We Fight Back Against Collections and Lawsuits
Are you being sued for a debt in Arlington, Texas? Have you received court papers from a creditor or debt buyer like Midland Credit Management or Portfolio Recovery? Don’t panic—and don’t ignore it.
At Texas Debt Law, we help Arlington residents defend against debt collection lawsuits, protect their rights in court, and avoid default judgments that can damage their financial future. Our attorneys know the tactics used by debt collectors, and we know how to beat them.
Whether you’re being sued for a credit card, personal loan, medical bill, or even a repossessed vehicle, we can help you understand your options, defend your case, and fight for a better outcome.
Free Case Evaluation
(469) 589-5600
Why You’re Being Sued in Arlington
Debt buyers and collectors regularly file lawsuits in Tarrant County and Arlington justice courts to collect unpaid debts. If you’ve fallen behind on payments, your debt may have been sold to a third party like:
- LVNV Funding
- Cavalry SPV I
- Jefferson Capital Systems
- Unifund CCR
- Midland Funding
- Portfolio Recovery Associates
Once they own the account, these companies often hire law firms that file thousands of cases a month—hoping you won’t respond. If you don’t file a proper Answer, they can win by default, even if the debt isn’t valid or provable.
Common reasons for debt lawsuits include:
- Missed credit card payments
- Unpaid medical bills
- Auto loan deficiencies after repossession
- Personal loans or payday loans
- Broken lease agreements
- Old utility or phone bills
Lawsuit in Arlington? Here’s What Happens Next
If you were served with a Citation and Petition in Arlington, you likely have only 14 days to respond by filing an Answer with the court. If you miss that deadline, the creditor can ask the judge for a default judgment—which gives them the power to freeze your bank account, put a lien on your property, or damage your credit.
Do not wait. The clock starts ticking from the date you were served. At Texas Debt Law, we act fast to file the right paperwork, stop default judgments, and get ahead of the lawsuit.
Debt Collection Lawsuits in Arlington Courts
In Arlington, most consumer debt cases are filed in:
Tarrant County Justice of the Peace Courts:
- JP Precinct 2 – Located in Arlington
- JP Precinct 7 – Also serves parts of Arlington
For larger lawsuits (typically over $20,000), debt collectors may file in the County Court at Law or District Courts in Fort Worth.
Each court has its own rules and deadlines. That’s why hiring a local Texas debt defense firm like ours is crucial. We know the procedures, judges, and common plaintiff strategies in Tarrant County.
Legal Defenses We Use to Win
Many debt lawsuits are based on incomplete, inaccurate, or even unlawful information. You may have more legal rights than you think.
Common legal defenses we raise include:
- Lack of standing – Can the plaintiff prove they actually own the debt?
- Statute of limitations – In Texas, most debts are time-barred after 4 years.
- No contract – Is there a signed agreement or terms and conditions?
- Incorrect balance – Is the amount inflated with unauthorized fees?
- Improper service – Did you receive the lawsuit papers the right way?
- Identity theft or mistaken identity – Is the debt even yours?
Even if you believe you owe something, you have the right to demand proof, challenge unfair practices, and negotiate a settlement that works for you.
We Know the Collection Law Firms Operating in Arlington
If you’ve been sued in Arlington, chances are the plaintiff is represented by one of these high-volume debt collection law firms:
- Rausch Sturm
- Zwicker & Associates
- Scott & Associates
- Michael J. Scott, P.C.
- Mandarich Law Group
- Couch, Conville & Blitt
We deal with these firms every day—and we know how to respond, negotiate, and fight back effectively.
How Texas Debt Law Helps Arlington Clients
Texas Debt Law is a consumer-focused debt defense firm, not a national debt settlement company. We represent real people—not corporations—and fight to protect your rights in and out of court.
Our Services Include:
✅ Free Case Review
Send us your lawsuit paperwork, and we’ll tell you exactly what your options are—free of charge.
✅ Flat-Fee Legal Defense
No surprises or hourly rates. We offer transparent, affordable pricing, with payment plans available.
✅ Lawsuit Defense
We file your Answer, attend hearings, negotiate with creditors, and work toward dismissals or favorable settlements.
✅ Judgment Relief
Already lost a case? We may still be able to reopen the judgment, settle it, or protect your assets.
✅ Negotiated Settlements
In many cases, we can settle for far less than what’s claimed—sometimes even before trial.
✅ Stress-Free Representation
Once we’re retained, debt collectors must stop contacting you and go through us.
Our Track Record in Arlington
We’ve successfully resolved debt cases throughout Tarrant County, including:
- Case dismissed for an Arlington resident sued by LVNV Funding for $9,400
- Settled a $12,000 credit card lawsuit for only $2,800
- Judgment vacated due to improper service, saving our client from a bank garnishment
- Filed motion to dismiss when creditor failed to provide chain of title on a purchased debt
These are just a few examples of how we’ve helped ordinary Texans get back on their feet.
Frequently Asked Questions
What should I do if I’m served with a debt lawsuit in Arlington?
Contact a debt defense attorney immediately. You typically have 14 days from the date of service to file your Answer. We can help you do it correctly and on time.
Can a debt collector freeze my bank account?
Yes—after a judgment is entered, they can. Texas prohibits wage garnishment for most debts, but bank levies are legal. That’s why it’s critical to fight the lawsuit before it gets that far.
Is it better to settle or fight the lawsuit?
It depends on the facts of your case. We’ll evaluate whether the creditor has enough proof to win in court. In many cases, a strong defense leads to dismissal or a reduced settlement.
What if I already have a judgment against me?
We may be able to file a motion to vacate the judgment, especially if there was improper service or a meritorious defense. We also help clients settle or discharge judgments where possible.
Why Arlington Residents Trust Texas Debt Law
Arlington is home to families, small business owners, healthcare workers, and students—all of whom can fall behind on debt during tough times. You don’t need to face creditors alone.
Why clients choose us:
- Local experience in Tarrant County courts
- Flat-fee pricing with no surprises
- Fast action to stop judgments and garnishments
- Responsive communication – you won’t get passed around
- Proven track record of dismissals, settlements, and client satisfaction
We treat you like a person, not a case file—and we fight to get the results you deserve.
Let Us Help You Take Back Control
Being sued can be scary—but ignoring it makes things worse. With the right help, you can stop a judgment, defend your rights, and regain financial peace.
Whether your goal is to fight, settle, or dismiss a debt lawsuit, the team at Texas Debt Law is here to help Arlington residents like you.
Flat-Fee Pricing for Debt Lawsuit Defense
| Amount of the Lawsuit | Our Flat Legal Fee |
|---|---|
| Less than $1,000 | $400 |
| $1,001 – $2,500 | $500 |
| $2,501 – $5,000 | $750 |
| $5,001 – $7,500 | $1,000 |
| $7,501 – $10,000 | $1,250 |
| $10,001 – $12,500 | $1,500 |
| $12,501 – $15,000 | $1,750 |
| $15,001 – $20,000 | $2,000 |
| Over $20,000 | Call for Pricing |
Flexible payment plans available. We work with your budget.
Get Help Today – Free Case Review
If you’re facing a debt lawsuit—or already have a judgment against you—contact Texas Debt Law today. We’ll review your case, explain your options, and help you fight back. Don’t wait until it’s too late—take control of your financial future now.