Texas Debt Law PLLC is a consumer protection law firm for Texans facing debt collection lawsuits. We defend people who are sued by credit card companies, debt buyers and collection agencies, banks and other creditors, auto lenders and student loan companies. When a collector crosses the line, we sue it under the federal Fair Debt Collection Practices Act (FDCPA) and the Texas Debt Collection Act.
The firm has two focuses: debt lawsuit defense and FDCPA claims. We represent consumers only. We never represent creditors or collectors against consumers.
Free Case Review(214) 945-0000
Our Story
Attorney Shawn Jaffer founded Texas Debt Law in 2018. He had seen the same pattern again and again: people sued over a credit card or a loan they didn't recognize, a balance padded with fees, or an old account sold several times over. Many of them never answered the lawsuit, because they didn't know they could, and lost by default. Since then the firm has grown steadily, and it now helps people in courts across Texas, from justice courts to district courts, in English and Spanish.
Our Founding Attorney
Shawn Jaffer has handled thousands of debt defense lawsuits. He has also filed approximately one thousand FDCPA and other consumer protection lawsuits in federal and state courts on behalf of consumers, recovering millions of dollars for his clients.
That experience on both sides of collection cases shapes how we work. We know what a plaintiff has to prove to win a debt lawsuit, which documents debt buyers often lack, and how collectors' letters, calls and lawsuits can violate federal and Texas law.
What We Do
- Debt lawsuit defense. We answer the lawsuit, hold the plaintiff to its burden of proof, and work toward a dismissal, a take-nothing judgment or a settlement you can live with. Cases are handled for clear flat fees, with payment plans available.
- FDCPA and consumer protection claims. If a debt collector harasses, threatens or misleads you, we can bring a separate lawsuit against it. Texas Debt Law files FDCPA lawsuits in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. The law can make a collector that broke it pay your damages and your attorney's fees.
- Free tools and guides. Our answer deadline calculator, debt lawsuit Q&A, debt collector directory and Texas complaints report help people understand their rights before they call anyone.
Who Sues Texans for Debt
Our clients are sued by:
- Credit card companies and banks
- Debt buyers and collection agencies, such as the companies in our debt collector guides
- Collection law firms acting for creditors (see our collection law firm guides)
- Auto lenders, after a repossession leaves a deficiency balance
- Private student loan companies
- Personal loan, payday and installment lenders
How We Work
- Statewide, mostly remote. Our office is in Frisco, and most clients work with us by phone, text, email and e-filing, wherever they live in Texas.
- Phones answered seven days a week. Call or text (214) 945-0000. Se habla español.
- Before judgment. We defend debt lawsuits before a judgment is entered. We don't handle post-judgment matters, appeals or business debts.
Results
See recent client results: debt lawsuits that ended in take-nothing judgments, nonsuits and dismissals for want of prosecution, with redacted copies of the court orders.
Past results do not guarantee a similar outcome. Every case depends on its own facts and the law that applies to it. This page is attorney advertising and general information, not legal advice. Texas Debt Law PLLC, 7700 Preston Rd, Ste. 703, Frisco, Texas 75034. Shawn Jaffer, attorney responsible for this content.
General information, not legal advice for your case.