and Global Speaker

If a nurse practitioner (NP) is facing an investigation for health fraud, it's crucial to approach the situation with care and diligence. Here are ten steps that can be taken:

1. Consult Legal Counsel: Engage an attorney with experience in healthcare law and fraud investigations to understand rights and options. Providing Statements without council can cost you not only fines but can lead to criminal charges for lying to a federal agent.

2. Gather Documentation: Collect all relevant documentation, including patient records, billing statements, and communications that may pertain to the investigation. Your laptop, devices and hard files may be seized and held for a prolonged period of time. Back up all data and be ready to continue delivering care if allowed.

3. Understand the Allegations: Clarify the specific allegations being made to prepare an appropriate response. Denial or anger at being “targeted” solves nothing. Make sure you have competent council and an accountant plus a biller with a reputable character before starting a business and do not partner with anyone you have not performed strict due diligence on and certainly never partner with someone who has less to lose than you do. Too many NP’s think theyvneed a partner o or mentor controlling your business. Far too many nurse practitioners have been prosecuted because of third parties that were unnecessary or dangerous.

4. Review Policies and Procedures: Ensure compliance with healthcare regulations and internal policies to identify any potential areas of concern.

5. Cooperate with Investigators: While maintaining legal counsel, cooperate with the investigation to demonstrate transparency. Never debrief or give context to documentation without your lawyer by your side. Far too many NP’s
are under the belief they do not need a lawyer to their detriment. Simple audits and brief 1-2 hour consults protect you from contractual , employment law and state and federal law mistakes. Seek a Non Prosecutorial Agreement ( NPA) or a lawyer who can provide a reasonable and truthful explanation for certain documentation or actions by you or employees under your control.


6. Avoid Public Statements: Refrain from making public comments or discussing the case on social media to prevent further complications. Do not talk to anyone without your attorney’s monitoring of such activity. Anyone including a spouse or significant other can be a fact witness against you.

7. Prepare for Possible Outcomes: Consider potential consequences, including administrative actions, civil penalties, or criminal charges, and prepare accordingly. Too many NP’s live under the impression prosecution cannot happen to them. Lawyer up.

8. Seek Support: Connect with professional organizations for guidance and support during the investigation process without sharing your particular situation. Many NP articles and posts share their experience but read and listen not contribute to avoid any inadvertent admissions.

9. Maintain Professionalism: Continue to uphold professional standards and ethics in practice, regardless of the ongoing investigation. Whether the Board of Nursing, Medicare and Medicaid or other agencies or any agency has you under investigation you must ensure that the “show goes on”. Many investigations are resolved relatively quickly or a compromise may be reached. Cooler heads prevail.

10. Plan for Future Prevention: After resolving the investigation, implement changes to prevent future issues, such as additional training or policy revisions. Learn from the experience and be prepared. Too many NP’s enter into business without an accountant and legal counsel to protect them financially and legally.

Taking these steps can help navigate the complexities of a health fraud investigation while protecting the NP's rights and career.

Joe is a national speaker on issues where law and healthcare overlap. He has experience in civil, criminal defense, administrative and federal law matters for nearly 25 years.

Contact Info

[email protected] or 361-887-8670.

09/13/2025

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09/13/2025

Call 24/hrs a day for nursing problems, employment problems, legal troubles and reports to the board.

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