Legal Help When You’re Sued for a Debt
If you live in Carrollton, Texas, and have recently been sued by a creditor or debt collector, it’s critical to act fast—and get the right help. At Texas Debt Law, we represent clients throughout Carrollton and Denton, Dallas, and Collin counties who are facing debt collection lawsuits, default judgments, and aggressive collection tactics.
Whether the debt stems from credit cards, personal loans, medical bills, or vehicle repossessions, you have rights under Texas law—and strong legal defenses may be available. We help protect you from unfair lawsuits, stop judgments, and give you a voice in court.
The Reality of Debt Lawsuits in Carrollton
Thousands of debt lawsuits are filed each month across North Texas. Many Carrollton residents are targeted by debt buyers who purchase old, charged-off accounts for pennies on the dollar and then sue consumers in bulk, often with minimal documentation.
These companies include:
- Midland Credit Management
- Portfolio Recovery Associates
- LVNV Funding
- Cavalry SPV I
- Jefferson Capital Systems
- Unifund CCR
They often rely on high-volume law firms such as Rausch Sturm, Scott & Associates, and Mandarich Law to file lawsuits and pressure you into paying.
The good news? These cases are beatable—with the right strategy and legal team.
Don’t Let a Default Judgment Ruin Your Finances
In Texas, if you fail to respond to a lawsuit by the deadline (typically 14 days from the date you’re served), the creditor can win by default. This gives them access to powerful collection tools, including:
- Freezing your bank account
- Placing liens on your non-exempt property
- Reporting judgments to credit bureaus
Even though Texas law protects your wages from garnishment in most consumer debt cases, judgment creditors can still make your life difficult—and affect your credit for years.
We help Carrollton residents avoid default judgments and fight back in court.
Carrollton Courts That Hear Debt Cases
Depending on the amount of the claim and the location of the filer, your debt lawsuit could be filed in a variety of courts, including:
Justice of the Peace Courts:
- JP Precinct 6-2 (Denton County)
- JP Precinct 1 Place 2 (Dallas County)
- JP Precinct 3 (Collin County)
County and District Courts:
- If the amount exceeds $20,000 or the case involves additional claims, it may be heard in County Court at Law or District Court in Denton, Dallas, or Collin County.
Each court has different procedures, deadlines, and judges. Our firm is experienced in all three counties and knows how to tailor a defense that meets local court expectations.
Common Defenses We Use to Challenge Debt Lawsuits
Many debt lawsuits are built on shaky legal ground. In Carrollton cases, we frequently identify issues such as:
📉 Expired Statute of Limitations
Texas has a 4-year deadline to file lawsuits on most debts. Many debt buyers miss it.
📃 Lack of Proof of Ownership
Can the creditor prove they legally bought your account? If not, they can’t collect.
❌ Wrong Amount or Inflated Charges
Debt buyers often tack on fees and interest that aren’t legally owed.
🧾 No Valid Contract
If there’s no signed agreement or terms of service proving the debt, the case may be dismissed.
🧍 Mistaken Identity or Identity Theft
We see many lawsuits filed against the wrong person—or for debts someone else racked up.
If we identify any of these problems—or several combined—we’ll aggressively move to dismiss the case or negotiate a highly favorable resolution.
Our Services – What We Do for Carrollton Clients
At Texas Debt Law, we aren’t a call center or out-of-state firm. We are Texas-based consumer protection attorneys with experience defending hundreds of debt lawsuits every year. Here’s how we help:
🛡️ Lawsuit Defense
We’ll prepare and file your Answer, represent you in court, and challenge the creditor’s evidence. No court experience? No problem—we guide you through every step.
💰 Settlement Negotiation
If dismissal isn’t likely, we negotiate settlements on your behalf—often saving clients 50–90% off the balance owed.
🔄 Default Judgment Relief
Already lost your case? We may be able to vacate the judgment and get you back into court to fight.
📞 End Collector Harassment
Once we’re retained, collectors must stop contacting you directly. We handle all communication and negotiations.
📋 Flat Fees with No Surprises
We offer transparent, flat-fee pricing—no hidden costs, and no percentages taken from your savings.
Real Carrollton Case Results
Here are just a few examples of how we’ve helped people in situations just like yours:
- $10,700 lawsuit dismissed due to lack of chain of title documentation (Denton County)
- Settled a $13,000 debt for $2,500 with monthly payments (Dallas County)
- Judgment vacated after improper service and case dismissed (Collin County)
- Warrant recalled and bank account unfrozen after emergency legal intervention
You don’t have to go it alone. We’ve helped countless Carrollton residents—let us help you too.
Your Time to Respond Is Limited
If you’ve been sued, your deadline to respond is likely just 14 days after service. If you wait, you risk losing automatically.
Here’s what to do now:
- Don’t call the creditor or collection attorney directly
- Don’t agree to pay anything or admit to the debt
- Contact Texas Debt Law for a free case evaluation
- Let us review your documents and recommend the best next steps
We respond quickly—usually the same day—and get your case moving in the right direction immediately.
Common Questions from Carrollton Clients
Can I really win or get the lawsuit dismissed?
Yes. If the creditor lacks documentation or filed after the statute of limitations, we can seek dismissal or favorable settlement.
Do I have to go to court?
In many JP courts, we can appear on your behalf. If you do need to attend, we’ll prepare you fully and stand beside you.
Is bankruptcy better?
Bankruptcy is a last resort. Most debt cases can be resolved for far less—without ruining your credit for years.
What if I already paid part of the debt?
Even partial payments can reset the clock. Let us evaluate whether the case can still be challenged.
Why Carrollton Trusts Texas Debt Law
We’re not a debt relief scam or national firm that subcontracts your case. We’re Texas attorneys with a local focus and a real understanding of Carrollton courts and collectors.
Clients choose us because we offer:
- ✅ Flat-fee pricing
- ✅ Same-day filings and responses
- ✅ Experience with all major debt buyers
- ✅ Dismissals, settlements, and judgment relief
- ✅ Respectful, non-judgmental service
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.