Austin Debt Defense Attorneys Protecting Texans From Creditors, Debt Collectors, and Debt Buyers
If you’ve been sued for a debt in Austin, Texas, don’t panic — and don’t ignore it. Debt lawsuits can quickly spiral into wage garnishments, frozen bank accounts, and long-term credit damage. At Texas Debt Law, our Austin debt collection defense attorneys fight back to protect your rights, your money, and your future. We know how to challenge debt collectors, beat lawsuits, and even uncover violations that could entitle you to compensation.
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(512) 503-2010
Why Am I Being Sued for Debt in Austin?
Debt lawsuits are often filed by:
- Original creditors (like credit card companies or banks)
- Debt buyers (companies that purchase unpaid debt for pennies on the dollar)
- Debt collection agencies
Common reasons for lawsuits include unpaid credit cards, personal loans, medical bills, or auto deficiencies. Many lawsuits are based on old, inaccurate, or incomplete records — and that’s where we come in.
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.
What Happens If I Ignore a Debt Lawsuit?
In Texas, if you don’t respond to a debt lawsuit, the court can enter a default judgment against you. That means the creditor wins automatically, and you could face:
- Wage garnishment (if you work outside Texas)
- Bank account seizures
- Property liens
- Credit report damage
- Aggressive collections
Don’t give the creditor an easy win. Talk to an Austin debt defense attorney before the deadline passes — usually 14 days after being served in Justice Court or 20 days in District Court.
How Texas Debt Law Fights Back
At Texas Debt Law, we’ve defended thousands of Texas consumers in debt lawsuits. Here’s how our Austin debt collection defense attorneys help:
1. Evaluate the Validity of the Debt
We review the lawsuit and analyze:
- Whether the creditor has legal standing to sue
- If the debt is past the statute of limitations (usually 4 years)
- Whether proper notice and documentation were provided
- Any discrepancies in the balance, interest, or fees
If the creditor can’t prove the debt, they may lose the case.
2. File an Answer and Avoid Default
We draft and file a formal response to the lawsuit, known as an “Answer,” asserting your defenses. This alone stops a default judgment and forces the creditor to prove their case.
3. Challenge the Creditor’s Evidence
Most debt buyers have incomplete or inaccurate documentation. We often find:
- Missing or forged contracts
- Incorrect balances or payments
- Lack of assignment proof
- Generic affidavits with no real backup
We use motions and discovery tools to expose these weaknesses and push for dismissal or leverage a strong settlement.
4. Negotiate Settlements on Favorable Terms
If you want to resolve the lawsuit without trial, we can negotiate with the creditor to:
- Settle for a fraction of the balance
- Get the lawsuit dismissed with prejudice
- Secure a payment plan with no interest
- Request credit report updates or deletions
We make sure any deal is in writing and legally enforceable — protecting you from future collection attempts.
5. Assert Counterclaims for Violations
Creditors and collectors often break the law in how they sue, report, or communicate. We investigate for violations of:
- Fair Debt Collection Practices Act (FDCPA)
- Fair Credit Reporting Act (FCRA)
- Texas Debt Collection Act
If they’ve crossed the line, we can file counterclaims or a separate lawsuit to pursue damages on your behalf — turning the tables on them. This requires a separate attorney engagement agreement may not be an option in your case.
Types of Debt Lawsuits We Defend in Austin
Our firm defends Austin residents in lawsuits filed by:
- Credit card companies (e.g., Capital One, Discover, American Express)
- Debt buyers (e.g., Midland Credit Management, Portfolio Recovery Associates, LVNV Funding)
- Medical providers and collection agencies
- Banks and lenders for personal loans or auto loans
No matter who’s suing you, we know their tactics — and we know how to fight back.
Common Mistakes People Make in Debt Lawsuits
We’ve seen many Texans lose their cases because they made costly errors, such as:
- Ignoring the lawsuit – leads to default judgment
- Trying to settle directly with the creditor – without legal advice
- Admitting the debt without understanding their rights
- Using a “do-it-yourself” answer form that waives defenses
- Paying on an old debt that’s past the statute of limitations
You don’t have to go it alone. Our attorneys know how to avoid these pitfalls and give you the strongest defense possible.
What Are My Legal Defenses in a Texas Debt Case?
Our Austin debt defense attorneys may raise the following defenses:
- Statute of limitations has expired
- Plaintiff lacks standing to sue
- Improper service of the lawsuit
- Balance is incorrect or inflated
- Debt was already paid or discharged
- The debt is the result of identity theft or fraud
- You never had a contract with the plaintiff
We’ll customize your defense based on the facts and aggressively pursue dismissal or resolution.
What if I Already Have a Judgment?
Even if the creditor already won a judgment, we may still be able to help. Our team can:
- File a motion to vacate a default judgment (if filed within the right timeframe)
- Help negotiate a reduction or payment plan
- Investigate for FDCPA or FCRA violations
- Stop post-judgment garnishment or bank levy efforts
You have options — even after a judgment.
Why Choose Texas Debt Law?
✅ Experienced in Texas courts
We know the local rules, judges, and debt collection firms operating in Travis County and throughout Texas.
✅ Transparent, Flat Fees
No hidden costs. We offer predictable pricing so you can make decisions with clarity.
✅ Focused on Results
We measure success by dismissals, settlements, and positive outcomes for our clients — not just hours billed.
✅ Consumer-First Approach
We’re not afraid to sue creditors, credit bureaus, or collectors who break the law. You deserve justice, and we’ll fight for it.
Cities Around Austin We Serve
While our office focuses on Austin, we represent clients throughout Central Texas, including:
- Round Rock
- Pflugerville
- Cedar Park
- Georgetown
- San Marcos
- Kyle
- Leander
- Hutto
- Bastrop
- Buda
- Taylor
If you’ve been sued anywhere in or around Austin, our team can help.